Premise: If you are afraid of trouble and are at a loss, I suggest you add 15995479504 (WeChat with the same number) for details. If you like to ponder and are good at research, you can read this article first to understand the situation. Prepare for buying a house and applying for a loan.
Case background: The customer divorced and bought a house in the name of one person, which has been entrusted at present. The estimated price is 2 million. Suzhou hukou, payment of Suzhou social security, minimum standard, good credit, first suite, first loan.
Original plan: 650,000 yuan in custody and 6,543,800 yuan in loans, of which 450,000 yuan will be used for provident fund loans and the rest will be used for 20 years.
The final result: down payment of 850,000 yuan, provident fund loan of 65,438+2007, and 352,000 yuan, and the interest rate of the remaining commercial loans rose by 20%.
Handling process: after the materials are prepared according to the following contents, the buyers with complete materials will go directly to the outlets for handling, and the handling will end on the spot after the materials are complete.
Take Suzhou urban provident fund portfolio loan as an example, it feels very empty, and there is basically no queue. It will be finished in about two hours. Unlike the Housing Authority, which is full of people, it takes about 2 hours. Otherwise, I'm afraid of crossing the numbers.
It is recommended to consult by telephone before handling, so as to avoid a trip in vain.
Suzhou is the provident fund website: /szgjj/
Conditions for handling second-hand housing provident fund loans:
Information carried in places where funds are not used for custody.
Information carried where funds are used for custody.
Acceptance outlets:
Minor accidents in actual operation:
1. The provident fund can be loaned for up to 20 years, but the age loan of the main lender is ≤50 years old. For example, if you are 40 years old, even if other conditions meet the requirements, the longest service life of your portfolio loan is 10 years, that is, 50-40 years;
2. The personal provident fund loan can reach up to 450,000 yuan, but combined with your payment base and the balance in the card, the staff of the provident fund center will tell you how much you can borrow on the spot with your ID card. It is suggested that customers who handle it themselves can confirm it in advance, or have confidence that your running water and income are sufficient, and you can prepare the information at one time;
3, portfolio loans need to carry information:
Buyer's information: real estate license, land certificate, fund custody certificate, down payment certificate, down payment flow, credit report, income certificate, lender's ID card, household registration book, marriage certificate (divorce agreement is required).
Seller's information: ID card, household registration book and marriage certificate (divorce agreement is required);
4. Compare a number of banks and choose one: a number of banks, each bank's interest rate rises and the requirements for customers are unreasonable. Don't be afraid of trouble. I suggest asking one bank after another, choosing a bank with a lower interest rate and a faster loan will save real money. For example, the premise of ABC's portfolio loan is that it must be managed by ABC. For example, some banks discriminate against divorce and don't do it at all. Some divorced banks are 5% higher than unmarried or married banks, but fortunately, when they were almost desperate, they finally asked a conscience bank and got a floating interest rate loan without discrimination.
Note: printing materials in the provident fund center is free (there are two computers in the urban provident fund center, one is broken, and the other can print materials after logging in, free of charge)
Yes, now waiting for the loan, transfer, and real estate license. If nothing happens, it should be settled in the middle of next month.
Please look forward to it?
If you have any questions about Suzhou real estate, please feel free to consult 15995479504.
Second, Suzhou urban housing portfolio loans
Portfolio loans (provident fund loans, commercial loans). Commercial loans are provident funds.
1. application
The borrower shall fill in the loan application form at the local housing fund management center or sub-center and provide the following materials.
(1) My household registration book, ID card or other valid proof of residence;
(2 pieces;
(3) Borrower
(four) other materials required by the housing provident fund management center or sub center.
2. First trial
The housing provident fund shall conduct a preliminary examination of the application materials provided by the borrower, and determine the loan ratio of the provident fund and bank credit funds.
survey
The house trustee investigates the loan and puts forward the investigation opinions. The survey results must be reported to the housing fund management center or sub-center and the relevant departments within the bank for approval.
4.
After the approval of the housing fund management center or sub-center and the loan handling bank, the loan shall be handled in accordance with the personal housing guarantee of the loan center and the personal housing loan entrusted loan contract of the loan handling bank.
5. The borrower shall open a policy account and an enterprise account respectively.
6 for mortgage, guarantee, pledge and insurance procedures (attached
7. The loan contract takes effect and the funds are transferred to the developer's account.
In practice, due to regional differences, it is recommended that you follow the policies of your region.
Three, Suzhou urban housing portfolio loans
Purchase new ordinary houses or self-built houses;
1. The borrower's provident fund card, ID card and proof of marital status (marriage certificate or household registration book or single declaration);
Joint investment in the purchase of a house requires proof of immediate family members (household registration book or certificate issued by the public security notary department).
2. Commercial housing sales contract;
For self-built (super-built) houses, it is necessary to provide a construction project planning permit or a house ownership certificate, a state-owned land use certificate or a mortgage (counter-guarantee) contract signed by other houses (including third parties) and housing home purchase guarantee institutions after evaluation.
3, the purchase of housing down payment certificate;
4. If the borrower's previous housing provident fund loan has been paid off, it is necessary to provide the loan settlement certificate issued by the bank.
(two) the purchase of complete sets of housing stock:
1. The borrower's provident fund card, ID card and proof of marital status (marriage certificate or household registration book or single declaration);
Joint investment in the purchase of a house requires proof of immediate family members (household registration book or certificate issued by the public security notary department).
2, the purchase of housing down payment certificate;
3. Original real estate license and state-owned land use certificate;
4, housing replacement transaction agreement, housing transaction (evaluation, appraisal) price certificate;
5. If the borrower's previous housing provident fund loan has been paid off, it is necessary to provide the loan settlement certificate issued by the bank.
(3) Other necessary materials.
4. What are the conditions for the second loan of Suzhou Provident Fund?
Hello! At present, applying for housing provident fund loans should meet the following four basic conditions:
(1) The borrower has paid the housing accumulation fund in full and on time for more than six months (inclusive) before the application date;
(2) The down payment for house purchase shall not be less than the specified proportion. For the second housing provident fund personal housing loan, the down payment ratio shall not be less than 30_ of the total housing price.
(3) Being able to implement loan guarantee;
(4) The borrower, spouse and other co-owners have no housing provident fund loan debt, and their personal credit status is good. (Note: All loan applicants (including joint loan applicants) must meet the loan conditions. If you have any questions, please call the service hotline of the Provident Fund Management Center. The hotline is 12329.