1. Purchase process with provident fund loan: (1) Preliminary review: The housing fund management center will conduct preliminary review on the materials submitted by the applicant, including the applicant's qualification, loan amount and loan term. After the preliminary examination is passed, the center will issue a notice of collateral examination and evaluation.
(2) Appraisal: The applicant will go to the appraisal institution designated by the Center to appraise the value of the purchased house with the notice of mortgage examination and appraisal. Affordable housing does not need to be evaluated.
(3) Audit: The applicant will go to the center for loan audit with the evaluation report issued by the evaluation agency and the preliminary examination materials required by the center. In line with the conditions, the center will issue the Notice of Investigation on Entrusted Loans Guaranteed by Beijing Housing Provident Fund Management Center.
(4) Handling guarantee procedures: The applicant holds the Notice of Investigation on Entrusted Loan Guarantee issued by Beijing Housing Provident Fund Management Center, and handles guarantee procedures according to the guarantee method he chooses. If mortgage+guarantee is selected, the guarantor shall issue a written guarantee; If you choose mortgage+insurance or third-party guarantee, you should apply for insurance in an insurance company or go through the formalities of entrusted guarantee in a guarantee institution.
(5) sign a loan contract. The property right there depends on your own specific requirements, rather than the distance from your work unit and the surrounding living conditions.
Application conditions: the prerequisite for housing provident fund loans is that individual urban workers and their units must pay housing provident fund continuously for one year.
Urban workers shall submit the following materials when applying for individual housing provident fund loans:
1. Personal data: 4 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);
Four copies of the borrower's marriage certificate (single certificate, marriage certificate, divorce certificate or divorce judgment, and the widow must provide the death certificate of the other party);
4 copies of valid vouchers for payment of house purchase price;
4 copies of the income certificate of the borrower and spouse;
4 originals of legal house purchase contract;
The seal of the borrower and his spouse;
In addition, the borrower's housing provident fund deposit certificate must be provided.
Please be sure to bring the originals and corresponding copies of these materials.
2, housing construction audit data:
Commercial housing pre-sale permit or housing reform approval;
Construction project planning permit;
Building construction permits;
Construction land planning permit;
State-owned land use certificate;
View floor plan and floor plan.
Buyers who meet the housing provident fund loan conditions can apply for provident fund loans at entrusted banks and handling outlets, or they can apply for provident fund loans at the nearest provident fund management center or sub-center and management department.
First of all, we should ask the developer about the project mortgage bank, and ask whether the "five certificates" of real estate are complete and whether we can provide relevant procedures for ourselves. If developers do not provide "five certificates" to property buyers, it is impossible to apply for provident fund loans.
Process:
1. The housing fund management center signs an entrusted loan agreement with the entrusted bank.
2, the borrower directly to the housing fund management center to apply for a loan, the entrusted industry can collect the borrower's application materials according to the need, unified housing fund management center for approval.
(1) Borrower's identity certificate (referring to resident ID card, household registration book or other valid residence certificate) and proof of marital status;
(2) Proof of the borrower's family property and income;
(3) the legal letter of intent, agreement or other approval documents for the purchase (construction or repair) of the house contract;
(4) List of mortgaged property or assets, proof of ownership and proof that the person who has the right to dispose of it agrees to mortgage or pledge; Certificate of collateral valuation issued by the competent department; Guarantor agrees to provide written guarantee documents and guarantor's credit certificate;
(five) its own funds account for more than 20% of the total price of the purchased (built) houses, and it is guaranteed to be used to pay the down payment of the purchased (built) houses;
(6) self-built housing, should be issued by the planning, construction, planning, land and other relevant departments of the approval documents;
(seven) renovation, overhaul of its own housing, it shall issue a certificate of ownership of its own housing;
(eight) there are assets recognized by the housing fund management center as collateral or pledge, or units or individuals with sufficient compensatory capacity as guarantors;
(nine) other conditions stipulated by the housing provident fund management center.
3. The housing fund management center examines and approves the amount, term and interest rate of each loan, and signs a loan contract with the trustee.
4. According to the entrusted loan contract, the entrusted bank shall go through the loan formalities after signing the mortgage contract of housing provident fund entrusted loan, the pledge contract of housing provident fund entrusted loan and the guarantee contract of housing provident fund entrusted loan with the borrower respectively.
5. The entrusted bank directly transfers the loan to the designated account opened by the seller in the entrusted bank.