Nowadays, people will choose to borrow money from banks when funds are tight, so that the money they get is more secure, and of course they will not be ungrateful. When it comes to loans, everyone knows that they need to mortgage their houses. If you live in a fund-raising house, do you know what materials are needed for a fund-raising house loan?

What materials does the unit fund-raising house need to borrow from the bank?

1, the original and two copies of the Notice of Real Number Allocation and Payment;

2. Original and photocopy of the questionnaire before the housing provident fund loan;

3. Two copies of the original and marriage certificate (or proof of marital status);

4. The original and photocopy of the ID card of the borrower and his spouse;

5. The original and photocopy of the borrower's and spouse's joint card are in duplicate.

What is the loan process from the unit fund-raising house to the bank?

1. The borrower and spouse apply for a loan with the above information to the housing provident fund management department, and submit the spouse's credit report to the designated provident fund bank.

2. Notify the borrower of housing payment, and fill in the Application Form for Housing Provident Fund Loan (principal) for "staging", "credit report" and "previous original and photocopy investigation". After verification, the loan amount and term are determined, and the borrower issues the Letter of Commitment for Employee-occupied Personal Housing Provident Fund Loan and the Letter of Winning Bid for the Loan Folder;

3. The borrower shall exchange the Notice of Loan Acceptance with the Real Estate Bureau for the Notice of Loan Payment Amount and Loan Acceptance Amount, determine the difference, receive the balance of the employees, sign the employee housing agreement with the employees, and issue the Certificate to deliver the housing mortgage loan in advance;

4. The borrower shall go to the designated bank to handle the relevant formalities of housing loan with the Personal Loan Folder of Employee Housing Provident Fund, and the bank shall sign the loan mortgage contract, personal loan payment voucher and entrusted mortgage registration certificate with the employee.

5. The bank will sort out the audited documents, issue a "notice" and hand over the loan information of the entrusted loan to the entrusted bank. The bank loan enters the account designated by the real estate staff, and the borrower transfers the payment voucher to the real estate department with "personal loan" to handle the remaining procedures;

6. Since the second month of loan issuance, the borrower shall repay the loan principal and interest on time every month as stipulated in the loan contract. After the borrower normally repays the loan principal and interest for three months, he can apply to repay the monthly loan principal and interest with the monthly housing provident fund paid by himself and his spouse;

7. After the borrower pays off all the principal and interest of the loan, he shall go through the mortgage registration formalities with the real estate mortgage registration department with the supporting materials issued by the bank.

After reading the above article, we know what materials are needed for the unit to raise funds to build a house loan. When applying, you must prepare these materials first, and then handle the business according to certain procedures. Employees who apply for provident fund loan business and provident fund down payment business should apply for provident fund loan first and then apply for provident fund down payment. Both husband and wife must be present when signing the contract at the bank.