Bian Xiao brought a detailed introduction on how to apply for provident fund loans:
Because the interest rate of provident fund loans is much lower than that of commercial loans, many friends who buy houses will choose provident fund loans when choosing loan methods. So do you know the process of provident fund loan?
As long as the housing accumulation fund refers to the long-term housing savings paid by employees in various organs and enterprises, it has the characteristics of security, mutual assistance and long-term. Housing provident fund loans refer to housing mortgage loans issued when employees pay housing provident fund on schedule and buy personal occupied housing.
The main process of provident fund loans includes:
1. Submit the application
If the borrower wants to apply for a provident fund loan, he needs to apply to the provident fund management center. It is usually necessary to provide personal and spouse identification materials (including ID card, household registration book, marriage certificate, divorce certificate, etc.). ), proof of down payment for house purchase, house purchase contract, proof of deposit of housing provident fund, etc.
2, get the audit notice
After the materials are submitted, the provident fund management center will review the loan application, and after the first trial is passed, it will issue the Notice on Review of Guarantee Application, print the loan contract, mortgage (counter-guarantee) contract and other relevant legal documents, and send all the materials to the guarantee center.
Step 3 agree
The guarantee center will also review the relevant information sent by the provident fund management center. If the borrower meets the guarantee conditions, the guarantee center will issue a guarantee application approval letter to the applicant.
Step 4 pay
After approval, the borrower shall pay the guarantee service fee to the guarantee center with the Guarantee Application Approval Form. The guarantee center issues an invoice for the guarantee service fee, and will affix the official seal of the guarantee center on relevant contract documents, including loan contract, mortgage (counter-guarantee) contract and custody contract.
5, material transfer
The guarantee center will forward the audited personal loan application materials (including the sealed contract) to the housing provident fund management department.
Step 6 sign a contract
Finally, the borrower needs to sign the contract at the housing provident fund management center, and the relevant personnel of the provident fund management center will supervise and guide the loan applicant to sign the loan contract, mortgage (counter-guarantee) contract and other relevant legal documents.
7. Mortgage procedures
The relevant staff and borrowers of the provident fund management center go through the mortgage registration formalities at the real estate registration center, and the bank receives the ownership certificate of the real estate.
The above seven steps are the loan process of provident fund. I believe it is clear to everyone through Bian Xiao's introduction. In fact, if you feel that it is more troublesome to handle these procedures, you can also choose to let the intermediary agencies help you.