1, what are the steps to buy a house with a provident fund loan?

1. The borrower shall apply for a loan to the provident fund management center in accordance with the relevant provisions of the local provident fund loan, and provide the information required for the loan.

2 provident fund management center after receiving the application of the loan applicant, the borrower's qualification, loan amount, loan period, loan information and other information to review, put forward opinions.

3. After the preliminary examination of the provident fund management center, the bank that undertakes the provident fund loan will conduct a pre-loan credit investigation on the borrower. In other words, check the personal credit report of the loan applicant. After investigation, the loan bank puts forward opinions, fills in the Approval Form for Individual Housing Provident Fund Loans and Portfolio Loans, and sends it to relevant personnel for approval.

4. After the loan contract is signed, the borrower shall go through the insurance and mortgage registration formalities according to the regulations, and the expenses arising therefrom shall be borne by the borrower. Mortgage registration is handled in the local real estate registration center, and the house price is 80 yuan/set.

5. After confirming that the mortgage registration has been completed and the loan contract comes into effect, the loan undertaking bank will transfer the loan to the account designated by the borrower and the seller according to the date agreed in the contract, and send the loan receipt to the borrower.

2. Can the provident fund be paid monthly?

1. You can apply for a monthly provident fund loan.

2. Monthly repayment, that is, monthly repayment method, refers to the method of directly withdrawing from the customer's provident fund account every month to repay the loan principal and interest of the current month. When the amount of the withdrawn provident fund is insufficient, the customer should make up the repayment amount in time. This way can not only offset the principal and interest of provident fund loans, but also offset the principal and interest of commercial loans.

3. Note: If the customer chooses the one-time repayment method, he cannot choose the monthly repayment method, but only one of them. But if you want to change the repayment method in the future, customers only need to go to their own loan bank to change the repayment method.

Third, the housing provident fund loan application process

I. To apply for housing provident fund loans, the borrower shall submit a written application to the bank, fill in the Application Form for Housing Provident Fund Loans, and truthfully provide the following information:

(a) the applicant and his spouse's housing provident fund deposit certificate;

(2) Identity documents of the applicant and his spouse (referring to valid residence documents such as resident identity cards and household registration books) and proof of marital status;

(three) the family has a stable economic income and other proof of creditor's rights and debts that affect the repayment ability;

(4) Effective documents such as purchase contracts and agreements;

(5) List of collateral used for guarantee, certificate of ownership, certificate of consent of the disposing party to the collateral, and certificate of collateral evaluation issued by relevant departments;

How does the provident fund borrow money to buy a house

Now many people choose housing provident fund loans to buy a house, but for first-time buyers, they don't know much about this process. Then, let Bian Xiao share with you how the provident fund loans to buy a house. You can understand it and believe it can give some help.

First, how does the provident fund borrow money to buy a house

1. Preliminary review: The housing provident fund management department conducts a preliminary review of the information provided by the applicant, including the loan amount, the applicant's qualification and the loan time. After the first trial is passed, the notice of mortgage review and evaluation will be given.

2. Evaluation: The applicant obtains the notice of mortgage review and evaluation, and then goes to the designated evaluation agency to evaluate the purchased house. If you can afford it, there is no need to evaluate it.

3. Audit: The applicant carries the evaluation report and relevant materials of preliminary examination for loan audit. Meet the requirements, given the "housing fund management guarantee entrusted loan investigation notice".

4. Handling guarantee procedures: The applicant carries the Notice of Investigation on Entrusted Loan Guaranteed by Housing Provident Fund Management, and handles guarantee procedures according to the selected guarantee form. In the form of mortgage guarantee, the guarantor shall write a written guarantee; If it is in the form of mortgage and insurance, you need to go to the insurance company to handle the entrustment guarantee procedures.

5. Sign a loan contract.

6. The housing provident fund management department signs an entrusted loan agreement with the entrusted bank, and finally lends money.

Second, what should I pay attention to when buying a house with a provident fund loan?

1, the provident fund cannot be directly used as the down payment for buying a house. If you want to buy a house with a provident fund loan, you can pay the down payment directly in rainy days, and then take relevant information to the local provident fund management center to withdraw the balance of the provident fund before you can use it.

2. The total amount of provident fund withdrawal cannot exceed the total house price. If you have 400,000 yuan in your provident fund account, the total price of the house you bought is not 400,000 yuan, so you can't withdraw all of it.

3. After the provident fund loan is settled, you can use the provident fund to buy a house. If your loan is not paid off, you can't apply for a provident fund loan to buy a house; If you pay off the previous loan, you can apply for a provident fund loan to buy a house again, without restrictions.

Abstract: The above is the related content of how Bian Xiao shared the provident fund to borrow money to buy a house. Provident fund loans should be applied according to local policies, so as to be approved smoothly. You can learn more about it when applying for provident fund loans.

How to use provident fund money to buy a house loan

Speaking of buying a house with provident fund, the first thing that comes to mind is saving money. In fact, provident fund has unique advantages in this respect. So, how to use provident fund loans to buy a house? What are the benefits of buying a house with provident fund? Today, Bian Xiao will talk to you about the things used for provident fund.

First, how to use the provident fund money to buy a house?

1. Submit the provident fund loan application and the materials required for the loan;

2. Review the lender's information;

3, the loan undertaking bank to investigate and review the lender's credit;

4. Pass the examination and sign a provident fund loan contract;

5. Handling home insurance and mortgage loan procedures;

6. The formalities are complete, the loan contract takes effect, and the provident fund loan is disbursed.

Second, what are the benefits of using provident fund loans?

1, low interest rate

I believe everyone knows that the interest rate of provident fund loans is lower than that of commercial loans. In addition, there is another kind of loan, that is, portfolio loan, which is more cost-effective than commercial loan. The low interest rate of provident fund loans means that the total interest paid is low and the total cost of buying a house is lower, which is also the biggest advantage of provident fund loans. Therefore, friends who want to buy a house can first understand the conditions of provident fund loans in advance, inquire about the amount of personal provident fund, and be prepared to buy a house.

2. Flexible repayment

In addition to the interest rate advantage of loans, provident fund repayment is more flexible. If property buyers choose provident fund loans when buying a house, the borrower can determine the monthly repayment amount by himself, provided that the monthly repayment amount is not lower than the minimum repayment amount stipulated by the bank. In this way, the borrower can make a reasonable and feasible repayment plan according to his own economic strength, which is convenient for the borrower to arrange his monthly economic expenditure.

Summary: The above are all about how to use the provident fund money to buy a house loan. Buying a house with a provident fund loan can reduce a lot of economic pressure for buyers and let buyers have more funds to use flexibly in other aspects.