With the rise of loans to buy a house, buying a house has become less difficult, especially using personal housing provident fund loans to buy a house has many advantages over ordinary commercial loans. Then, how to use personal housing provident fund loans to buy a house?

1, first trial

The housing provident fund management center conducts a preliminary examination of the materials submitted by the applicant, including the applicant's qualification, loan amount, loan period, etc. After passing the preliminary examination, the center will issue the Notice of Collateral Audit and Evaluation;

2. Institutional evaluation

The applicant holds the Notice of Collateral Examination and Evaluation to the appraisal institution designated by the Center to appraise the value of the purchased house. Affordable housing does not need to be evaluated;

3. Loan review

The applicant holds the evaluation report issued by the evaluation agency and the preliminary examination materials required by the center to the center for loan review. Qualified, the center issued the "housing provident fund management center entrusted loan investigation notice";

4. Go through the guarantee formalities

The applicant holds the "Notice of Investigation on Entrusted Loan Guaranteed by Housing Provident Fund Management Center" and goes through the guarantee formalities according to the guarantee method he chooses. If mortgage guarantee is selected, the guarantor shall issue a written guarantee; If you choose mortgage insurance or third-party guarantee, you should apply for insurance in an insurance company or go through the formalities of entrusted guarantee in a guarantee institution;

5. Sign a loan contract

After all the above steps are completed, you can sign a personal housing provident fund loan contract with the bank.

How to apply for provident fund loans? 20 16 detailed explanation of the process of handling provident fund loans

When it comes to buying a house with provident fund loans, we must first find out what your personal provident fund loan amount is, and determine it according to four conditions: repayment ability, proportion to house price, balance of housing provident fund account and maximum loan amount. The minimum value calculated by the four conditions is the maximum loanable amount of the borrower. Let's talk about the detailed process of handling provident fund loans on 20 16.

How to apply for provident fund loans?

Conditions for applying for provident fund loans

1, the identity is legal and valid.

2. Have full capacity for civil conduct.

3. Have a stable occupation and income, good credit status and the ability to repay the principal and interest of the loan.

4, purchase, construction, renovation, overhaul occupied housing

5, with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related documents.

6. Provide customer-recognized guarantee.

7. The borrower and his wife have no outstanding housing provident fund loans and housing provident fund policy discount loans.

Provident fund loan processing flow

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

(two) the identity certificate of the applicant and his spouse (referring to the valid residence certificate such as resident identity card and permanent residence booklet) 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 mortgaged property and pledged property, certificate of ownership, certificate of consent of the person who has the right to dispose of it, and certificate of mortgaged property 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.

2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time.

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. 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.

5. 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.

Finally, I would like to remind everyone that qualified buyers can consider portfolio loans, that is, the combination of provident fund loans and commercial loans to save money to the maximum extent.

20 16 Ningbo housing provident fund loan process

Ningbo provident fund brings us more and more benefits, and provident fund loans are also loved by people. When the amount of provident fund reaches a certain level, as long as the depositor has the corresponding conditions, he can buy a house and repay the loan through Ningbo provident fund loan. Next, let's introduce the process of your provident fund loan.

Ningbo provident fund loan process is as follows:

1. The borrower applies to the management center or the entrusted bank; Where the place of purchase is inconsistent with the place where the borrower's provident fund is deposited (only within the administrative area of this Municipality), an application shall be submitted to the deposit management center.

2. The management center or the entrusted bank accepts the borrower's loan application, and the borrower truthfully fills in the loan application form and submits the relevant materials for the provident fund loan.

3. After filling in the application form, the management center or the entrusted bank shall implement an interview system for the borrower on loan-related matters and form an interview record.

4. After accepting the applicant's loan application, the management center will make a decision on whether to grant the loan within 10 working days. Under special circumstances, with the approval of the leadership of the management center, it can be extended for 5 working days, and the management center or the entrusted bank will notify the borrower.

5. The signing of the loan contract. The borrower, the management center and the entrusted bank shall sign a written loan contract, or the management center entrusts the entrusted bank to sign a written loan contract with the borrower.

What are the provident fund loan procedures for buying a house?

The purchase process of provident fund loan is detailed as follows:

1, first trial

The housing provident fund management center conducts a preliminary examination of the materials submitted by the applicant, including the applicant's qualification, loan amount, loan period, etc. After passing the preliminary examination, the center will issue the Notice of Collateral Review and Evaluation.

Step 2 evaluate

The applicant holds the Notice of Collateral Examination and Evaluation to the appraisal institution designated by the Center to appraise the value of the purchased house. Affordable housing does not need to be evaluated.

Step 3 review

The applicant holds the evaluation report issued by the evaluation agency and the preliminary examination materials required by the center to the center for loan review. Meet the conditions, the center issued the "housing provident fund management center entrusted loan investigation notice".

4. Go through the guarantee formalities

The applicant holds the "Notice of Investigation on Entrusted Loan Guaranteed by Housing Provident Fund Management Center" and goes through the guarantee formalities according to the guarantee method he chooses. If mortgage guarantee is selected, the guarantor shall issue a written guarantee; If you choose mortgage insurance or third-party guarantee, you should apply for insurance in an insurance company or go through the formalities of entrusted guarantee in a guarantee institution.

5. Sign a loan contract

6, housing fund management center and the entrusted bank signed a loan agreement.

7, the borrower directly to the housing fund management center to apply for loans, the entrusted industry can collect the borrower's application materials according to the need, unified housing fund management center for approval.

8 housing fund management center approved the amount, duration and interest rate of each loan, and signed an entrusted loan contract with the entrusted bank.

9. According to the entrusted loan contract, the entrusted bank shall go through the loan procedures after signing the Mortgage Contract for Housing Provident Fund Entrusted Loan, the Pledge Contract for Housing Provident Fund Entrusted Loan and the Guarantee Contract for Housing Provident Fund Entrusted Loan with the borrower respectively.

10. The entrusted bank directly transfers the loan to the designated account opened by the seller in the entrusted bank.

Extended data:

Matters needing attention in buying a house with provident fund loan:

1. Before applying for provident fund loans, you must correctly evaluate your ability to purchase loans and make full preparations. There are some differences between provident fund loans and commercial loans. We must be clear about the requirements for applying for provident fund loans in advance, choose the types of individual housing loans, and the most important thing is to fully evaluate our repayment ability and repay in full as agreed.

2. Prepare loan materials, whether it is commercial housing or second-hand housing, or the unit raises funds to build a house. Find out what materials are needed and prepare them as required. Applicants may wish to make a list and prepare them one by one to avoid confusion.

3. The amount of provident fund loans cannot exceed the upper limit, and the total withdrawal cannot exceed the total amount of real estate. Moreover, the balance of the provident fund account cannot be used for the down payment of house purchase. If the amount of the provident fund loan is not enough to pay the house price, there is no need to give up the provident fund loan in a hurry. After the use of provident fund loans, the remaining housing prices can also use commercial loans.