The general process mainly includes: buyer qualification examination/seller house verification, online signing, evaluation, preliminary examination/face-to-face signing, bank loan approval, loan contract signing, tax payment/transfer, and bank loan.

1. The borrower consults at the housing provident fund center and receives the application form:?

By the buyers and sellers of houses and their spouses (unmarried or divorced, certificates should be issued), in the name of the seller, two original certificates of "Property Ownership Certificate" and "State-owned Land Use Certificate", as well as the original household registration book, identity card and marriage certificate, they will go to the city housing provident fund center for pre-registration and receive an application form for provident fund loans.

Two. The Borrower submits the following loan information to the Municipal Provident Fund Center:

(1) provident fund loan application form;

(2) proof of deposit of provident fund (or household registration book of housing provident fund) and proof of economic income;

(3) the evaluation report of the purchased house;

(4) The stock house sales contract signed by the buyer and the seller;

(5) Real estate license and state-owned land use certificate in the name of the original seller (original and photocopy);

(6) ID card, household registration book and marriage certificate of both husband and wife (original and photocopy, single employee shall provide single certificate);

Three, the housing provident fund center for approval:

Fourth, the transaction transfer.

Verb (abbreviation for verb) sign a contract

What is the second-hand housing loan process in Changsha? What are the application conditions?

Changsha second-hand housing transfer transaction process:

1, sign a second-hand house sales contract, pay the down payment for the house purchase, and then sign a mortgage contract if both parties have time, that is, apply for a loan like a bank. Transfer the provident fund with the purchase contract.

2. If the landlord's certificate is in the bank, then both parties need to negotiate who will decompress and collect evidence. This situation is generally by the buyer. In fact, it's nothing, as long as the seller gives you a receipt when you pay. Anyway, you have to pay a down payment for the transfer.

3. Then, wait for the landlord to take out the real estate license from the bank, check it with the bank and approve it. After the bank has passed the examination and approval, that is, after agreeing to your loan, the buyers and sellers and the intermediary will go to the Housing Fair to transfer the ownership. At the same time, pay the seller a deposit.

The loan materials required to apply for a loan are:

1, valid identification materials (such as ID card, household registration book, marriage certificate, etc.). );

2. proof of income (such as bank running water and tax payment certificate);

3. Housing sales contract signed by the borrower and the seller;

4. Other supporting documents required by the bank.

Precautions:

1. Is the unit house infringing?

There are general units of employee housing, but also standard price of employee housing. The nature of the two plots of land is allocated, and the land use fee should be paid when transferring.

Furthermore, for the standard-priced housing, the general unit enjoys part of the property rights, and the unit enjoys the preemptive right when the employees transfer their ownership. If the buyer does not pay attention to these, it may infringe upon the legitimate rights and interests of the unit together with the owner.

2. Is the property management fee in arrears?

Some owners have long been in arrears in property management fees, electricity fees and gas (natural gas, heating and gas) fees when they transfer their ownership, and have already owed a lot of fees. The buyer bought the house without knowing it, and the buyer may have to bear all the expenses.

3. Is the intermediary company illegal?

Some intermediary companies provide intermediary services in violation of regulations, such as providing zero down payment service for buyers when lending second-hand houses, that is, all the money paid by buyers can be defrauded from banks.

Buyers think they have taken advantage. I don't know if the bank finds out, all the responsibilities may be borne by him.

4. Is the contract clear?

Although the second-hand housing sales contract does not need to be as comprehensive as the commercial housing sales contract, some details should be clearly defined.

For example, the subject of contract, rights protection, house price, transaction mode, liability for breach of contract, settlement, signing date and so on should be fully considered.

5. Is the property right of the house clear?

Some houses have multiple owners, such as heirs, families and couples. To this end, the buyer should sign a house sales contract with all owners.

If only some * * * people dispose of the property owned by * * without authorization, the sales contract signed by the buyer with other * * * people is generally invalid.