The second-hand housing provident fund loan money is sent to the seller, and the buyer does not need an invoice now. Second-hand housing provident fund loans can be transferred to the seller's account after obtaining the deed tax certificate. Compared with the previous way of obtaining real estate license first and then obtaining mortgage guarantee of loan funds, it can save about 1 month. There have been two new changes in the procedures for the withdrawal of housing provident fund. I. Personal credit report is required for commercial loans to buy a house and withdraw provident fund. Second, the withdrawal of provident fund does not require the purchase of second-hand housing.
Experts, whose account did the provident fund loan go to?
Personal housing provident fund loans refer to loans entrusted by local housing provident fund management centers to commercial banks to pay for housing provident fund purchase, construction, renovation and overhaul.
For details, please consult the local branch of Bank of China or the provident fund management center.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.
Who will you go directly to after the provident fund loan comes down?
If you buy this kind of loan directly from the developer, call the developer directly. If it is a second-hand house, call the seller directly.
Has the second-hand housing provident fund loan bank informed the lender that the money has been credited to the seller's account?
Yes, the money has been credited to the seller's account.
Housing provident fund loan process:
1, application. The loan applicant first applies to the management or entrusted bank and submits the required application materials.
2. investigation. The entrusted bank first examines the authenticity of the materials submitted by the loan applicant, and investigates the personal credit report, the existing housing situation of the family, the down payment ratio, the adequacy of the guarantee, and the income and liabilities of the borrower.
3. review. The management shall review the application materials according to the investigation results of the entrusted bank, and then make a decision on whether to approve the loan within ten working days.
4. Sign the contract. The entrusted bank signs loan contracts and guarantee contracts with the loan applicants and guarantors.
5. guarantee. After the contract is signed, the entrusted bank shall handle mortgage registration and other guarantee procedures according to the loan contract.
6. Issue loans. The entrusted bank pays the funds.
Extended data:
Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.
Processing steps:
1. The borrower can submit a written loan application and related materials to the loan bank, which will submit it to the housing provident fund management department for approval, or directly apply to the housing provident fund management department for approval;
2, approved by the housing provident fund management department of the borrower, and the loan bank signed a loan contract and guarantee contract, mortgage registration, insurance, notarization and other related procedures;
3. The loan contract stipulates that the loan bank will transfer the loan to the special account for selling houses set up by the developer in the loan bank or directly to the deposit account opened by the borrower in the loan bank;
4. The borrower opens a repayment account in the loan bank and repays the loan principal and interest on schedule according to the repayment method and repayment plan agreed in the loan contract;
5. After the loan is settled, the borrower obtains the Loan Settlement Certificate from the loan bank, retrieves the mortgage registration certificate and the original insurance policy, and goes through the mortgage registration cancellation formalities at the original mortgage registration department.
References:
Baidu encyclopedia-housing accumulation fund