How to apply for Shanghai provident fund loan? What conditions need to be met? Today, the editor is here to share relevant knowledge with you.

1. Shanghai provident fund loan application conditions:

1. Purchase an owned self-occupied house in an urban area of ??this city;

2. 6 months before applying for a loan Continuous and normal payment of housing provident fund;

3. The borrower's family has no unpaid housing provident fund debt.

2. Shanghai provident fund loan processing places:

To apply for a pure provident fund personal home purchase loan, the borrower can apply at any business outlet of Shanghai Housing Guarantee Co., Ltd.; such as provident fund loans If the amount is insufficient, the borrower can apply for a combination loan at any business outlet of the bank entrusted with the housing provident fund personal home purchase loan business.

3. Shanghai provident fund loan processing process:

The borrower applies for a loan at the acceptance outlet - the acceptance outlet handles the inquiry on the status of the property under the family's name - the acceptance outlet accepts - signs the contract - —Approval—Mortgage registration procedures at the real estate trading center—Bank lending.

IV. Time limit for Shanghai provident fund loan processing:

The loan application materials are complete and the review time limit shall not exceed 10 working days; if the conditions for loan issuance are met, the acceptance agency shall receive the "Real Estate Mortgage Rights" The loan disbursement time limit shall not exceed 5 working days after the registration certificate.

In addition, we should also pay attention to the following issues:

1. When applying for a pure provident fund loan, the identification standards for the first home and the improved second home< /p>

The determination of purchasing a first home is based on the fact that the borrower’s family (including the borrower, spouse and minor children) does not have a complete housing registration;

Purchasing an improved second home The identification of a house is that the borrower's family (including the borrower, spouse and minor children) only holds one house in the housing management department registration information, and the per capita housing construction area is lower than that announced by the statistics department in the previous year. The per capita housing construction area in the city is based on this;

Purchasing a house with guaranteed property rights will be determined as the first house.

2. If it is necessary to use cash to make up the excess resettlement fee for demolition and resettlement of property-owned housing, can I apply for a pure provident fund loan for the excess resettlement fee?

To apply for a pure provident fund loan for demolition and resettlement property rights housing, in addition to meeting the application conditions for a provident fund loan for ordinary commercial housing, it is also necessary to obtain the written consent of the relocation team, and the purchased house can be registered as a mortgage.

If it is of the nature of relocation and resettlement, and the house transfer transaction has a certain restricted period, such houses that are in the restricted transfer transaction period cannot apply for a housing provident fund home purchase loan.

(The above answers were published on 2016-12-08, please refer to the actual relevant current home purchase policies)

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