First, the specific loan conditions: ① individuals who have paid the housing provident fund in full and on time for more than one year and have full capacity for civil conduct; (two) in the city's urban housing, has handled provident fund loans, portfolio loans or commercial loans and obtained housing ownership certificates (or housing ownership certificates, state-owned land use certificates); (3) Having a proper occupation and stable economic income, having the ability and willingness to repay the principal and interest of the loan on schedule, and having a good credit standing; (4) There are legal and valid commercial housing sales contracts and real estate ownership certificates in Chongqing (or real estate licenses and state-owned land use certificates); (5) Agree to use the purchased house as collateral; 6. Agree to apply for house purchase guarantee.
Second, the specific process: ① The employees who purchase houses can consult the outlets established or entrusted by the housing provident fund management institution about the direct loan of forward housing, and calculate the loanable amount and term (if the house purchase in Wanzhou is a commercial loan, they need to apply for a provident fund replacement loan from the Wanzhou Provident Fund Sub-center); (2) Get the loan application approval form and the applicant information questionnaire, fill it in carefully and truthfully, and then apply for a loan. At the same time, submit relevant materials. If a copy of the materials is submitted, the original shall be submitted for inspection; (3) the staff talks with the borrower and reviews the loan application; (4) After receiving the notice from the staff, the approved loan applicant shall sign the loan contract and other relevant contract texts at the agreed place at the agreed time to handle the housing guarantee; (5) Pay off the original loan and cancel the mortgage registration, and go through the mortgage registration formalities again; ⑥ The loan that has gone through all the formalities shall be paid to the borrower by the loan undertaking bank according to the loan contract, and the loan funds shall be transferred to the personal account designated by the borrower and directly used to repay the original loan.
Three. Required information: ① ID cards and household registration books (or other valid residence certificates) of the borrower and the owner (both including spouses); (2) Legal and valid commercial housing sales contract, property certificate and payment voucher of purchase price in Chongqing; ③ Original loan contract and real estate mortgage loan contract; (4) Original loan repayment certificate (repayment schedule as of the current month issued by the original loan bank); (5) proof of income of the borrower and spouse; 6 proof of marital status of the borrower and the property owner (including single certificate). Two copies of the above materials are required (unified as A4 standard). When applying for and signing a contract, you only need a copy of the real estate license, and all other materials must be original for inspection. 20 12 February 22