What are the procedures for buying a house with a housing loan in Chongqing? What are the application conditions and loan materials? Xiaobian sorted out the relevant material information to help you do things smoothly.

I. process of provident fund loan

(1) preliminary examination: the housing fund management center will conduct a preliminary examination of the materials submitted by the applicant, including the applicant's qualification, loan amount and loan term. After passing the preliminary examination, the center will issue a Notice of Collateral Review and Evaluation.

(2) Appraisal: The applicant will go to the appraisal institution designated by the Center with the Notice of Collateral Examination and Appraisal to appraise the value of the purchased house. Affordable housing does not need to be evaluated.

(3) review: the applicant goes to the center to review the loan with the Appraisal Report issued by the appraisal institution and the preliminary examination materials required by the center. If it is qualified, the center will issue the Notice of Chongqing Housing Fund Management Center on the Investigation of Guaranteed Entrusted Loans.

(4) Handling guarantee procedures: The applicant holds the Notice of Investigation on Entrusted Loan Guaranteed by Chongqing Housing Fund Management Center and handles the guarantee procedures according to the guarantee method he chooses. If mortgage+guarantee is selected, the guarantor shall issue a written letter of guarantee; If you choose mortgage+insurance or third-party guarantee, you should apply for insurance at an insurance company or go through the formalities of entrusted guarantee at a guarantee institution.

(5) sign a loan contract. Where the real estate is suitable depends on your own specific requirements, such as the distance from your work unit and the living conditions around you.

II. Conditions and materials for applying for provident fund loans

The prerequisite for housing provident fund loans is that individual urban workers and their units must pay housing provident fund continuously for one year. When applying for individual housing provident fund loans, urban workers should submit the following materials.

1. Personal information:

A. Four copies of the identity certificate of the individual (hereinafter referred to as the borrower) applying for the loan and the relevant identity certificate of the spouse (ID card or other valid documents are acceptable)

B. The borrower's marriage certificate (single certificate, marriage certificate, divorce certificate or divorce judgment, The widowed person must provide the other party's death certificate) in four copies

C. Four copies of the valid certificate for paying the house purchase price

D. Four copies of the income certificate of the borrower and the spouse

E. Four copies of the original legal house purchase contract

F. And the seal of the borrower and his spouse

G. The borrower's proof of payment of the housing provident fund must be provided

(Note:) )

2. Housing construction and examination materials:

a. Pre-sale permit of commercial housing or approval of housing reform;

B. construction project planning permit

C. construction project construction permit

D. construction land planning permit

E. state-owned land use permit

F. construction plan and floor plan

Property buyers who meet the housing provident fund loan conditions can apply for provident fund loans at the entrusted banks and handling outlets, or apply to the provident fund management center or sub-centers and management departments nearby.

(The above answer was issued on November 29th, 215, and the current relevant house purchase policy should be based on the actual situation)

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