1. When applying for provident fund loan, the borrower shall submit the loan application to the provident fund management core as required, and provide the information required for the loan.
2. Probe into the core of provident fund loan. After accepting the borrower's application, the provident fund management core will review the borrower's qualification, loan amount, loan term, loan information and other information, and give opinions.
3. Credit investigation of provident fund loans. After the preliminary examination of the core of provident fund management, the undertaking bank of provident fund loan will conduct a pre-loan credit investigation on the borrower. After the investigation is completed, the lending bank puts forward opinions, and fills in the "Examination and Approval Form for Individual Housing Provident Fund Loans and Portfolio Loans" and sends it to relevant personnel for approval.
4. After signing the provident fund loan contract, the borrower will receive a notice from the loan undertaking bank if it is approved. At this time, the borrower only needs to bring the ID card, household registration book, bank account number and other materials according to the specified time, and sign the loan contract at the undertaking bank.
5. After completing the home insurance and mortgage registration procedures and signing the loan contract, the borrower shall go through the insurance and mortgage registration procedures according to the regulations, and the expenses arising therefrom shall be borne by the borrower.
6. Waiting for the transfer of provident fund loans. After confirming that the mortgage registration has been completed and the loan contract comes into effect, the loan undertaking bank will transfer the loan to the account designated by the borrower and the seller on the date agreed in the contract and send the loan receipt to the borrower.
What should I pay attention to when buying a house with housing provident fund?
1, the provident fund cannot be directly used as the down payment for buying a house. Many people think that provident fund can be used as a down payment for buying a house, but this is not the case.
Generally speaking, the provident fund is used first and then withdrawn. In other words, if you want to buy a house with a provident fund loan, you must pay a down payment first, and then take your ID card, household registration book and other supporting materials to the local housing provident fund management core to withdraw the balance of the provident fund.
2. The total withdrawal from the provident fund cannot exceed the total house payment. Some people have paid a lot of housing provident fund, and there may be 500 thousand in the account, but his total purchase price is 300 thousand. He thought that he could withdraw all the balance of the provident fund and leave 200 thousand after paying the house price, but this is not the case.
The total withdrawal of housing provident fund cannot exceed the total purchase price. Even if you have 500 thousand in your provident fund account, as long as the amount of the house you buy is less than 500 thousand, you can't withdraw it in full.
3. You can buy a house with the provident fund after paying off the provident fund loan. If you have applied for provident fund loans, there will be corresponding records in the core system of provident fund. As long as your loan is not paid off, you or your spouse can't apply for a provident fund loan again.
However, if the previous loan has been settled, you can apply for a provident fund loan to buy a house again, which is not restricted by the second suite policy.