1. The borrower submits personal application materials to the bank window of the loan service hall, which will be accepted and reviewed by the bank, and then submitted to the center for review.
2, the center for examination and approval, agreed to loan, guarantee company review, go through the guarantee formalities, pay the guarantee fee.
3. The borrower returns to the bank window to sign the loan contract, go through the notarization formalities at the notarization window and pay the notarization fee.
4. Wait for the bank's notice, get the loan contract and loan voucher, and start repayment according to the contract.
First, make full use of the provident fund loan amount.
Provident fund loan is a preferential loan policy supported by the state. As long as the loan conditions are met, the provident fund loan amount should be used as much as possible. From the perspective of investment and financial management, loans to buy a house should maximize the use of provident fund loans. After 20 12, some cities relaxed the conditions of provident fund loans, and lenders should pay close attention to the changes of relevant local policies in time.
Second, use the service life of the provident fund.
Because the interest rate of provident fund loans is lower than that of commercial loans, it is necessary to reasonably set a longer term of provident fund loans and a shorter term of commercial loans in portfolio loans. If the husband and wife are about the same age, the husband can be a lender and apply for a loan for a longer time; If there is a big age gap between husband and wife, let the younger one be the lender and apply for a provident fund loan with a longer term.
Third, reasonably determine the order of provident fund loans.
If you buy the first suite, you can fully enjoy the preferential interest rate policy of provident fund loans in the order of first provident fund loans and then commercial loans. For investors who want to buy a second suite, first buy the first suite with commercial loans, and then use provident fund loans to save interest expenses.
Fourth, reasonably determine the repayment amount.
The repayment method of provident fund loans is extremely flexible. As long as the monthly repayment amount is not lower than the "minimum repayment amount", the borrower can determine the repayment amount at will, but the repayment amount should be determined reasonably to avoid excessive pressure on the final repayment.
Fifth, offset the most economical interest rate at one time.
For buyers who have a large balance in the provident fund account and have little pressure on cash expenditure at the initial stage of the loan, they can choose to use all the balance in the provident fund account to offset the loan principal. In this way, the repayment amount of interest will show a decreasing trend, which can help buyers save a considerable amount of money.
Sixth, flexible use of provident fund.
In addition to loans, the provident fund can also be used for the purchase, construction, renovation and overhaul of self-occupied housing. The interest on the provident fund is relatively low. If you don't withdraw, you can only get it when you retire, so try to play its due role.