yes.

the process of managing the public accumulation fund:

1. provide the information of the buyer and the seller, fill in the standard application form of the management center, submit it for evaluation, and pay the evaluation fee

2. submit the information to the management center for examination and approval.

3. Inform the customer to go to the management center for face-to-face signing after passing the preliminary examination, and the management center will review it

4. Sign the guarantee contract at the provident fund management center after passing the examination and approval, and pay the guarantee fee

5. After the loan is approved, notify the buyer and the seller to transfer ownership

6. Go through the mortgage registration after getting the new house. See

materials required for mortgage registration and acceptance form management center to release the municipal provident fund

Buyer: ID card, household registration book, marriage certificate, education certificate, professional title certificate, provident fund statement, and temporary residence permit for foreign household registration

Seller: ID card, household registration book, marriage certificate and house book

Costs: evaluation fee, guarantee fee and loan service fee

. Fill in the standard application form and income certificate of the State Administration Center (note: both husband and wife of married loan customers are required to issue income certificates), submit the application for evaluation, and pay the evaluation fee

2. The buyer and the seller go to the bank for face-to-face signing (China Construction Bank)

3. The State Administration Center examines and approves the loan materials

4. After the approval, the buyer and the seller are notified to transfer their ownership

5. After obtaining the new house, the mortgage registration is carried out. After seeing the certificate of other rights, the bank will lend money

Information required for the state-run provident fund

Buyer: (the same city will manage the provident fund)

Seller: ID cards, household registration books, marriage certificates and house books of both husband and wife

Expenses required for the state-run provident fund: evaluation fee, guarantee fee, loan service fee and the latest interest rate table for provident fund loans.

Extended information

Application conditions

1. The loan applicant must establish a housing provident fund account for more than 12 months (inclusive), and at the same time pay the housing provident fund in full for more than 12 months (normal payment includes continuous monthly payment, advance payment and supplementary payment of housing provident fund), and be in the state of payment when applying for a loan.

2. For the units that are in deferred payment with the approval of the center, their employees can apply for loans if they have established housing provident fund accounts for more than 12 months (inclusive) and paid housing provident fund in full for more than 12 months (inclusive).

3. The loan applicant can be a retired employee who has paid the housing accumulation fund during his working period.

4. The husband and wife of the loan applicant shall not have outstanding provident fund loan records or policy discount business records.

prompt: the time conditions for establishing housing provident fund account and depositing housing provident fund should be met at the same time; The overdue payment cannot advance the time of establishing the housing provident fund.

Precautions:

1. According to the loan contract, the due repayment of the current month should be fully deposited into the repayment account before the repayment date of each month.

2. If the bank card, annual discount or small account management fee are required to be paid to the bank according to the regulations of the bank, the borrower shall ensure that the balance in the repayment card (discount) is sufficient to repay the monthly loan payment of the current month, so as to avoid loans overdue due to insufficient balance in the card (discount).

3. If the borrower applies for early repayment with equal monthly repayment or equal principal repayment, and the loan issuing bank is Bank of Communications, Agricultural Bank, China Bank, Industrial and Commercial Bank of China and China Construction Bank, the borrower himself should avoid the repayment date and three working days before and after, and go to the loan business department with his ID card and photocopy, and the Loan Contract for early repayment. At the same time, he must pay attention to the fact that the loan is overdue and cannot handle the early repayment business.

Seven factors

1. Appraisal price and maximum loan amount

When lending second-hand housing loans, banks adopt the principle of obtaining contract price and appraisal price, and take the low value between them and multiply it by the loan percentage, which is the maximum loan amount of real estate.

2. Year of completion and loan life

In the process of approving loans, banks usually take the year of completion on the real estate license as the main condition that affects the loan life of borrowers. The policy of some banks is "house age+loan life < 45 years. "

3. Selection of loan banks

The service characteristics of commercial banks are different, and the types of loans are also different. If the borrower chooses common mortgage products, it is necessary to select them based on the number of bank outlets, the convenience of repayment and the wage issuing bank.

4. Selection of repayment methods

Bank repayment methods are mainly divided into two ways: equal principal and interest repayment method and average capital method. The former is suitable for teachers, civil servants and other working-class people with stable income; The latter is suitable for loan people who can bear greater repayment pressure in the early stage.

5. proof of income and repayment ability

proof of income is generally a proof of income issued by the borrower's unit. If the applicant is married and one person's income certificate is lower than his monthly payment, both husband and wife can apply for a loan by issuing income certificates at the same time. In addition, large deposits, bonds and real estate can also be used as proof of income.

6. Percentage and interest rate of loans

Banks have made specific provisions on the percentage of down payment and interest rate of loans for the first home and the second suite.

Reference: Baidu Encyclopedia-Application Conditions for Second-hand Housing Provident Fund Loan