Provident fund loans need policy consultation, application acceptance, real estate company seal, repayment method implementation, mortgage registration, bank loan notice, and personal information. Only after the loan is completed can the loan be successful.
The specific steps of provident fund loans are as follows:
1, policy consultation
Workers who have paid the housing provident fund can consult Shanghai Housing Property Guarantee Co., Ltd. (hereinafter referred to as the guarantee company) to learn about the object, conditions and procedures of the secured loan, as well as the amount, term and interest rate of the main loan. At the same time, I can check the payment of my housing provident fund with my ID card and personal provident fund account number to determine whether it meets the loan guarantee conditions and the maximum and minimum loan guarantee period. When the borrower applies for a loan, the guarantee company will provide the Application for Personal Housing Provident Fund Guaranteed Loan for the borrower to fill in.
2. Application acceptance
If the loan applicant provides relevant information, and the guarantee company meets the conditions of the secured loan in the first instance, the loan applicant will pay the fee according to the list of fees by the guarantee company's "Personal Housing Provident Fund Housing Guarantee Loan Acceptance Form" and sign the "Personal Housing Provident Fund Housing Guarantee Loan Contract".
3. Seal of real estate company
The borrower requires the real estate company to seal the loan contract for individual housing provident fund purchase guarantee, and the real estate company provides phased guarantee.
4. Implement repayment methods
The borrower shall go to the loan bank to handle the repayment account with his ID card. If he has a credit card, he shall go to the bank to confirm the credit card repayment and sign an entrusted repayment agreement.
5. Apply for mortgage registration
The loan applicant holds relevant materials to go through the mortgage registration formalities at the county real estate trading center where the purchased house is located.
Step 6 notify the bank of the loan
The loan applicant shall submit relevant materials to the guarantee company with the certificate of completing the mortgage registration procedures and the "Personal Housing Provident Fund Purchase Guarantee Loan Contract" promised by both parties. After the guarantee company is approved, it will issue a loan notice to the lending bank to inform it to lend money.
7. Access to personal data
After all the formalities are completed, the guarantee company informs the borrower to receive the personal custody information.
In view of the misunderstanding of many property buyers in the use of provident fund loans, financial experts pointed out that provident fund loans will not set a fixed repayment amount like commercial loans, but will only require lenders not to be lower than a certain "minimum repayment amount" when repaying.
Second, housing provident fund loans, how to deal with provident fund loans?
I believe everyone should be familiar with the housing provident fund. Even if it has not been paid for many years, it has been paid for several months, but do you know that housing provident fund can be loaned? If so, how should the housing provident fund loan be handled? If you don't know the answer to the question, come with me.
1. Can the housing provident fund be loaned? Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees. Housing provident fund loans refer to housing mortgage loans issued by local housing provident fund management centers to on-the-job employees who paid housing provident fund and retired employees who paid housing provident fund during their employment. It can be seen that the housing provident fund can apply for loans, but it can only be used for employees to buy, build, renovate and overhaul their own houses. The main types of provident fund loans are new housing loans, second-hand housing loans, self-built housing loans, housing decoration loans, commercial housing loans to provident fund loans and so on. But it should be noted that not all provident fund centers can handle these types of loans. Second, how to apply for housing provident fund loans? 1. The borrower who submits the application shall submit a written application for housing provident fund loan to the housing provident fund management center, and truthfully fill in the Application Form for Housing Provident Fund Loan and related materials, such as: personal ID card, marriage certificate, income certificate of the applicant and spouse, original legal purchase contract, stamp of the applicant and spouse, etc. 2. Audit data The Housing Provident Fund Management Center will audit the borrower's information, including the borrower's qualification, loan amount and term. After the approval, the management center will issue relevant certificates for agreeing to the loan. 3. If the borrower who signed the contract is approved by the housing provident fund management department, he can sign a loan contract and a guarantee contract with the loan bank, and handle mortgage registration, insurance, notarization and other related procedures. 4. The bank issuing the loan shall transfer the loan to the bank account designated by the borrower in one time or several times according to the loan contract. 5. Repayment on time The borrower opens a repayment account in the loan bank and repays the loan principal and interest on schedule according to the repayment method and repayment plan agreed in the loan contract. 6. After the cancellation of the mortgage loan is settled, the borrower obtains the Loan Settlement Certificate from the loan bank, retrieves the mortgage registration certificate and the original insurance policy, and goes through the mortgage registration cancellation formalities at the original mortgage registration department.
Three, housing provident fund loans how to handle the provident fund loan process
In China, housing loans are divided into provident fund loans and commercial loans. According to the repayment method, it can be divided into two types: equal principal and interest repayment method and average capital repayment method. How to run a real estate enterprise
Housing accumulation fund refers to state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions and their housing savings. According to the regulations, all employees who have paid the provident fund have the relevant provisions to enjoy such provident fund loans. The following will explain how to make provident fund loans for you.
Provident fund loan conditions
The requirements for housing provident fund loans in cities are roughly the same.
1, employees with permanent residence or valid residence identification within the administrative area of this Municipality;
2. At the time of application, the housing provident fund has been normally paid for more than one year to pay the down payment for the purchase of the house, and there is no balance of the provident fund loan;
3. There is a contract or agreement for the purchase of housing, and the down payment amount is not less than the value of the purchased housing.
4. Have a relatively stable occupational and economic income and have the corresponding loan repayment ability, a
5. Take the assets recognized by the provident fund center as collateral or pledge, or take a unit with sufficient compensatory capacity as guarantor;
6, other conditions stipulated by the provident fund center. How to handle housing provident fund loans in other cities, you can consult the local provident fund management departments.
Provident Fund loan process
1. When applying for housing provident fund loan, the lender needs to fill in the Application Form for Housing Provident Fund Loan 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;
(three) proof of creditor's rights and debts that have an impact on the family's stable economic ability;
(four) the mortgage appraisal certificate issued by the contract, agreement and other valid documents for the purchase of the house;
(six) other information required by the provident fund center.
2 for the loan application with complete information, send it to the provident fund center.
3, provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results.
4. According to the loan procedure in the provident fund, the borrower and his wife sign a loan contract with the bank and send it to the provident fund center for review. After the approval of the provident fund center, the entrusted loan funds will be allocated and loans will be issued.
5. To live in the area where the house is located, the mortgage contract or agreement shall be signed by both husband and wife and managed by the borrower.
(The above answer is published in Room 20 policy, please be practical. )
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