What are the loan conditions of Beijing Provident Fund in 215?
in p>215, what are the conditions for applying for Beijing provident fund loan? Today xiaobian answers for everyone.
The loan applicant who applies for housing provident fund loan from Beijing Housing Provident Fund Management Center must meet one of the following two conditions:
1. The loan applicant must establish a housing provident fund account for more than 12 months (inclusive), and at the same time pay the housing provident fund in full for more than 12 months (normal payment includes continuous monthly payment, prepayment and supplementary housing provident fund), and when applying for a loan, With the approval of the center, the employees of the units in deferred payment status can apply for loans if they have established housing provident fund accounts for more than 12 months (inclusive) and paid housing provident fund in full for more than 12 months (inclusive).
what are the loan conditions of Beijing provident fund in p>215?
2. The loan applicant is a retired employee who paid the housing provident fund during his employment.
if you meet one of the above conditions, you are eligible for the "housing provident fund loan". Loan applicants who purchase policy-oriented housing are not subject to the time limit for the deposit of Beijing housing provident fund. The loan applicant can apply for a housing provident fund loan only if he meets the conditions of establishing a housing provident fund account and being in the state of deposit.
The interest rate of provident fund loans is more favorable than that of commercial loans, which has also become one of the reasons why buyers choose provident fund loans. However, not everyone can apply for provident fund loans.
Detailed explanation of the process of handling Beijing provident fund loans:
1. Lenders need to apply for housing provident fund loans in the bank in writing, fill in the application form for housing provident fund loans and truthfully provide the following information:
(1) Proof of the applicant's and spouse's housing provident fund deposit;
(2) the identity certificate of the applicant and spouse (referring to the resident identity card, permanent residence booklet and other valid residence documents) and the marital status certificate;
(3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;
(4) valid documents such as contracts and agreements for housing purchase;
(5) Collateral used for guarantee, list of pledge, certificate of ownership, certificate of consent of the person who has the right to dispose of mortgage and pledge, and certificate of collateral valuation issued by relevant departments;
what are the loan conditions of Beijing provident fund in p>215?
(6) other information required by the provident fund center.
2. The bank accepts and examines the loan application with complete information in time and submits it to the provident fund center in time.
3. the provident fund center is responsible for approving loans and informing banks of the approval results in time.
4. The bank informs the applicant to go through the loan formalities according to the results of the examination and approval by 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 formalities to the provident fund center for review. After the approval by the provident fund center, the entrusted fund will be allocated, and the entrusted bank will issue the loan in full and on time according to the loan contract.
5. In case of mortgage, the borrower shall go through the mortgage registration formalities with the property right management department in the area 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 Union Center for custody.
Beijing provident fund housing purchase process:
(1) Borrowers need to submit a written application to the Municipal Housing Provident Fund Management Center to fill in the application form for housing provident fund loans and provide relevant information truthfully.
what are the loan conditions of Beijing provident fund in p>215?
(2) The municipal housing provident fund management center is responsible for reviewing the borrower's qualification, guarantor's qualification, loan amount and loan term, and after the contract is filled in and agreed, the borrower and the center sign relevant contracts or agreements, and handle insurance according to the regulations of the People's Bank of China.
(3) after the loan formalities are completed, the municipal housing provident fund management center will issue a loan approval notice to the bank, and the bank will handle the loan after receiving the loan notice and transfer the loan to the designated account opened by the developer in the bank.
(The above answer was issued on July 3, 215, and the current relevant housing purchase policy should be based on the actual situation)
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