Application conditions of individual housing provident fund
1. Have a local account or other valid residence documents/certificates;
2. The on-the-job unit implements the housing provident fund system, and the individual employees have continuously paid the provident fund for more than half a year, and the accumulated payment time must reach one year;
3. The funds raised by individuals need to reach at least 30% of the house price (20% in some areas, depending on local regulations);
4. The applicant should have a stable source of income and the ability to repay loans and interest;
5. The applicant has signed a house purchase agreement;
6. The applicant agrees to handle the loan guarantee business to reduce the risk that the bank cannot recover the money.
How to handle individual housing accumulation fund?
1. Lenders applying for housing provident fund loans need to submit a written application to the bank, fill in the housing provident fund loan application form and truthfully provide the following information:
(a) the applicant and spouse housing provident fund deposit certificate;
(2) the identity certificate of the applicant and spouse (referring to the valid residence certificate such as resident ID card and household registration book) and the proof of marital status;
(3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;
(four) the purchase of housing contracts, agreements and other valid documents;
(5) List of collateral, pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of collateral valuation issued by relevant departments;
(VI) The Provident Fund Center requires a third-party guarantor to provide a guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * * sign a tripartite contract.
(seven) other information required by the provident fund center.
Introduction of relevant precautions
1. The bank accepts and reviews the loan application with complete information in time and submits it to the provident fund center in time.
2, provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results.
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.
After Bian Xiao's introduction, everyone has introduced the application conditions of individual housing provident fund and the specific process of individual housing provident fund loans, so everyone should know more about these knowledge. After doing housing provident fund loans, I am familiar with some processes in this regard. Housing provident fund loans have many advantages, compared with commercial loans, but not every unit has housing provident fund, so everyone must try to find a place with five insurances and one gold.