Pay the housing accumulation fund normally in the local area.
2. The loan business only accepts the application of the borrower or spouse of the original housing loan.
3. The applicant needs to confirm to the bank that his house purchase loan has not been settled, and at the same time apply to the bank for early settlement of the loan. Once the bank agrees, it can handle the next business.
4. The applicant shall ensure that the repayment of the original commercial house purchase loan is above 1 year (inclusive), the credit record is good, and there is no overdue behavior.
5. When the applicant transfers to the public, ensure that the purchased property has obtained the house ownership certificate issued by the local real estate registration department, and the applicant has not applied for a housing provident fund loan before.
6. The amount of business-to-public loans applied for should be within the maximum loan amount of housing provident fund loans announced by the local housing provident fund management committee and the balance of the original commercial housing loans before it can be accepted. The loan interest rate of business transfer to public is implemented according to the current housing provident fund loan interest rate in our city.
Before applying to the housing provident fund management institution, it is necessary to do a good job in preparing relevant materials, including the original loan contract for commercial house purchase loans signed with the original loan bank; Housing ownership certificate issued by the local real estate registration department; The loan balance certificate or the original loan repayment list can only take effect after being sealed by the original loan bank. After the materials are complete, you can apply for an operating loan from the local housing provident fund management institution.
Extended data
Loan steps
1. The real estate appraisal agency designated by the Housing Provident Fund Management Center (hereinafter referred to as "the Center") evaluates the transaction house, determines the loan amount, and determines the loan amount and the value of the house (collateral) to be traded by both parties. Both parties to the transaction should actively cooperate. According to the pre-assessment report issued by the assessment agency, the transaction price of both parties and the repayment ability of the borrower, the center pre-examines the loan amount and term to be applied by the employees, and issues the Confirmation Form for Pre-examination of the Loan Amount and Term of Housing Provident Fund Second-hand Housing to the employees.
2. The employee who puts forward the loan demand and intends to apply for the second-hand housing loan shall submit the borrower's (spouse's) salary income and housing provident fund deposit certificate (in triplicate) and the original and photocopy of the housing ownership certificate before the transaction, and the business personnel shall review and confirm whether the employee's housing provident fund deposit is normal and whether the employee's (spouse's) salary income certificate is true and standardized.
3. Choose the loan guarantee method. Second-hand housing provident fund loan guarantee methods include installment guarantee plus mortgage and mortgage. Borrowers can choose independently according to their own actual situation. If the second-hand housing loan is handled by installment guarantee and mortgage, the guarantee company selected by the borrower shall bear the installment joint liability guarantee for the borrower before the mortgage registration formalities of the house purchased by the borrower are completed and the house ownership certificate is signed by the entrusted bank. If the second-hand housing loan is handled by mortgage, the borrower shall go through the mortgage registration formalities before the loan is issued, and the house ownership certificate shall be kept by the entrusted bank.
4. Sign the house transfer contract, handle the self-raised funds delivery, the buyer and the seller handle the house transaction procedures, receive the house evaluation report, sign the house transfer contract, handle the self-raised funds delivery, and the buyer and the seller handle the house transaction procedures and deliver the self-raised funds. Both parties can deliver the goods under the witness of the guarantee company (the entrusted bank), or they can choose to be supervised and paid by the entrusted bank.
5. Fill in the Application Form for Housing Provident Fund Loan and submit all loan application materials as required (including housing appraisal report, housing provident fund loan application form and all loan application materials including housing appraisal report as required). If the second-hand housing loan is handled by installment guarantee or mortgage, the guarantee company may submit the loan application materials to the center on behalf of the borrower; If the second-hand housing loan is handled by mortgage, the borrower himself shall submit the loan application materials.
6. Bank Lending With the gradual increase of bank loan interest and the cancellation of the first home loan interest rate concession, the interest cost of using commercial loans to buy a house is getting higher and higher, which is higher than that of housing provident fund loans. If you have the conditions for housing provident fund loans, using provident fund loans is the most cost-effective way.
7. Review, approval and audit
8. Signing loan contracts and other procedures
Required materials
Housing provident fund loans need information
1. Materials to be provided for applying for commercial housing provident fund loan
(1) The borrower and the original and photocopy of the borrower's resident ID card and household registration book (* * * with repayment and guarantor) and * * * with repayment commitment letter;
(2) proof of marital status (if married, provide a copy of marriage certificate, and other information shall be issued by the unit or police station);
(3) Legal commercial housing purchase contract or agreement;
(4) Personal credit certificate provided by the borrower and the borrower's unit;
(5) Effective proof that the borrower has paid not less than 30% of the house purchase price;
(6) List of mortgaged property and pledged property, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of mortgage evaluation issued by relevant departments;
(7) The auction property of housing provident fund loan must be the property with mortgage agreement signed by the developer and the entrusted bank, and the borrower can go through the loan formalities through the mortgage bank.
For the loan application with complete information, the bank will accept the examination in time and submit it to the provident fund center in time.
The provident fund center is responsible for approving loans and informing banks of the approval results in a timely manner.
The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted bank will allocate the loan funds, and the entrusted bank will issue the loan in full and on time according to the loan contract.
If the borrower has a mortgage, he shall go through the mortgage registration formalities with the property right management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.
2 second-hand housing provident fund loans should provide materials.
Second-hand housing management is based on the purchased housing as collateral, and the following information must be supplemented on the basis of providing the above information:
(1) Copy of the Seller's ID card and household registration book;
(2) The original and photocopy of the real estate license;
(3) An assessment report issued by an assessment agency recognized by the Provident Fund Management Center;
(4) Tripartite agreement between the intermediary agency recognized by the Provident Fund Management Center and the buyer and seller;
(five) mortgage registration shall be handled by the real estate transaction department at or above the district level.
Second-hand housing provident fund loans can be handled through the entrusted bank.
3 units to apply for housing provident fund loans should provide materials.
Units to raise funds to build houses shall be handled by the units in a centralized manner. When applying to the provident fund management center, the units shall provide the following information:
(1) Approval from the Development Planning Commission;
(2) State-owned land use certificate;
(3) Construction project planning permit;
(4) Construction land planning permit;
(five) the construction permit.
After the materials are approved, the provident fund management center and the fund-raising housing unit shall sign an agreement or guarantee contract in accordance with the relevant provisions of the Security Law.
References:
Baidu encyclopedia-accumulation fund