If you apply for personal housing provident fund loan business at China Bank in Shenzhen, the loan processing flow is as follows: Step 1: the applicant and * * * make an appointment with the applicant directly at our bank's business outlets or online (fill in the information in "Making an appointment for loan business", Appointment processing time and place) Step 2: Submit the application materials at the bank's business outlets or at the reception counter of the management department according to the appointment time. Step 3: Approval by the provident fund center. Step 4: Sign a loan contract with a commercial bank after approval. Step 5: The bank handles the relevant loan procedures. Step 6: The bank issues loans. Step 7: The borrower receives the information and completes the business. Due to the differences in policies and requirements of individual housing provident fund loans in different housing provident fund management centers, please consult the provident fund loan business outlets or the local authorities in detail.
The above contents are for your reference. Please refer to the actual business regulations.
Detailed explanation of the process of buying a house with provident fund loans makes the provident fund no longer "sleep"
In today's situation of high housing prices, more and more young people choose loans to buy houses. In addition to commercial loans, many people choose to use provident fund loans to buy houses because the loan interest rate of provident fund loans is lower than that of commercial loans. Today, Xiaobian will introduce you to the specific operation process and application conditions of buying a house with a provident fund loan. Let's look at it together.
Housing accumulation fund loan purchase process
1, individual urban workers and their units must pay the housing provident fund continuously for one year;
2. The borrower purchases affordable housing recognized by the lender;
3. Have permanent residence in cities and towns or valid residence status; Have a stable occupation and income, and have the ability to repay the principal and interest of the loan; Having a contract or relevant supporting documents for the purchase of housing;
4. The Borrower agrees to mortgage the property listed in the Housing Sales Contract signed with the developer to the Lender, giving the Lender the priority of mortgage and compensation as a guarantee to repay the principal and interest;
5. The borrower has the ability to pay not less than 30% of the funds required for house purchase;
6. Other conditions stipulated by the lender.
Information to be submitted:
Personal data:
Four copies of the identity certificate of the individual (hereinafter referred to as the borrower) applying for the loan and the relevant identity certificate of the spouse (ID card or other valid documents);
Four copies of the borrower's marriage certificate (single certificate, marriage certificate, divorce certificate or divorce judgment, and the widowed person must provide the other party's death certificate);
4 copies of valid vouchers for paying the house purchase price;
4 copies of the income certificates of the borrower and spouse respectively;
4 originals of legal house purchase contract;
And the seal of the borrower and his spouse;
In addition, the borrower's housing provident fund deposit certificate must be provided.
Be sure to bring the original and the corresponding copies of these materials.
Housing construction audit information:
Commercial housing pre-sale permit or housing reform approval;
Construction project planning permit;
Construction permit for construction project;
Construction land planning permit;
State-owned land use certificate;
Review the floor plan and floor plan.
Housing purchase process with provident fund loan:
1. Preliminary review: The housing fund management center will conduct a preliminary review of the materials submitted by the applicant, including the applicant's qualification, loan amount and loan period. After passing the preliminary review, the center will issue a Notice of Collateral Review and Evaluation.
2. Appraisal: The applicant takes the Notice of Collateral Examination and Appraisal to the appraisal institution designated by the Center to appraise the value of the purchased house, and the affordable housing does not need to be appraised.
3. Audit: The applicant will go to the center for loan audit with the Appraisal Report issued by the appraisal institution and the preliminary examination materials required by the center. If it is qualified, the center will issue the Notice of Investigation on Entrusted Loan Guaranteed by xx Housing Fund Management Center.
4. Handling guarantee procedures: The applicant holds the Notice of Investigation on Entrusted Loan Guaranteed by xx Housing Fund Management Center and handles the guarantee procedures according to the guarantee method he chooses. If mortgage guarantee is selected, the guarantor shall issue a written letter of guarantee; If you choose mortgage insurance or third-party guarantee, you should apply for insurance at an insurance company or go through the formalities of entrusted guarantee at a guarantee institution.
5. Sign a loan contract.
The interest rate of provident fund loans is lower than that of commercial loans. Within five years (including five years), the monthly interest rate is 3.45‰ and the annual interest rate is 4. 14%. For more than 5 years, the monthly interest rate is 3.825‰ and the annual interest rate is 4.59%. The state stipulates that the maximum amount of provident fund loans cannot exceed twice the amount of housing provident fund paid by borrowers within their retirement age. The state stipulates that the loan term is one to ten years, but not more than twenty years at the most. Banks generally require borrowers to pay interest first and then repay the principal and interest in equal amounts. Generally, banks have three methods to determine how much to lend to borrowers and how long to borrow.
1. The loan amount is determined by 10 times of the balance of housing accumulation fund paid by the borrower;
2. Take 40% of the borrower's total salary as the loan amount that can be applied;
3. According to the borrower's monthly repayment ability and the bank's monthly loan interest rate of 3.825‰, the approximate repayment period can be calculated by substituting into the corresponding formula. In addition, the bank will "repay the loan" of the provident fund in March every year, and the reduction amount shall not exceed 12 times of the monthly repayment amount of that year. In other words, the provident fund you pay can not only apply for a loan with lower interest rate, but also help you repay part of the loan amount.
Commercial loan procedure flow
The first step: signing a tax contract is the first step in the process of buying a house with a loan. Sign the Pre-sale Contract and the Sales Contract; Pay the down payment according to the specific requirements of the developer; Pay stamp duty with the developer at the amount of 0.5% of the house price.
Step 2: Submit an application for a loan to buy a house. The most complicated and important step in the process is to submit an application. Different from housing provident fund loans to buy a house, commercial loans to buy a house should be filled in and submitted in accordance with the regulations. (1) Fill in the application materials: 1, Personal Housing Loan Application Form 2, Personal Housing Loan Contract 3, Loan Housing Ownership Certificate Custody Contract 4, Power of Attorney 5, Commitment Letter 6 and conversation record.
(2) Submit application materials: 1, ID cards, household registration books, temporary residence permits, marriage certificates, academic certificates and other relevant certificates of the applicant and spouse. 2. Original house purchase agreement 3. Proof of the applicant's family income and relevant assets, including payroll, personal income tax bill, income certificate issued by the company, bank deposit certificate, etc. In the process of understanding how to borrow money to buy a house, it will be found that, like the process of housing provident fund loan to buy a house, the above-mentioned loan purchase procedures are completed, and the application is completed, and then the bank will wait for approval.
Step 3: Bank Audit According to the information provided by the lender, the bank will audit the lender's credit standing, loan amount and loan period. This step of the loan purchase procedure is dominated by the bank and is the key to the success of the loan application. Step 4: Sign a series of contract documents with the lender after the bank has approved the loan-related contract. Most people think that after signing the contract, the process of buying a house by loan is over. In fact, we have only completed most of the work in the loan purchase procedure, and there is another step. Step 5: The lender repays the loan on a monthly basis. The last step in the procedure of buying a house is to repay the loan. The whole process of buying a house by loan is really over until the date when the loan is fully returned.
Mortgage loan purchase process
I. Operation Flowchart Providing Consultation-Accepting Application-Pre-loan Investigation-Loan Approval-Loan Issuance-Loan Recovery-Loan Management
II. Brief description of each link in the process
1, Consultation, Application Acceptance, Pre-loan Investigation (1) Consulting managers provide consulting services to customers, including: the types of personal housing loans that have been started, the objects, conditions, amount, term, interest rate, repayment methods, etc. (2) Accepting the application After consulting with CCB, the borrower shall fill in the Application Form for Personal Housing Loan of Zhejiang Branch of China Construction Bank as required to apply for a loan, and provide the following information: ID card, proof of husband-wife relationship of the mortgagor (valid proof is required for singles, borrower's income certificate, house purchase contract, down payment certificate, written proof that the guarantor agrees to guarantee and other relevant information required by CCB). (3) After accepting the loan application, the pre-loan investigation manager shall investigate the completeness, authenticity, validity and legality of the Application Form and the required information submitted by the loan applicant. Through the pre-loan investigation, it is considered that it meets the loan conditions and is ready for approval.
2. Loan approval (1) Credit personnel of the handling bank within the approval authority of the handling bank-the person in charge of the credit department-the person in charge of the handling bank (2) The approval of the handling bank beyond the approval authority of the handling bank-reported to the approval personnel of the credit approval agency of the superior bank. After investigation, the situation was stated in the Approval Form for Personal Housing Loan of China Construction Bank and the review opinions were written, and the loan approval form and approval materials were submitted to the person in charge of the credit department and the person in charge of the credit department. If it exceeds the examination and approval authority of the branch, it shall be submitted to the credit examination and approval authority of the superior bank for examination and approval after being signed by the branch.
3. Sign a contract for loan issuance-go through the formalities of mortgage (pledge) registration, insurance, notarization, etc.-fill in all kinds of vouchers after the contract comes into effect-the borrower opens a deposit account-go through the formalities of loan transfer. (1) After signing the contract loan for examination and approval, the handling personnel shall sign the relevant contracts with the contract, the borrower's parties (the borrower, the mortgagor and the guarantor) and the authorized signatory of China Construction Bank according to different loan purposes and loan guarantee methods. (2) After going through the relevant formalities such as mortgage registration, insurance notarization, opening a borrower's deposit account, signing a mortgage contract and receiving the mortgage, the credit department shall register the "Mortgage (Pledge) and Warrant Register" item by item according to the mortgage (Pledge) and fill in the "Mortgage (Pledge) of China Construction Bank" according to the value of the mortgage (Pledge). (3) Fill in all kinds of accounting vouchers after the contract comes into effect. (4) Handling the loan transfer formalities After receiving the notice of payment from the credit department and checking that it is correct, the accounting department will handle the loan transfer formalities according to the relevant regulations and procedures, and the transfer will be made by one of direct payment or special transfer.
4. Entrusted deduction method for loan recovery (1): The borrower shall sign an entrusted deduction agreement with the lending bank. (2) Counter repayment method: The borrower shall hand over the cash or credit card or savings card to the counter manager for handling.
5. Post-loan management (1) daily management: track management, query analysis, including loan account, daily loan notice, overdue collection, post-loan inspection, query statistics, and daily custody of collateral (pledge) until the loan is settled. (2) Withdrawal of mortgage: When the borrower pays off all the loan principal and interest on schedule, the credit department shall write off the "Register of Mortgaged (Pledged) and Warrants" and fill in the "Notice of Transfer of Collateral and Pledged of China Construction Bank" to inform the accounting department and the storage department of Mortgaged (Pledged). The accounting department, the custody department and the custody department shall go through the formalities of clearing the account and withdrawing the charge accordingly after examination and verification. (3) Archives management: After completing each loan, the credit handling personnel will regularly sort out the collected relevant materials, submit the original contract to the archives administrator, and handle the relevant handover procedures. A copy of the contract shall be kept by the credit department for daily management. After the loan principal and interest are settled, the credit department shall notify the archivist to formally file the archives.
Conclusion: In fact, the provident fund is not only used to buy a house as people know, but also can be used for other purposes if you want the provident fund to play more roles. However, the relevant staff of a housing provident fund management center suggested that it is necessary to go to the public security bureau to open a certificate of no room and rent invoices to withdraw the provident fund to rent a house. In order to get a few hundred dollars at a time is too much trouble, if you have plans to buy a house in the future, it is more cost-effective to take it out in one breath when you need it in the future.
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What are the conditions for a bank loan? What is the application process?
What are the conditions for a bank loan? What is the application process?
The age is between 18-60 years old; Have a certain repayment ability, preferably a stable income and work, and no workers need to submit financial proof materials; Personal credit information is good, and there can be no overdue or illegal records in the credit information; The personal debt ratio should not be too high and the debt ratio should not exceed 50%. However, meeting the loan conditions does not necessarily mean that the loan can be passed, and ultimately it will be subject to the bank's audit results.
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Flow chart of bank loan for buying second-hand houses
Second-hand housing bank loan process:
1, apply for a loan from the bank and submit the loan information;
2. Housing evaluation;
3. Bank approval;
4. Pay the down payment and handle the transfer;
5. The buyer goes through the formalities of mortgage registration and insurance, and the bank lends money.
Second-hand housing loans are generally determined according to the borrower's character, occupation, education level, repayment ability, and the liquidity of purchased housing (including mortgaged housing).
Loan term: generally within 20 years, and the maturity date of the loan cannot exceed the borrower's age of 65 in principle. The loan interest rate shall be subject to the provisions of the People's Bank of China. In case of legal interest rate adjustment, if the term is less than 1 year, the contract interest rate will be implemented, and interest will not be calculated in installments; If the term is more than 1 year, the new interest rate will be implemented at the beginning of the following year.
Extended data:
When the second-hand housing loan is handled, the buyer and the seller bring all relevant materials to the bank. Receive and fill in the application form for personal loan of second-hand house, and submit the materials to the staff for review after filling in. The bank staff will make a preliminary evaluation on the qualifications and loan materials of the lender, and give the approximate loan amount and duration.
After the first trial is passed, the bank will contact the designated housing appraisal agency to inspect the house for evaluation. The real estate appraisal institution issues an appraisal report to the bank, and the bank examines and approves the loan amount and term according to the appraisal price of the house and the qualifications of the comprehensive lender. The approval process usually takes about 5 working days.
After approval, the buyer pays the down payment to the seller. Then the buyers and sellers and bank staff go to the real estate exchange to handle the transfer of house property rights with the down payment certificate, the mortgage application review commitment letter issued by the bank and other materials. Generally, the transfer can be completed on the same day, and the buyer can get the real estate license after waiting for about 20 working days.
After receiving the real estate license, handle the mortgage registration and insurance. Then, after the loan is issued, the bank will deposit the house money into the seller's account, and the buyer will start to repay the principal and interest on schedule according to the contract.