Provident fund is a special fund provided by the state for housing. The loan interest rate with this fund is low, so more and more people like to use the provident fund to buy a house. So how long can Wuhan provident fund borrow money to buy a house? Today, Bian Xiao will answer your questions. Friends who want to know may wish to have a look with Bian Xiao!
1. How long can Wuhan Provident Fund borrow to buy a house?
You can apply for a loan to buy a house after paying Wuhan provident fund for six months. The lender shall have a legal identity card and be a person with full capacity for civil conduct, and the lender and its spouse shall have good personal credit.
2. What is the process of purchasing new houses with provident fund loans?
1, loan consultation
First consult the provident fund management department about the loan, fill in the corresponding forms as required, and provide the following materials:
(1) Original and photocopy of ID card and household registration book of the lender and spouse;
(2) Proof of the marital status of the lender;
(3) Housing record contract and down payment receipt provided by the local real estate department;
(4) Certification materials required by other lending banks.
2, loan acceptance, bank trial
(1) The lending bank will interview the lender himself and review the materials provided.
(2) Inquire about the credit reports of the lender and spouse, and review them.
⑶ The bank will make a pre-loan trial for eligible lenders, and negotiate with the lenders on the interest rate, amount, term and repayment method of specific loans according to the trial results and repayment ability.
(4) The bank will conduct a preliminary examination of the lender in the provident fund system. If it fails, it will notify the lender and explain the specific reasons.
Step 3 sign a contract
After the loan is approved in the first instance, the bank will sign a mortgage contract with the lender and fill in the mortgage registration information of the real estate as required.
4. Mortgage registration and bank review.
5. Finally, the management center conducts the final review and issues the loan amount.
Bian Xiao concluded: The above is how long it takes Bian Xiao to share the Wuhan provident fund loan to buy a house and the process of purchasing a new house with the provident fund loan. I believe that everyone will have a corresponding understanding after reading the above sharing. For more information, please keep an eye on Qijia. com。
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