Measures of Dandong Municipality on the Administration of Individual Housing Provident Fund Loans in Different Places (for Trial Implementation)
I. Objects and conditions for applying for loans from different places
(a) workers who have paid housing provident fund in cities outside the administrative region of Dandong have housing needs in Dandong, and either spouse has Dandong household registration;
(two) workers in the workplace normal, continuous deposit of housing provident fund for more than 6 months (including 6 months);
(three) stable income, good personal credit, and the ability to repay the principal and interest of the loan;
(4) There are no outstanding housing loans or other debts that may affect loan repayment at the time of application;
(5) The purchased house is within the administrative area of Dandong, and the development enterprise has signed a cooperation agreement with the center;
(six) agreed to use the purchased house as collateral.
Second, provide elements.
(1) The ID card, marriage certificate and household register of the borrower's husband and wife, and the single borrower shall provide the marriage status certificate issued by the marriage registration authority;
(two) the "income certificate" issued by the borrower's husband and wife units in duplicate. Proof of income (available at the provident fund center or downloaded from the provident fund website);
(three) the certificate of deposit of housing provident fund in different places, the agreement on the use of housing provident fund in different places, and the details of deposit of housing provident fund in different places (in the last two years);
(four) the purchase of commercial housing needs to provide commercial housing sales contract, full invoice, application for the establishment of pre-purchased commercial housing, power of attorney (provided by the development company);
(five) the purchase of second-hand housing needs to provide a copy of the original "Property Ownership Certificate", the original "Property Ownership Certificate" after the transfer, the sales agreement, the evaluation report and the deed tax invoice;
(6) Other certificates or materials required by the lender.
Third, the operation process
(a) the borrower first to the center service hall window to apply for off-site provident fund loans;
(two) the window teller to review the conditions of the borrower to apply for a loan in different places;
(3) If the loan conditions in different places are met, the window teller will issue the Agreement on the Use of Housing Provident Fund in Different Places and the Certificate of Blank Deposit of Housing Provident Fund in Different Places for the borrower;
(4) The borrower from different places shall go to the housing provident fund management center of the deposit place with the Certificate of Deposit of Housing Provident Fund from Different Places and the Agreement on the Use of Housing Provident Fund from Different Places, and the local center shall fill in the Certificate of Deposit of Housing Provident Fund from Different Places and the Agreement on the Use of Housing Provident Fund from Different Places and seal it for confirmation, so as to print the deposit details of borrowers from different places in recent two years;
(5) Borrowers from different places apply for housing provident fund loans from different places in the service hall or office of Dandong Provident Fund Center with the requirements of Certificate of Housing Provident Fund Deposit in Different Places, Agreement on the Use of Housing Provident Fund in Different Places and Details of Housing Provident Fund Deposit in Different Places. Other loan procedures and conditions are consistent with those of local employees who deposit provident fund.