Second-hand housing provident fund loan process:

First of all, it should be noted that there are some differences in the application process between municipal provident fund loans and state-managed provident fund loans. The application process of the municipal provident fund is: the applicant provides the information of the buyer and the seller, fills in the standard application form of the management center, and then submits the evaluation and pays the evaluation fee. Then submit the relevant materials to the management center for examination and approval. After the preliminary examination is passed, the management center will notify the applicant for an interview, and then the management center will review it. After approval, the applicant signs a guarantee contract in the provident fund management center and pays the guarantee fee. After the loan is approved, notify the buyer and the seller of the transfer. The applicant needs to apply for mortgage registration after getting the house book, and the management center will release the money when it sees the mortgage registration acceptance form.

State-managed provident fund process: the applicant provides the information of the buyer and the seller, fills in the standard application form and income certificate of the State-managed Center, and if the applicant is married, he needs to provide the income certificate of both husband and wife, and then submits the evaluation application and pays the evaluation fee. After that, the buyer and the seller went to the bank for face-to-face signing. After the face-to-face signing, the state administrative center examines and approves the loan information, and after the examination and approval is passed, the buyer and the seller are informed of the transaction transfer. The applicant goes to the bank to sign the relevant contract, and after getting the new house, he goes through the mortgage registration, and the bank issues loan funds. The applicant repays the loan in full and on time, and after paying off the loan, the loan is settled and the mortgage is cancelled.

The information required by the municipal management provident fund and the state management provident fund is basically the same. The required information is: application form for provident fund loan; Proof of provident fund deposit (or household registration book of housing provident fund) and proof of economic income; Identity cards, household registration books, marriage certificates, academic qualifications and professional titles of both husband and wife; The evaluation report of the purchased house; Property ownership certificate and state-owned land use certificate (original and copy) in the name of the original seller.