The process of buying a house with a loan from different places:
1, before the loan, the consultation work should be well started. If property buyers borrow through provident fund, it is particularly important for loans from different places. You should ask whether you can get a loan from another place. If so, what materials need to be prepared and what conditions are met before you can get a loan.
2. If you can borrow money from different places, you can apply to the local provident fund unit, and the relevant personnel will review the information submitted by the applicant. Determine whether the information provided by the applicant is true and credible, and if it passes, issue a certificate for the use of off-site loans for the purchaser.
3. The applicant shall bring his/her ID card, house purchase agreement and supporting materials to the local provident fund unit, submit all materials to the staff, and review all materials to identify their accuracy and completeness. After the audit is no problem, you can apply for a provident fund loan, and then you just need to repay the loan on time.
Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
(six) the rent exceeds the prescribed proportion of family wage income.
In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.
If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.