2. Proof of stable economic income (proof of unit wage income, etc.). );
3, housing provident fund deposit certificate;
4. The purchase contract and agreement signed with the selling unit (approved by the land planning department of self-built housing);
5. I and my spouse * * * fill in the loan application approval form;
6. Receipt of house payment (down payment) of not less than 20% of the total house payment (proof of self-financing of not less than 30% of the total house payment is required for purchasing private houses, building and overhauling self-occupied houses);
7. List of pledge rights and ownership certificate issued by the borrower (or written commitment to provide guarantee issued by the guarantor).
What are the loan processes for provident fund renovation?
1. The provident fund renovation loan applicant applies for a loan from the house property guarantee company and submits relevant certificates and materials at the same time;
2. After the bank has approved the documents and materials submitted by the borrower, the loan applicant will sign a renovation contract with the decoration company accordingly and hand over the original contract to the bank;
3. The borrower and the borrower sign the loan contract and the corresponding guarantee contract. If the borrower takes the house as mortgage, it shall go through the formalities of notarization of individual housing mortgage contract, mortgage housing insurance and real estate mortgage registration;
4. After the bank accepts the certificate of other rights of real estate, it shall go through the formalities of loan guarantee or loan;
5. Entrusted by the borrower, the bank will transfer the loan to the bank designated by the decoration company to open an account in the name of paying the decoration money at the time stipulated in the loan contract.
Provident fund renovation loans should be earmarked.
Provident fund is a policy of benefiting the people, but it has been used by some people in real life, causing a lot of trouble.
In the past two years, some urban provident fund renovation loan policies were once suspended, mainly because many intermediaries colluded with the staff of individual handling outlets to conduct irregular operations in the process of handling, in order to achieve the purpose of handling loans in violation of regulations or exceeding the limit, and charge a certain commission.
For example, many advertisements on the Internet now claim that the provident fund loan to buy a car is actually to apply for the renovation loan of the provident fund through illegal operation and then use it to buy a car, which can save a sum of interest, so many people flock to it. In fact, the provident fund can only solve the housing problem and is not allowed to be used for other purposes.