First, Shanghai Housing Guarantee Co., Ltd. handles provident fund loans at various acceptance outlets. If it is a portfolio loan (commercial and provident fund), it is ok to borrow directly from commercial banks.
Second, how to use the Shanghai provident fund loan to buy a house?
Eight, how to apply for provident fund loans for the purchase of second-hand houses A: Step one, the applicant holds a notarized second-hand housing sales contract to the housing provident fund management center (hereinafter referred to as the center) to receive the loan application form; Step 2: The applicant takes ID card, household registration book, completed loan application form, house sales contract, transferred house ownership certificate, evaluation report and other materials to the center to review the loan amount and calculate the payable expenses; Step 3: After on-site house inspection by the center staff, the applicant who agrees to apply for a loan shall submit the following materials to the center: 4 copies of the borrower's ID card, household registration book 1 copy, loan application form, house sales contract 1 copy, 2 copies of the appraisal report, 2 copies of the ownership certificate of the transferred house, and tax-paid invoice 1 copy, and pay the relevant fees (guarantee fee Step 4, the applicant withdraws money from the central bank window on the specified date and receives the receipt. 9. How to apply for provident fund loan for purchasing commercial housing A: Step 1, the applicant takes the commercial housing sales contract or loan contact form to the housing provident fund management center (hereinafter referred to as the center) to receive the loan application form; Step 2: The applicant takes the ID card of himself and the auxiliary borrower, the household registration book (marriage certificate is required if the household registration books are not together), the commercial housing sales contract and the completed loan application form to the center to review the loan amount and calculate the payable expenses; Step 3: The applicant shall submit the following materials to the center: loan application form, original house purchase and sales contract, 4 original house purchase and sales contracts, house purchase and sales approval, 6 maintenance fund receipts, 3 house payment receipts (receipt amount = total house payment-loan amount), 4 ID cards of the purchaser, 0 copies of spouse ID card, 0 copies of husband and wife household register, and pay relevant fees. Step 4, the applicant withdraws money from the central bank window on the specified date and receives the receipt. X. How to apply for a portfolio loan when purchasing a commercial house A: Step 1, the applicant takes the commercial house sales contract or loan contact form to the housing provident fund management center (hereinafter referred to as the center) to receive the loan application form; Step 2, the applicant takes the ID card of himself and the auxiliary borrower, the household registration book (marriage certificate is required if the household registration books are not together), the commercial housing sales contract and the completed loan application form to the center to review the loan amount, issue a combined loan contact form and calculate the payable fees; Step 3, the applicant goes to the designated commercial bank to handle the commercial loan formalities with the combined loan contact form; Step 4: The lender returns to the center after completing the commercial loan procedures, and submits the following materials: loan application form, original house purchase and sales contract, 4 original house purchase and sales contracts, house purchase approval, sixth copy of maintenance fund receipt, 3 house payment receipts (receipt amount = total house payment-loan amount), 4 ID cards of buyers, spouse ID card 1 copy, and husband and wife household register/kloc-0. 1 copy of the combined loan contact form and its copy, and sign the loan contract after paying the insurance premium or guarantee fee, deed tax, mortgage registration fee and agency fee. Step 5, the applicant withdraws money from the central agent bank window on the specified date and receives the receipt.
Third, Shanghai provident fund loans to buy a house.
Legal subjectivity: The process of handling provident fund loans in Shanghai is that employees submit valid certificates and materials, go to the business outlets of provident fund loan trustees in this city for review, sign provident fund loan contracts, applicants and sellers go through the formalities of transfer and mortgage registration at real estate registration centers at all levels in this city, and after obtaining the property ownership certificate and mortgage certificate, the accepting institution conducts loan review, and the bank issues loans. The following is a detailed answer to the questions about the handling process of Shanghai provident fund loans by Bian Xiao. 1. How to get a loan from Shanghai Provident Fund 1? Employees shall submit valid certificates and materials to the business outlets of the city's provident fund loan trustee for handling and auditing. 2. Sign the provident fund loan contract. 3. The applicant and the house seller shall go through the formalities of transfer and mortgage registration at the real estate registration centers at all levels in this Municipality. 4. After obtaining the house property certificate and mortgage certificate, the accepting institution conducts the loan review. 5. Banks issue loans. II. The application materials for the Shanghai Provident Fund loan are complete, conform to the statutory form and meet the loan conditions. 3. The processing time of Shanghai Provident Fund loan is from Monday to Saturday, from 09:00 am to1:30 am and from 13:00 pm to 17:00 pm (except for legal holidays, the business hours of commercial bank outlets shall be subject to the information published by official website. ) 4. Shanghai provident fund loans shall be handled in accordance with the Administrative Measures of Shanghai Municipality on Housing Provident Fund Individual Housing Loans (Shanghai Provident Fund Management Committee [2065438+07] No.8). Article 9 The objects of provident fund loans are employees who normally deposit housing provident fund, including individual industrial and commercial households and their employees who deposit housing provident fund in this Municipality, part-time employees and other flexible employees (hereinafter referred to as individual depositors), and outside the city. Article 10 A borrower shall meet the following conditions at the same time: (1) Meet the conditions stipulated by the state and this Municipality's real estate control policies; (2) Having full capacity for civil conduct; (3) Having paid a down payment of not less than the prescribed proportion; (4) At present, the housing provident fund has been paid in full and continuously according to the specified number of years, and there is no agreement to withdraw the housing provident fund (including but not limited to the repayment agreement of the housing provident fund, the agreement to withdraw the housing provident fund to pay the rent and other agreements to withdraw the housing consumption, etc.). ); (5) Having a good credit record and willingness to repay; (6) It has a stable and legal source of economic income and the ability to repay the principal and interest of the loan, and the borrower's family has no outstanding housing provident fund debts or other debts that may affect the repayment of provident fund loans; (seven) must be the owner of the purchase, construction, renovation and overhaul of urban housing and can provide relevant contracts or documents, identity certificates, down payment certificates and other materials that meet the requirements; The purpose of the loan is to purchase houses, and the houses purchased must be owner-occupied houses with ownership in this city; (eight) to provide a guarantee method approved by the municipal provident fund center; (nine) meet other conditions stipulated by the Municipal Provident Fund Management Committee. The proportion and time limit of down payment stipulated in items (3) and (4) of the preceding paragraph shall be formulated and promulgated by the Municipal Provident Fund Management Committee. To apply for provident fund loans, you need to meet the period of continuous payment for 6 months. You need to apply for provident fund loans in any area. If you don't pay for six months in a row, you are not eligible for a loan. I hope the above content can help you. If you have other legal problems, you can consult online.
Legal objectivity: In case of any of the following circumstances, employees in the Regulations on the Management of Housing Provident Fund can withdraw the storage balance in the housing provident fund account: 1, purchase, build, renovate or overhaul their own houses; 2. Retired; 3, completely lose the ability to work, and terminate the labor relationship with the unit; 4. Go abroad to settle down; 5. Repay the principal and interest of the owner-occupied housing loan; 6. renting a house for self-occupation; (Employees and their spouses who have no own houses in Beijing and rent public rental houses or commercial houses can withdraw the housing provident fund to pay the rent. ) 7, life is difficult, is receiving urban subsistence allowances; 8. Encountering unexpected events, causing serious difficulties in family life; 9, migrant workers and units to terminate the labor relationship; 10, has been sentenced, sentenced or reached the national legal retirement age at the expiration of his term of office; 1 1, dead or declared dead; If an employee withdraws the housing provident fund in accordance with Article 4 of these Measures (1, 5, 6, 7 and 8), his spouse may withdraw the housing provident fund from his account at the same time.
Four. 202 1 Shanghai provident fund loan process?
1. The borrower can submit a written loan application and related materials to the loan bank, which will submit it to the housing provident fund management department for approval, or directly apply to the housing provident fund management department for approval.
2, approved by the housing provident fund management department of the borrower, and the loan bank signed a loan contract and guarantee contract, mortgage registration, insurance, notarization and other related procedures.
3. According to the loan contract, the loan bank will transfer the loan to the special account for selling houses set up by the developer in the loan bank or directly to the deposit account opened by the borrower in the loan bank.
4. 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.
5. After the 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.