Second-hand housing provident fund loan process is as follows:

1. To apply for housing provident fund loan, the borrower shall submit a written application to the bank, fill in the application form for housing provident fund loan and truthfully provide the following information:

(1) Proof of deposit of housing provident fund of the applicant and spouse;

(2) Identity certificates of the applicant and spouse (referring to valid residence certificates such as resident identity card and permanent residence booklet) and proof of marital status;

(3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;

(4) valid documents such as purchase contract and agreement;

(5) List of mortgaged property and pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of mortgage evaluation issued by relevant departments;

(6) The Provident Fund Center requires the third-party guarantor to provide guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * * sign a tripartite contract;

(7) Other information required by the Provident Fund Center.

2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time;

3, provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results;

4. 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 funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract.

How to buy a second-hand house with a housing provident fund loan?

Applying for a mortgage loan with housing provident fund to buy a second-hand house is divided into seven steps. The specific steps are as follows: 1. The borrower consults at the housing provident fund center and gets the application form: the buyer and the seller and their spouses (unmarried or divorced, they should issue certificates) go to the city housing provident fund center for pre-registration with two original certificates, such as house ownership certificate, state-owned land use certificate, household registration book under the seller's name, ID card and marriage certificate, and get the housing provident fund loan application form. 2. The borrower shall submit the following loan information to the municipal provident fund center: (1) application form for provident fund loan; (2) proof of deposit of provident fund (or household registration book of housing provident fund) and proof of economic income; (3) the evaluation report of the purchased house; (4) The stock house sales contract signed by the buyer and the seller; (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, single employee shall provide single certificate); 3. Acceptance and approval of the housing provident fund center: the municipal housing provident fund center accepts the information of loan applicants and determines the loan amount and duration through approval; Four. Transaction transfer: the buyer and seller of the house go to the real estate bureau and the land and resources bureau to handle the transfer formalities of the warrant transaction; V. Signing the Contract: The borrower shall present the transaction transfer certificate and deed tax payment invoice (original and photocopy) to the Municipal Housing Provident Fund Center, and the Municipal Housing Provident Fund Center shall issue a loan commitment letter to the designated bank to sign the loan contract, mortgage contract and other loan documents, and the seller shall open a special deposit account in the loan bank; 6. Mortgage: The borrower goes to the real estate bureau to register the mortgaged house and obtain the real estate license; 7. Lending: After all the loan procedures are completed, the municipal housing provident fund center will directly transfer the loan funds to the deposit account opened by the seller through the bank.

What is the specific process of buying a second-hand housing provident fund loan?

The general process mainly includes: buyer qualification examination/seller house verification, online signing, evaluation, preliminary examination/face-to-face signing, bank loan approval, loan contract signing, tax payment/transfer, and bank loan.

1. The borrower consults at the housing provident fund center and receives the application form:?

By the buyers and sellers of houses and their spouses (unmarried or divorced, certificates should be issued), two original documents, namely "House Ownership Certificate" and "State-owned Land Use Certificate" under the name of the seller, as well as the original household registration book, ID card and marriage certificate, go to the city housing provident fund center for pre-registration and receive an application form for provident fund loans.

Two. The Borrower submits the following loan information to the Municipal Provident Fund Center:

(1) provident fund loan application form;

(2) proof of deposit of provident fund (or household registration book of housing provident fund) and proof of economic income;

(3) the evaluation report of the purchased house;

(4) The stock house sales contract signed by the buyer and the seller;

(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, single employee shall provide single certificate);

Three, the housing provident fund center for approval:

Fourth, the transaction transfer.

Verb (abbreviation for verb) sign a contract

How to apply for a housing provident fund loan when buying a second-hand house?

I. The process of handling the second-hand housing provident fund loan is as follows:

1. Sign the payment agreement.

The purchaser carries the original and photocopy of the ID card and provides it to the housing provident fund management center of both husband and wife. Upon examination by the Housing Provident Fund Management Center, if the buyer meets the loan conditions of the housing provident fund, the buyer and the seller shall sign a loan fund transfer payment agreement.

2. Entrusted assessment

The loan applicant entrusts a housing appraisal institution recognized by the housing provident fund management center to evaluate the transferred house and issue an appraisal book.

3. Housing transfer

The buyers and sellers handle the house transfer formalities in the real estate registration department, sign the house sales contract, complete the deed tax payment formalities in the tax collection and management center, and obtain the property right certificate after the transfer.

4. Loan application

The loan applicant shall fill in the Application Form for Individual Housing Provident Fund Loan at the Housing Provident Fund Management Center with the materials required for the aforementioned provident fund loan, and make a record of the loan interview.

5. Lending approval

Housing provident fund management center is responsible for the preliminary examination and approval of loan applicants' loan applications.

6. Sign a loan contract

Sign loan contracts, handle insurance and notarization procedures.

7, for housing mortgage registration.

The loan applicant holds the loan contract to the entrusted bank, and after examination and approval, sends it to the accreditation center for housing mortgage registration, and submits the acceptance notice to the housing provident fund management center.

8. Lend loans

The housing provident fund management center shall notify the entrusted bank to issue loans after receiving the "Property Ownership Certificate" from the mortgagor.

9, repayment

The borrower shall repay the loan principal and interest on a monthly basis in accordance with the loan contract.

10, the contract is terminated.

After the borrower pays off the loan principal and interest, the loan contract is terminated and the entrusted bank issues a loan settlement certificate. The lender takes back the mortgage Property Ownership Certificate (combined loan to the entrusted bank) from the housing provident fund management center and goes through the mortgage cancellation registration with the housing property registration department.

Second, the second-hand housing provident fund loan application conditions

1. The loan applicant must establish a housing provident fund account for more than 12 months (inclusive), and at the same time pay the housing provident fund in full for more than 12 months (normal payment includes continuous monthly payment of housing provident fund, early payment and supplementary payment), and be in the state of payment when applying for a loan.

2. With the approval of the center, employees in the deferred payment state can apply for loans under the conditions that the housing provident fund account has been established for more than 12 months (inclusive) and the housing provident fund has been paid in full 12 months (inclusive).

3. The loan applicant can be a retired employee who has paid the housing provident fund during his working period.

4. Both husband and wife of the loan applicant shall not have outstanding provident fund loan records or policy discount business records.

Tip: the time conditions for establishing housing provident fund account and depositing housing provident fund should be met at the same time; Time when overdue payment fails to establish housing provident fund in advance.

Three. The borrower submits the following loan information:

1, provident fund loan application form;

2, provident fund deposit certificate (or housing provident fund account book) and proof of economic income;

3, the purchase of housing evaluation report;

4. The stock house sales contract signed by the buyer and the seller;

5. The house ownership certificate and state-owned land use certificate under the name of the original seller (original and photocopy);

6. Husband and wife's ID card, household registration book, marriage certificate (original and photocopy, single employees need to provide single proof. )

Extended data

Types of housing provident fund loans

The types of housing provident fund loans are: new housing loans, second-hand housing loans, self-built housing loans, housing decoration loans, commercial housing loans to provident fund loans and so on.

(Note: Not all provident fund centres provide the above-mentioned loans. Please consult the local housing provident fund management institution first. )

Characteristics of housing provident fund loans

Compared with commercial housing loans, housing provident fund loans have the advantages of lower interest rates, flexible repayment methods and low down payment ratio, but the disadvantages are cumbersome procedures and long approval time.

situation

1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.

2. To participate in the housing provident fund system, if you want to apply for a housing provident fund personal purchase loan, you must also meet the following conditions: that is, the housing provident fund has been continuously paid for at least 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.

3. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.

5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.

The basic conditions for applying for housing provident fund housing loans mainly include three aspects: loan object, loan purpose and basic conditions for housing loans.

target

1, with valid identification;

2. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans. Employees who have not participated in the housing provident fund system cannot apply for housing provident fund loans.

3. If one of the husband and wife has applied for a housing provident fund loan, both husband and wife shall not obtain a housing provident fund loan again before paying off the principal and interest of the loan. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

Applicants for housing provident fund loans should have self-raised funds equivalent to 20% or more of the housing purchase price (regulations vary from place to place); Housing provident fund loan applicants should agree to apply for loan guarantees, and so on. These are all needed to reduce the risk of housing provident fund loans.