Provident fund loans can be used for self-built houses in rural areas, but it must be confirmed that the homestead land for rural house construction is in the name of the person or his spouse. If an employee purchases or builds a self-occupied house and applies for a housing provident fund loan, the following conditions must be met at the same time: 1.
. Continuously pay housing provident fund for the specified period of 6 months before the month of applying for a loan; 2. Pay for the purchase (construction) of a house with your own funds not less than the specified proportion, and be able to implement loan guarantees; 3. Have stable economic income and loan repayment
Ability, personal credit status is good; 4. The housing provident fund loan has not been incurred or has been paid off in full.
The following information needs to be provided: a construction project planning license or corresponding specification text from the construction planning department at or above the town level, and a complete set of housing (without loan or mortgage) including a residence owned by a third party as a mortgage ("Real Estate Price" issued by a guarantee agency).
Certification Certificate"), ID card, relationship certificate issued by the unit, provident fund card and other materials.
Extended information: Housing provident fund loan process: 1. Borrowing applicant consultation. The borrowing applicant goes to the loan handling department or calls the loan handling department for housing provident fund loan consultation and prepares housing provident fund loan related materials.
2. Preliminary review and evaluation: The borrower applicant shall bring the required materials for housing provident fund loan application to the loan handling department for preliminary review of the provident fund loan.
If a personal credit assessment of a loan applicant is required according to regulations, the borrower must sign the "Authorization Letter" for credit assessment under the supervision of the staff of the loan handling department.
The staff of the loan handling department prints relevant documents and informs the loan applicant how to handle the next step.
If it is necessary to evaluate the house purchased by the borrower applicant according to regulations, the staff of the loan handling department will also issue a "Collateral Assessment Notice" to the borrower applicant, and the borrower applicant or an agent shall go to the evaluation agency designated by the Housing Provident Fund Management Center.
Request a collateral appraisal.
3. The loan applicant waits for the telephone notification. The staff of the loan handling department will conduct a reexamination based on the materials required for the loan provided by the borrower and the evaluation results of the relevant institutions. After the guarantee review is passed, the staff of the guarantee center will notify the borrower to apply.
The time for signing the loan-related contract and the documents you need to bring.
4. The borrower applicant shall sign the relevant contract. According to the interview time notified by phone, the borrower applicant shall bring the materials required for the housing provident fund loan interview to the loan handling department to complete the signature procedures. For borrower applicants who need to pay evaluation fees and guarantee fees,
You must first go to the designated counter to pay the fee and receive an invoice.
The loan applicant and co-applicant, mortgagor and pledger complete the signing procedures of the "Loan Contract" and other relevant contract documents under the guidance of the staff of the loan handling department.
5. The bank lends money. The borrower waits for the bank to lend money and then go to the bank to collect the borrower's relevant contract documents.
6. Monthly repayment. The borrower shall repay the loan on a monthly basis in accordance with the provisions of the "Loan Contract".