First, you should submit an application to a commercial loan bank. Then receive the personal housing announcement fund lending folder, fill it out and submit it to the commercial lending bank. The following materials must also be submitted at the same time: the original and photocopy of the borrower's ID card and household registration book; Original and photocopy of unmarried certificate; Original and photocopy of house property right certificate and state-owned land use right certificate; The original "Housing Mortgage Loan Contract" for commercial loans and the purchase contract; A real estate appraisal report issued by a housing appraisal institution recognized by the provident fund management center; All lessees produce notarized written documents allowing mortgage; Information required by other provident fund management centers and banks.
Secondly, after submitting the materials, the bank will check the personal credit report of the lender and spouse. If it meets the requirements, the bank will conduct a preliminary examination in the personal provident fund system; After the first trial is passed, the bank needs to inform bridge loan people to apply for loan guarantee at the financing guarantee company with the material certificate, which at least includes the ID card, household registration book, two sets of housing certificates and the loan approval information confirmation form issued by the bank.
Third, at this point, the contract was signed. After obtaining the letter of guarantee from the financing guarantee company, the applicant for enterprise transfer to public service signs a loan contract and a mortgage contract with the provident fund management center, and the part of the enterprise loan that exceeds the upper limit of the individual provident fund loan is supplemented by self-raised funds.
Fourth, after the provident fund management center pays, the financing guarantee company will help you eliminate the mortgage procedures of commercial loans and mortgages and transfer them to the provident fund mortgage notice registration.
Second, the standards that should be met.
1. The lender who transfers the provident fund loan to everyone and the lender of the original commercial loan must be the same person, which means that you can't repay the loan by transferring the disguised property right of the commercial loan to others.
2. The normal repayment of the relevant original commercial loan is 65,438+0 years or more, and there is no loans overdue record provided by the lending bank. This time is not fixed, depending on how the original commercial loan bank stipulates, for example, it takes six months to build a bank, but HSBC seems to take three years.
3. When you apply for the transfer of provident fund loans, you must seek the permission of the original commercial loan bank;
4. Has obtained the house ownership certificate (or the house ownership certificate and the state-owned land use right certificate);
What is the most cost-effective down payment for buying a house? Under normal circumstances, in addition to factors such as real estate developers opening new houses, the down payment for house purchase is based on the total house price. The down payment formula is the product of the total house price and the down payment ratio, and the down payment ratio of different houses is different.
In order to curb the rising speed of housing prices in China, the corresponding current policies have been introduced. Relevant policy requirements: from June 2006 1, the down payment ratio of housing should be higher than 30%. Because there are still groups with relatively weak economic conditions in China, the down payment ratio of self-occupied housing with a total area of less than 90 square meters is required to be 20% of the total house price. This policy makes China have a good control over the purchase of houses. In addition, relevant policies have also been introduced for the purchase of other types of housing in China: the down payment ratio of the second suite is not less than 50%, and the non-general self-occupied housing is not less than 70%.
In China, the first set requires a down payment ratio of 30%, and the second suite is not less than 50%. That is to say, if the total price of the house purchased is 2 million yuan, if this is also the house of the first suite, then the buyer needs to pay a down payment of 600,000 yuan, and if this is also the second house, then the buyer needs to pay a down payment of 6,543,800 yuan. The down payment ratio of different properties is different, and its calculation method is also different. It is not that the down payment ratio of ordinary houses is very high, not less than 70%. In other words, a house with a market price of 2 million yuan needs to pay a down payment of 6.5438+0.4 million as an ordinary self-occupied house.