There are two ways to buy second-hand houses and apply for provident fund personal housing loans:

1. The borrower directly applies for a loan from the municipal capital center.

Its handling process: consultation and registration in the center → submission of application materials → acceptance and approval in the center → transaction transfer between the buyer and the seller → signing a contract with the bank → mortgage registration → loan fund issuance → monthly repayment by the borrower → settlement of the loan → cancellation of the mortgage.

The first step is to consult in the center and get the application form: the buyers and sellers of the house and their spouses (unmarried or divorced, they should issue certificates) pre-register in the city financial center, and get the application form for provident fund loan in the name of the seller with the original house ownership certificate, state-owned land use certificate, household registration book, ID card and marriage certificate.

Step 2: The borrower shall submit the following loan information to the municipal capital center:

(1) provident fund loan application form;

(2) proof of deposit of provident fund (or household registration book of housing provident fund) and proof of economic income;

(3) the evaluation report of the purchased house;

(4) The stock house sales contract signed by the buyer and the seller;

(5) Real estate license and state-owned land use certificate in the name of the original seller (original and photocopy);

(6) Both husband and wife's ID card, household registration book and marriage certificate (original and photocopy, and single employee shall provide single certificate. )

Step 3: Acceptance and approval by the "center": the municipal capital center accepts the information of loan applicants, and determines the loan amount and term after approval.

The fourth step is transaction transfer: the buyer and the seller go to the real estate bureau and the Land and Resources Bureau to handle the transfer procedures of the "two certificates" transaction.

Step 5: Sign the contract: the borrower holds the transferred "two certificates" and deed tax payment invoice (original and photocopy), the municipal capital center issues a loan commitment letter to the designated bank, signs loan documents such as loan contract and mortgage contract, and the seller opens a special deposit account in the loan bank.

Step 6: Mortgage: The borrower goes to the real estate bureau to register the mortgaged house and get the real estate license.

Step 7: Lending: After all the loan procedures are completed, the municipal capital center will directly transfer the loan funds to the deposit account opened by the seller through the bank.

Step 8: Monthly repayment: The borrower repays the loan principal and interest on a monthly basis according to the loan contract until the loan is fully paid off.

Step 9: Settle the loan: When the borrower settles the last loan, I shall personally go to the loan bank and go through the repayment settlement procedures at the counter.

Step 10 Mortgage Cancellation: After the borrower has repaid all the loan principal and interest, he shall go through the mortgage registration cancellation formalities with the original real estate mortgage registration department with the settlement certificate and mortgage cancellation certificate issued by the loan bank, the original house purchase contract or real estate license and personal ID card.

2. The borrower entrusts an intermediary company to handle the formalities.

In the first step, the customer directly consults with the guarantee company or intermediary company and gets the loan application form.

Step 2: The borrower submits a complete set of loan information to the guarantee company or intermediary company, which will send it to the municipal capital center for approval.

Step 3: The municipal capital center will issue a loan commitment letter after examining and approving the loan qualification, amount and term.

Step 4, the guarantee company or intermediary company handles the transfer procedures of real estate license and land certificate for the buyers and sellers of houses, and the loan bank signs a loan and mortgage contract with the borrower, and signs a tripartite agreement with the guarantee company or intermediary company to provide guarantee.

Step 5 After the transfer of the real estate license, the municipal capital center can release the loan funds, and directly transfer the loan funds into the deposit account opened by the seller through bank transfer, and the borrower will repay the loan principal and interest on a monthly basis from the month following the loan contract.

Step 6: The guarantee company or intermediary company handles the mortgage registration formalities for the borrower, and submits the house ownership certificate to the loan bank for safekeeping and filing.

How to use provident fund loans to buy second-hand houses

If you apply for individual housing provident fund loan in China Bank, the application materials for second-hand housing provident fund loan are as follows: 1, valid identity certificate (original); 2, marriage certificate, married workers must provide a marriage certificate (original and copy); 3. Second-hand housing sales contract (original and photocopy); 4. Original property ownership certificate and seller's ID card (copy); 5. Proof of down payment for house purchase (original and photocopy); 6. Repayment account (debit card or passbook of the entrusted bank, original and copy); 7. If the parents * * * are the same as the applicant or * * * are the same as the borrower, the household registration book (original and photocopy) or the certificate of immediate family members issued by the public security department or notary office (original) shall be provided; 8. Entrust the appraisal company's property inquiry form and appraisal report; 9. If the sales contract is signed by an agent, a notarial certificate (original) and an agent's ID card (copy) shall be provided; 10. If there are lease clauses in the sales contract, the lease contract (photocopy), the statement of waiver of purchase right issued by the lessee (original) and the lessee's ID card (photocopy) shall be provided. 1 1. If the seller is a legal person, provide a copy of the ID card of the legal representative and the original certificate of the legal representative; If there is an agent, the original power of attorney of the legal representative and a copy of the licensee's ID card must be provided (the copy must be stamped with the official seal of the company). Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.

The above contents are for your reference. Please refer to the actual business regulations.

How to apply for provident fund loans for second-hand houses

Second-hand housing provident fund loan steps:

Step 1: Get the application form. Step 2: The borrower submits the loan information to the municipal capital center. Step 3: Acceptance and approval. The fourth step: transaction transfer: both buyers and sellers of houses go to the real estate bureau and the Land and Resources Bureau to handle the transfer procedures of the "two certificates" transaction. Step 5: Sign the contract. Step 6: Apply for a mortgage. Step 7: issue loans. According to the relevant laws and regulations of our country, if an employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.

legal ground

"Regulations on the Management of Housing Provident Fund" Article 25 The employee's withdrawal of the storage balance in the housing provident fund account shall be verified by the unit to which he belongs, and a certificate of withdrawal shall be issued. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.

How to apply for a housing provident fund loan when buying a second-hand house?

(1) To apply for a second-hand housing loan, the applicant applies to the bank with the transferred property ownership certificate, sales contract, asset appraisal book and down payment receipt, fills in the application form and other materials, and provides the ID card, household registration book or valid proof of residence of the borrower and his spouse (or property owner). Married employees should provide marriage certificates, and unmarried employees (including divorced, widowed and not remarried) should submit "Personal Marital Status Statement".

(2) When the borrower handles the loan, if the loan amount is less than 300,000 yuan (including 300,000 yuan), the loan amount shall not exceed 60% of the transaction price of the purchased house or the appraisal price of the appraisal agency designated by the bank; If the loan amount is more than 300,000 yuan and less than 400,000 yuan, the loan amount shall not exceed 50% of the transaction price of the purchased house or the appraisal price of the appraisal institution designated by the bank.

(3) The repayment period of the borrower shall not exceed the statutory retirement age in principle. Considering the actual situation of employees buying houses at present, the conditions can be appropriately relaxed under special circumstances and extended to 3 years after the statutory retirement age; The longest loan period shall not exceed 30 years, and shall not exceed the remaining service life of the purchased house.

The specific loan amount and term shall be determined by the municipal management center according to the borrower's provident fund deposit, real estate value, family income, age and other conditions.

(four) the loan interest rate shall be implemented in accordance with the housing provident fund loan interest rate stipulated by the People's Bank of China.

(5) After the loan contract and mortgage contract are signed, the bank will go through the mortgage registration formalities with the housing management department, and the municipal management center will transfer the funds into the loan account of the entrusted bank, and then the entrusted bank will transfer the funds into the account agreed in the loan contract.

The preparation materials are as follows:

Application form for provident fund loan;

Proof of provident fund deposit (or household registration book of housing provident fund) and proof of economic income;

The evaluation report of the purchased house;

The stock house sales contract signed by the buyer and the seller;

Real estate license and state-owned land use certificate under the name of the original seller (original and photocopy);

Husband and wife's ID card, household registration book, marriage certificate (original and photocopy, single employee should provide single certificate).

This concludes the introduction of how to borrow provident fund loans for buying second-hand houses and how to use housing provident fund loans for buying second-hand houses. I wonder if you have found the information you need?