When handling loans, many friends will choose provident fund loans, and provident fund mortgage loans are a common way to handle them. The borrower should prepare personal related materials and pay attention to the specific handling process. What materials are needed for provident fund mortgage loan? Provident fund mortgage loan. When handling loans, many friends will choose provident fund loans, and provident fund loans are a common way to handle them. The borrower should prepare personal related materials and pay attention to the specific handling process. So, what materials do you need for provident fund mortgage? Let's first understand the provident fund mortgage loan.

What materials are needed for mortgage of provident fund loans?

Proof of the applicant's and spouse's housing reserve (referring to the valid residence certificate such as resident ID card and household registration book) and proof of marital status; Proof of stable family income and other repayment ability

House purchase contract, collateral, pledge list, ownership certificate and disposal right certificate, collateral evaluation certificate issued by relevant departments (VI) Provident Fund Center requires borrowers, lenders and third-party guarantors to sign tripartite contracts and make down payment. Other information required by the provident fund center.

What is the mortgage process of provident fund?

1. Lenders applying for housing provident fund loans need to submit a written application to the bank, fill in the housing provident fund loan application form and provide real information. Please ask the bank to accept the audit in time and submit it to the provident fund center in time. The provident fund center is responsible for approving loans.

2. The bank shall notify the applicant to go through the loan formalities according to the examination and approval results of the provident fund center, and both husband and wife of the borrower shall sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other formalities to the provident fund center for review.

3 after the approval of the provident fund center, the entrusted loan funds will be allocated and the loans will be paid in full and on time as agreed.

4 mortgage registration procedures shall be handled by the real estate management department where the house is located, and the husband and wife shall sign a mortgage contract or agreement and hand over the securities to the management department or the trade union.

When handling provident fund mortgage loans, the closing process will be more convenient and fast. This is a related introduction about what the mortgage process of provident fund loans is. When handling provident fund mortgage loans, everyone should pay attention to their own economic ability.

Second, the materials needed for the loan.

The borrower's valid identity card and household registration book; Proof of marital status, unmarried people need to provide proof of unmarried, and divorced people need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce); If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate; The borrower's income certificate (salary income certificate or tax payment certificate for half a year in a row); Certificate of real estate ownership; The loan can only be made if there is collateral, and the sum of the loan amount and the interest during the loan period cannot exceed1/2 of the assessed value of collateral; Have a long-term stable income source and proof of income sufficient to pay the monthly loan principal and interest.

At least eighteen years of age, with legal and valid identification and proof of legal residence at the place where the loan bank is located, and has a fixed residence or business premises; Hold the business license issued by the administrative department for industry and commerce and the business license of related industries, engage in legitimate production and business activities, and have stable income and the ability to repay the principal and interest; The borrower has certain self-owned funds for investment projects; The purpose of the loan conforms to the provisions of relevant national laws and bank credit policies, and shall not be used for equity investment; Open a settlement account in this bank, and the operating income will be settled by this bank.

According to Article 11 of the General Rules for Loans of the People's Bank of China, the loan term shall be determined by the borrower and the lender through consultation according to the borrower's production and operation cycle, repayment ability and the lender's capital supply ability, and shall be stipulated in the loan contract. Generally, the term of self-operated loans shall not exceed 65,438+00 years, and those exceeding 65,438+00 years shall be reported to the People's Bank of China for the record. The longest discount period of bill discount shall not exceed 6 months, from the discount date to the maturity date of the bill.

3. What materials are needed for the loan?

Information that an individual needs to provide when applying for a bank loan:

Loan application;

Original and photocopy of ID card, household registration book and marriage certificate of both husband and wife;

Property * * * Someone agrees with the loan opinion;

Occupation, income certificate and family property status information of husband and wife (work certificate, bank account, property right certificate, vehicle driving license, etc.). );

Proof of fixed place (real estate license and water, electricity, gas and other documents in the last three months);

Loan contract.

For personal guarantee, the following information shall be provided:

Original and photocopy of ID card, household registration book and marriage certificate of both husband and wife;

Occupation, income certificate and family property status information of husband and wife (work certificate, bank account, property right certificate, vehicle driving license, etc.). );

Proof of fixed place (real estate license and water, electricity, gas and other documents in the last three months);

Personal bank credit information inquiry system;

Notarization.

4. What materials do I need to apply for a loan?

1, individual housing loan application;

2. Copy of identity documents (resident identity card, residence booklet, military officer's card, passports of overseas and foreign natural persons with the right of abode in Chinese mainland, family visit cards, home visit cards and other residence documents or other identity documents);

3. If the borrower's spouse and * * * apply for a loan, the loan application form should also fill in the relevant information of the spouse, and show the marriage certificate and household registration book. ;

4. Relevant certificates of self-financing of the borrower's purchase (overhaul) of the house;

5. A copy of the title certificate;

6. The borrower's certificate of stable economic income or other proof of solvency issued by the competent department recognized by the handling bank;

7. The written commitment to provide guarantee issued by the guarantor and the credit certificate of the guarantor;

8. The borrower intends to provide pledged bank deposit certificates, voucher-type treasury bonds and other securities to the lending bank;

9, the legal purchase (overhaul) of housing contracts, agreements and related approval documents;

10. List of rights of collateral or pledge, certificate of ownership, certificate of consent to mortgage or pledge issued by the person who has the right to dispose of it, and collateral evaluation report issued by an evaluation agency recognized by the loan bank;

1 1. Other documents and materials specified by the lending bank.