Buying a house is a very common way to buy a house now, which
Loan method
It can well reduce the economic pressure of buying houses and meet the needs of buyers.
Buy a second-hand house
When to apply
Handle provident fund
individual
housing loans
There are two main ways. Here is a specific introduction to provident fund loans.
The process of buying a house
What is this,
Handle provident fund loans
What materials are needed?
Option 1: the borrower directly applies for a loan from the municipal capital center.
Its handling process: consulting and registering at the "core" → submitting application materials → accepting and approving at the "core" → trading between buyers and sellers.
transfer
→ Signing a contract with the bank → Handling mortgage registration → Issuing loan funds → Repayment by the borrower on a monthly basis → Clearing the loan → Cancelling the mortgage.
1. For the "core" consultation, obtain the application form: the buyer and seller of the house and their spouses (proof is required for unmarried or divorced), holding the.
building droit card
》、《
public land
The original of the two certificates, as well as the original of the household registration book, ID card and marriage certificate, shall be pre-registered at the core of the city capital to receive the application form for provident fund loan.
2. The borrower shall submit the following loan information to the municipal capital core:
(1) provident fund loan application form; (2)
Public accumulation fund
certification of deposit
(or housing provident fund to account book) and economy
profit and loss statement
; (3) the evaluation report of the purchased house; (4) the contract signed by the buyer and the seller
Stock housing
purchase contract
》; (5) Real estate license and state-owned land use certificate in the name of the original seller (original and photocopy); (6) ID card, household registration book and marriage certificate of both husband and wife (original and photocopy, which should be provided by single employees)
Single proof
. )
3 "core" acceptance and approval: the municipal capital core accepts the information of loan applicants, and the approval is confirmed.
loan limit
And years.
4. Transaction transfer: both buyers and sellers of houses go to the real estate bureau and the land bureau to handle the transfer procedures of "two certificates" transaction.
5. Signing a contract: The borrower holds the "two certificates" for transaction transfer.
Deed tax payment
After the invoice (original and photocopy) arrives at the municipal finance center, the municipal finance center will issue a loan commitment letter, sign loan documents such as loan contract and mortgage contract at the designated bank, and the seller will open a special deposit account at the loan bank.
6. Mortgage: The borrower goes to the real estate bureau to apply for mortgage.
Housing registration
And receive "
building droit card
》。
7. Loans:
Loan procedure
After all the formalities are completed, the municipal capital center will directly transfer the loan funds to the deposit account opened by the seller through the bank.
8. Monthly repayment: The borrower repays the loan on a monthly basis according to the loan contract.
principal and interest
Until the loan is paid off in full.
9. Settlement of loan: After the borrower settles the last loan, I personally go to the loan bank counter to go through the repayment settlement procedures.
10. Cancellation of mortgage: After the borrower repays all the loan principal and interest, it will be cancelled with the settlement certificate issued by the loan bank.
Housing mortgage loan
Proof, original purchase contract or
property ownership certificate
Original and personal ID card, want the original.
real estate
The mortgage registration department handles the cancellation procedures of mortgage registration.
Method 2: The borrower entrusts an intermediary company to handle the formalities.
1. The customer directly consults with the guarantee company or intermediary company to obtain the loan application form.
2. The borrower shall submit a full set of loan information to the guarantee company or intermediary company, which shall send it to the municipal capital for approval.
3 city assets approved the loan qualification, amount and duration, issued a letter of commitment.
4. Guarantee companies or intermediary companies act as agents of buyers and sellers of houses.
Real estate license and land certificate
Transfer procedures: the loan bank signs a loan and mortgage contract with the borrower, and signs a tripartite agreement with the guarantee company or intermediary company to provide guarantee.
5. Directly transfer it to the special deposit account opened by the seller, and the borrower will repay the loan principal and interest on a monthly basis from the next month as agreed in the loan contract.
6. The guarantee company or intermediary company shall handle the mortgage registration formalities for the borrower and hand over the house ownership certificate to the loan bank for safekeeping and filing.
Through the above explanation, everyone must have a certain understanding of the process and procedures of buying a house with provident fund loans. I believe that when you go through the formalities of provident fund loan, you should prepare the required materials, which will save time and effort in handling matters related to provident fund loan.