During the period of buying a house, many people will consider provident fund loans, because the loan interest rate is relatively low and it is easier to apply. However, most people have limited experience in buying houses and do not understand the requirements and basic conditions of provident fund loans, so they will miss many important steps when applying, which will affect the loan results. During the period of buying a house, many people will consider provident fund loans, because the loan interest rate is relatively low and it is easier to apply. However, most people have limited experience in buying houses and do not understand the requirements and basic conditions of provident fund loans, so they will miss many important steps when applying, which will affect the loan results. In order to avoid these situations, we can see when the provident fund loan can get the real estate license, the conditions of the provident fund loan, and understand the basic provident fund loan.

When can I get the real estate license for the provident fund loan?

It usually takes one or two months for a provident fund loan to get a real estate license. Individuals apply for a real estate license:

1. Confirm that the developer has registered initially.

Initial registration of developers is a necessary prerequisite for their own real estate license. It usually takes about 20 to 60 days for the competent department to handle the initial registration. Therefore, 2-3 months after repossession, you can ask the developer about the initial registration, and stipulate it in the purchase contract, or you can go to the local real estate transaction information website to inquire.

2, to the management department to receive and fill in the "housing (land) ownership registration application form".

After the application form of prospective owner is filled out, the developer needs to sign and seal it. Some developers will have ready-made stamp forms in their hands, and just go to the developers to get them and fill them out. You can ask the developer in advance in which department the real estate license should be handled, and then directly consult the department, saving the pain of running around.

3, the necessary material mapping (table)

Surveying and mapping table is an important basis for the registration department to determine the area marked on the real estate license, which can be obtained in three ways: opening a business office (with ID card); Housing area measuring station designated by the developer; Or apply to the registration department for surveying and mapping the housing area.

4. Get relevant documents

Collect the necessary application documents, including the purchase contract, the house settlement form and the copy of the real estate license. The completed application form needs to be reviewed and sealed by the developer.

5. Payment of public maintenance fund and deed tax shall be made to the community office in the area where the real estate is located or the designated collecting bank. As a necessary document for handling the real estate license, the payment voucher must be kept after payment. Once lost, it will affect the acquisition of real estate license.

Provident fund loan conditions

Applicants applying for housing provident fund loans and owners of mortgaged houses must be 18 years old natural persons with full civil capacity. At the same time, the following necessary conditions must be met:

1. Requirements for deposit status. Housing provident fund 12 months has been paid normally in any city of Dongguan, Guangzhou, Foshan, Zhuhai, Huizhou, Jiangmen, Zhongshan and Zhaoqing, and there is no unpaid, missed, overdue or sealed situation.

Employees who have paid the housing provident fund in Guangzhou, Foshan, Zhuhai, Huizhou, Jiangmen, Zhongshan and Zhaoqing apply for loans when they buy their own houses in Dongguan. In addition to the deposit and loan certificate of housing provident fund, the commitment to suspend the withdrawal of housing provident fund, and the details of housing provident fund deposit in the past year, the applicant should also provide any of the following certificates: 1, Dongguan household registration certificate; 2. Single employees provide proof of social insurance payment in Dongguan in recent 1 year, and the social insurance payment unit and the housing provident fund deposit unit are the same legal entity; 3. Married employees provide proof that their spouses have been in Dongguan 1 year or more.

B, credit status requirements. The number of individual loan periods in the applicant's personal credit report does not exceed 3 (inclusive), which shall be paid by the applicant and his spouse.

(2) Restricting loan conditions or refusing loans.

A. Individual housing loans (including housing provident fund loans or commercial loans) that have accumulated more than 10 times and have not been settled for less than two years will not be issued.

B. When employees apply for housing provident fund loans, they conceal or lie about their marital status, immediate family members, purchase behavior, housing quantity, etc. , and will not lend within 5 years from the date of being recognized.

C. If the extraction conditions are fictitious, or the housing accumulation fund is extracted with forged information, the loan will not be granted within 5 years from the date when the act is recognized.

D, buy? Double room? 、? Play multiple rooms? Application for housing provident fund loans must be truthfully declared, and loans will not be granted without declaration.

When can I get the answer to the real estate license and provident fund loan conditions? I believe you can get the basic information faster after reading it. In fact, when making provident fund loans, many people will be very concerned about the loan interest rates and loan conditions of these methods. If you choose some bad loan methods, it may affect your expenses and waste a lot of money.