Housing accumulation fund handling process

The information desk can consult the requisition form or APP, download the form from the website, and preliminarily enter the basic application information of the loan → inquire about the deposit of the housing accumulation fund → review the purchase information → call the number at the information desk, accept the loan at the counter → review the loan → approve the loan → go to the real estate registration center to handle the guarantee formalities → issue the loan, and get the receipt of the contract.

materials required for processing:

when submitting the loan application, bring all the original materials, and the fund management center will verify and keep the required originals and copies!

(1) Information of the borrower and the borrower (spouse)

1. Original ID card of the borrower;

2. Original ID card of the borrower (spouse);

3. The original marriage certificate of both husband and wife (divorce: the original divorce certificate, divorce agreement or court judgment; Widowed: the original or photocopy of the spouse's death certificate issued by the hospital or police station);

4. The original certificate of deposit of spouse's provident fund (Certificate of Deposit and Use of Housing Provident Fund for Employees with Foreign Loans) and the details of housing provident fund account in the last year (provided if the deposit of provident fund is not made in our center);

5. Original certificate of non-payment (provided if the unit fails to pay the provident fund);

6. If the spouse has not paid the provident fund, he/she must provide a detailed account of his/her salary in the past year printed by the bank (if the salary is paid in cash, he/she must attach the certificate of cash payment of salary issued by the unit finance and the salary details of the last 12 months);

7. Original joint card of provident fund;

8. If the purchaser is a direct member of the family with the same household registration, it is required to provide the original ID card (copy), the original household registration book and the credit report of the purchaser;

9. Personal credit report of both husband and wife;

1. If the spouse retires, the original retirement certificate shall be provided.

(II) Purchase information

1. The original of the Commercial Housing Purchase and Sales Contract signed online for the record;

2. Original down payment invoice (≥ 2%);

3. Collection account information of the selling unit.

(III) Guarantee materials

If you choose a natural person to guarantee, you need to provide:

1. Original ID card of the guarantor;

2. Loan Guarantor Information Form with the official seal of the guarantor unit;

3. The female guarantor is above the deputy division level (confirmed by the company's seal) or above the deputy senior title (provided with the Professional and Technical Qualification Certificate issued by the Department of Human Resources and Social Security), and the retirement age can be calculated as 6 years old.

to choose this set of self-owned purchased house and the mortgage guarantee of self-owned house elsewhere, you need to provide:

1. The original of the Property Ownership Certificate or the original of the Immovable Property Certificate.

To choose a third-party property mortgage guarantee, you need to provide:

1. The original ID card of the mortgagor;

2. The original ID card of the mortgaged property * * *;

3. the original marriage certificate of the mortgagor;

4. the original of the house ownership certificate or the original of the immovable property certificate of the collateral.

The pre-mortgage guarantee method of forward house also needs to be provided:

1. Real Estate Registration Certificate (advance notice registration);

2. Pre-mortgage Information Form of Forward House sealed by the developer. ?

Extended information: Conditions for handling provident fund loans:

1. The borrower has continuously and fully paid the housing provident fund in the Housing Fund Management Center of Inner Mongolia Autonomous Region for more than 6 months;

2. Have stable professional and economic income, good credit, no other debts and guarantee obligations that affect the repayment ability of the loan, and have the ability to repay the principal and interest of the loan;

3. The loan applicant, spouse or immediate family members with the same household registration purchase ordinary self-occupied housing in the autonomous region;

4. The loan applicant and the borrower (spouse) have no bad loan credit record, no outstanding housing provident fund loan, and no housing provident fund loan guarantee for other borrowers;

5. If the loan applicant purchases owner-occupied housing, he/she has the Commercial Housing Sales Contract signed by the housing management department online for the record;

6. If the borrower purchases a self-occupied house, he shall pay a down payment of not less than 2% of the total price of the house purchased. The term of validity of the loan application is from the date of signing the Commercial Housing Sales Contract or the date of down payment for the record of the housing management department, to the date of applying for the housing provident fund loan, and the high-rise residence is not more than four years and the multi-storey residence is not more than three years;

7. The borrower has used the housing provident fund loan twice and may not apply;

8. You may not apply for the paid house price;

Inner Mongolia Autonomous Region Fund Management Center-Business Guide