Housing provident fund loans are divided into three aspects: commercial housing provident fund loans, second-hand housing provident fund loans, and unit-funded housing provident fund loans. What materials are needed to apply for these three provident fund loans?
1. Materials to be provided for applying for commercial housing provident fund loan
(1) The borrower and the original and photocopy of the borrower's resident ID card and household registration book (* * * with repayment and guarantor) and * * * with repayment commitment letter;
Public accumulation fund
(2) proof of marital status (if married, provide a copy of marriage certificate, and other information shall be issued by the unit or police station);
(3) Legal commercial housing purchase contract or agreement;
(4) Personal credit certificate provided by the borrower and the borrower's unit;
(5) Effective proof that the borrower has paid not less than 30% of the house purchase price;
(6) Effective guarantee certificate;
(7) The auction property of housing provident fund loan must be the property with mortgage agreement signed by the developer and the entrusted bank, and the borrower can go through the loan formalities through the mortgage bank.
2 second-hand housing provident fund loans should provide materials.
Second-hand housing management is based on the purchased housing as collateral, and the following information must be supplemented on the basis of providing the above information:
(1) Copy of the Seller's ID card and household registration book;
(2) The original and photocopy of the real estate license;
(3) An assessment report issued by an assessment agency recognized by the Provident Fund Management Center;
(4) Tripartite agreement between the intermediary agency recognized by the Provident Fund Management Center and the buyer and seller;
(five) mortgage registration shall be handled by the real estate transaction department at or above the district level.
Second-hand housing provident fund loans can be handled through the entrusted bank.
3 units to apply for housing provident fund loans should provide materials.
Units to raise funds to build houses shall be handled by the units in a centralized manner. When applying to the provident fund management center, the units shall provide the following information:
(1) Approval from the Development Planning Commission;
(2) State-owned land use certificate;
(3) Construction project planning permit;
(4) Construction land planning permit;
(five) the construction permit.
After the materials are approved, the provident fund management center and the fund-raising housing unit shall sign an agreement or guarantee contract in accordance with the relevant provisions of the Security Law.