First of all, let's look at what documents are needed for provident fund loans.
1. Original ID card, marriage certificate and household registration book of the borrower (and spouse). The borrower needs to bring the divorce certificate, divorce agreement or the original court judgment when divorcing.
2. The borrower needs to print the original details of the credit report to the local credit reporting department within 30 days. Please note here that before preparing the loan, the credit card cannot be overdue, and the credit report should be normal before the next step can be smoothly carried out.
3. The borrower (and spouse) can go to the local real estate center (real estate office) to check the original personal housing information, as well as the housing certificate of the place of work and domicile. The second certificate is also valid for 30 days.
4. If you buy a first-hand house, the simple understanding is that the house purchased from the developer needs the developer to provide the purchase price of the purchased house. If it is a second-hand house, you need to provide the purchased second-hand house ticket or a copy of the house ticket.
These are all materials needed for housing provident fund loans. Here are a few points worth noting. First of all, some certificates are only valid for 30 days. If it takes more than 30 days, it needs to start with the heart. Secondly, whether there are other property rights under the name of the individual and whether the purchased house belongs to the second suite.
Secondly, let's take a look at what processes need to be taken.
Sign a contract with the developer first, and then go to the relevant department of the housing provident fund institution for review and seal. After stamping, go to the bank for a savings card and ask the relevant person in charge of the bank to sign it. What needs attention here is the specific choice of the bank, whether the bank negotiates with the developer or the provident fund. After this step is completed, the general provident fund staff will tell the borrower to get the signature of the person in charge of the relevant department of the bank. There are two choices in the region, one is Agricultural Bank and the other is China Construction Bank.
After the bank is closed, if it is a first-hand house, contact the developer quickly. The developer will inform you when to go to the property for mortgage registration. If it is a second-hand house, wait for the notice of the provident fund staff to go to the property office for mortgage registration. After the mortgage registration is completed, you can wait for the provident fund loan.
Finally, is it safe to buy a house in the last two years?
House prices have fluctuated in the past two years. Many people are worried about whether the house price will plummet after buying a house, so most people hold a wait-and-see attitude. Whether it is safe or not depends on personal needs.
If you just need, get married, provide for the aged, have a school district, and have absolute demand in a short time, then whether it is safe or not is not so important. After all, I kept it for myself, not for real estate speculation. It doesn't matter when I buy it. If it is not just needed, try not to invest in real estate in recent years, because the dividend period of real estate has passed, and now it can enter the market again. I believe that no one can see the future.
However, I believe that house prices will not collapse easily. After all, it involves 80% of the assets of ordinary people. Although the real estate industry has continued to cool down in the past two years, the state is also introducing policies to actively regulate and control, which has triggered the healthy development of the real estate industry. What the state advocates is not speculation, nor is it to suppress housing prices. After all, behind the real estate, many industries are involved. While stimulating the internal circulation of the economy, real estate plays a leading role.
At the end of the article, I will give you a little skill in choosing a house. Instead of buying a tall, big and tall house in the outer suburbs, it is better to buy an old, shabby and small house in the urban area, so that the property bought in the future can improve the rate of preservation. What do you think of this? Feel free to exchange comments.
Related questions and answers: What is the interest rate of provident fund loans to buy a house? 1. What's the interest rate for housing with provident fund loans?
Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans. The interest rate of provident fund loans for more than five years is 3.25%, the monthly interest rate is 3.25%/ 12, and the interest rate of provident fund loans for less than five years is 2.75% per year, which is consistent throughout the country.
Second, what is the process of provident fund loans?
1. Lenders need to submit a written application to the bank to apply for housing provident fund loans, fill in the housing provident fund loan application form and truthfully provide the required information;
2. For the loan application with complete information, the bank will accept the review in time and submit it to the Shanghai Provident Fund Center in time; Shanghai Provident Fund Center is responsible for approving loans and informing banks of the approval results in a timely manner;
3. 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.
4. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.
3. What are the requirements for applying for provident fund loans?
1. 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.
2. If you participate in the housing provident fund system, you must also meet the following conditions to apply for a housing provident fund personal housing loan: that is, you must pay the housing provident fund continuously for not less than 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. 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.
To sum up, China's provident fund loan policies are frequent. At present, the latest interest rate of provident fund loans to buy a house is divided into two grades, 3.25% for more than five years and 2.75% for less than five years. This interest rate level is already very low. Property buyers applying for provident fund loans must meet certain conditions, mainly including continuous payment for more than half a year and holding a local account or residence permit.