According to the relevant regulations, the explanation of the mortgage of provident fund loans is as follows: the progress inquiry of provident fund loans shows that the loan application has not passed, that is, the loan has not passed. Generally, the reasons for failure will be displayed, such as incomplete information, data objection or bad credit record. To apply for a housing provident fund loan, the housing provident fund center will conduct a preliminary examination of the applicant's conditions, and then sign a loan contract with the loan bank after passing the examination, usually about one month after submitting the application. What is the process of buying a house with a personal housing provident fund loan? Preliminary examination: The Housing Provident Fund Management Center conducts a preliminary examination of the materials submitted by the applicant, including the applicant's qualification, loan amount and loan period. After passing the preliminary examination, the center will issue a notice of mortgage review and evaluation. 2. Appraisal: The applicant holds the Notice of Collateral Examination and Appraisal to the appraisal institution designated by the Center to appraise the value of the purchased house. Affordable housing does not need to be evaluated. Three. Audit: The applicant will go to the center for loan audit with the evaluation report issued by the evaluation agency and the preliminary materials required by the center. Meet the conditions, the center issued the "housing provident fund management center entrusted loan investigation notice". 4. Handling the guarantee procedures: The applicant shall handle the guarantee procedures according to the guarantee method chosen by himself with the Notice of Investigation on the Entrusted Guarantee Loan of the Housing Provident Fund Management Center. If mortgage guarantee is selected, the guarantor shall issue a written guarantee; If you choose mortgage insurance or third-party guarantee, you should apply for insurance in an insurance company or go through the formalities of entrusted guarantee in a guarantee institution. 5. Sign a loan contract. The land and housing fund management center signed an entrusted loan agreement with the entrusted bank. Lacquer, the borrower applies for a loan directly to the housing fund management center, and the entrusted industry can collect the borrower's application materials as needed and submit them to the housing fund management center for examination and approval. By the way, after the housing provident fund management center has approved the amount, term and interest rate of each loan, it will sign an entrusted loan contract with the entrusted bank. 9. According to the entrusted loan contract, the entrusted bank shall go through the loan procedures after signing the Mortgage Contract for Housing Provident Fund Entrusted Loan, the Pledge Contract for Housing Provident Fund Entrusted Loan and the Guarantee Contract for Housing Provident Fund Entrusted Loan with the borrower respectively. 10. The entrusted bank directly transfers the loan to the designated account opened by the seller in the entrusted bank.
How to handle the mortgage of provident fund loans and real estate licenses?
Some property buyers will choose to use real estate license as collateral for provident fund loans, but some do not know the process of handling provident fund loans, so they have repeatedly failed. Mo Long is recommended as the loan, with the fastest loan 1 day, without mortgage. Apartment stores can also apply, and the loan can be extended for up to 2 hours without mortgage, which is worth choosing.
Process of handling provident fund loan with real estate license as collateral:
(1) loan application. The borrower and spouse bring the loan application materials to the corresponding sub-centers and management departments to apply, and the loan handling personnel ask the borrower to evaluate the mortgaged property after passing the preliminary examination.
(2) loan approval. After the evaluation is completed, the evaluation company will submit an evaluation report to the sub-center and the management department. After the "three-level review" of the loan is passed, the loan handling personnel inform the borrower to get the "two bills" and get the "mortgage contract" at the real estate trading center.
(3) mortgage and custody.
(4) loan issuance. The borrower shall go to the jurisdiction where the loan business of the provident fund center belongs with the Notice of Custody of Other Warrants and the Loan Contract, affix the loan-related seal of the Loan Contract, receive the Notice of Fund Transfer of Entrusted Housing Mortgage Loan, and go through the loan issuance formalities at the undertaking bank.
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What should I do if the application keeps showing provident fund loans? Is there any way to speed up the approval of provident fund?
Provident fund loans to buy a house can't save interest, but the approval speed of this loan method is not very fast. Many people always show that they are under examination and approval after submitting their applications, and they will ask how to offset the provident fund loans. Let's see what methods can make the approval of provident fund faster.
How to urge provident fund loans to be approved all the time?
The process of provident fund loan is complicated. First of all, the borrower applies for providing relevant information, and the provident fund management center accepts and inputs the information, and then reviews it. After the loan is passed, a loan contract is signed with the borrower, which is met by the entrusted bank, then mortgaged, and finally released by the provident fund center.
The time required for each link is uncertain, but the review of this link alone can generally be completed within 15 working days. For example, the provident fund loan has been shown in the audit, indicating that the audit has not been completed, and the borrower had better wait patiently.
Because the speed of provident fund review is affected by the borrower's comprehensive credit conditions, the completeness of the information provided, the number of applicants and other factors, there is no need to call the provident fund center to urge rapid review. If the borrower wants to make the provident fund faster, he should do these things well when applying:
1, the down payment ratio is high: the high down payment ratio of provident fund loans will make the provident fund center think that the borrower has sufficient capital flow and evaluate its repayment ability higher.
2. Maintain good personal credit: The borrower's good credit can also save the time for provident fund review. The better the credit, the better the borrower's integrity and the lower the loan risk.
3. Provide sufficient information: in addition to the information required by the provident fund center, you can also provide financial information such as real estate and automobile production under your name to show your economic strength and repayment ability.
4. Maintain the stability of repayment ability: First of all, the borrower must have a stable job, can't leave his job before handling the provident fund loan, and the personal debt ratio can't be too high. It is best to settle all kinds of small loans under his name first, and then apply for provident fund loans.