Housing loan is a very good choice in buying houses now, and it is the first choice for most buyers, because not all buyers have the ability to pay the house price in full, and under the high house price, the down payment also prevents many buyers. Buying a house with loans can make many people buy their own houses in advance. There are three kinds of housing loans: provident fund loans, commercial loans and portfolio loans. So what does provident fund loans mean to buy a house? Let's take a look at it with Xiaobian.
1. What does it mean to buy a house with provident fund loans?
Buying a house with provident fund loans is an act of using the long-term housing savings paid by state organs, institutions, private companies and other units for their employees to buy a house. Compared with personal commercial loans, not only the down payment is low, but also the mortgage interest rate is more favorable. The key point is that the housing provident fund can also be used to repay the monthly payment, which is incomparable with other loan methods.
second, the process of second-hand housing provident fund loans
1. Evaluation
To apply for housing provident fund loans, it is necessary to evaluate the transaction houses first, so as to determine the loan amount, loan term and repayment method, etc. The house value evaluation is conducted by the real estate appraisal agency designated by the Housing Provident Fund Management Center, so both parties to the transaction should actively cooperate.
2. Confirm the deposit of housing provident fund
Employees applying for second-hand housing loans should submit materials such as salary income, housing provident fund deposit certificate, house ownership certificate and so on to the provident fund loan bank, and the business personnel will review and confirm whether the deposit of housing provident fund is normal and whether the salary and income certificates are true.
3. Choose loan guarantee method
Second-hand houses need a guarantee to apply for housing provident fund loans. There are two ways: guarantee plus mortgage and mortgage, and you can choose according to your actual situation.
4. Sign a house purchase and sale contract
After it is confirmed that the loan can be successfully applied, the buyer and the seller can sign a house transaction contract and pay the down payment, then fill out the Application Form for Housing Provident Fund Loan and submit all the loan application materials.
5. Handling mortgage and loan
After the information is approved, the bank can sign a mortgage contract with the buyers, go through the formalities of provident fund loan, and then lend money after the house is transferred.
Editor's summary: The above is the introduction of what it means to buy a house with provident fund loans. I hope the content shared by Xiaobian can give you some reference. If you want to know more about it, you can follow our Qijia.com for consultation.