Which cities in China support off-site loans?
Which cities in the province can get loans?
Which cities can borrow money across provinces?
Provident fund loans in seven local cities
Six wayward cities with provident fund loans
Seven stable cities with provident fund loans
Thirteen major cities with provident fund loans
Knowledge tip: provident fund loans have many benefits, why are they left out?
1, real estate developer qualification
Some properties cannot use provident fund loans because of their qualifications. Whether the real estate can use the housing provident fund loan depends on whether the developer's qualifications are complete and whether it has signed an agreement with the municipal provident fund management department to apply for cooperation. If there are many irregularities in real estate enterprises, it will naturally affect relevant links, and provident fund loans are among them.
2. The process of signing the cooperation agreement between the new house and the provident fund center is complicated.
If the five certificates of real estate are complete and legal, will they be included in the provident fund loan project? Many people think that the answer should be yes, but this is not the case. After going through many procedures, developers need to prepare some materials to declare to the provident fund management department if they want to enjoy provident fund loans for their commercial housing projects. Then, after the project is accepted, reviewed, investigated, certified, reported and approved, the management center (sub-center, management department) can sign an agreement with the development unit and the entrusted bank, and the relevant information of the project will be entered into the provident fund loan information system of the management center on the same day after approval.
3. Housing provident fund loans are slow to withdraw funds.
Developers want to realize sales as soon as possible in order to withdraw funds, but the approval time of provident fund loans is long, the procedures are relatively complicated, and the withdrawal of funds is relatively slow. Developers prefer to pay the full amount or use commercial loans.
Housing provident fund loans are policy loans. In operation, the provident fund management center is very strict in risk control. The process includes a series of standardized procedures such as house mortgage and publicity, and the processing time is relatively long. For developers, time is money. Without laws and regulations, no one is willing to pay a higher cost.
The market situation is relatively good, and banks and developers are mutually beneficial.
Refuse provident fund loans, developers do not worry about the house can not be sold. Real estate development and transactions need a lot of money. An important condition for many banks to agree to lend is to let developers help banks win mortgage customers, and salespeople also have "task indicators". Because of "pressure" and "motivation", developers, real estate agents and salespeople are actively promoting commercial loans to property buyers. As a result, some developers and real estate agents have adopted different preferential ways for commercial loans and provident fund loans, prompting buyers to give up provident fund loans.
(The above answers were published on 2016-01-14. Please refer to the actual situation for the current purchase policy. )
Click to receive the red envelope for viewing the house, and directly receive 100 yuan in cash.