What materials are needed to apply for provident fund loan in 2018
4hw.com.cn: when applying for provident fund loan, it's better to prepare materials first. According to Xiaobian, four types of materials must be provided for provident fund loans, namely personal materials, credit materials, purchase materials and guarantee materials. The following is a brief introduction.
When applying for provident fund loans, it is best to prepare materials first. According to Xiaobian, four types of materials must be provided for provident fund loans, namely personal materials, credit materials, purchase materials and guarantee materials. The following is a brief introduction.
1. Personal materials. Personal materials include ID card, household register, marriage certificate, etc. In addition to providing personal materials, the borrower also needs to provide materials for his spouse, minor children or other joint buyers. If the borrower is unmarried, the marriage certificate issued by the civil affairs department shall be provided.
2. Credit materials. A statement of approval for the loan undertaking bank and the municipal provident fund management center to inquire about personal credit report and provident fund situation.
3. Purchase materials. Commercial housing sales contract, unified invoice for sales of real estate or payment voucher for new commercial housing pre-sale funds, etc.
4. Guarantee materials. Different guarantee methods need to provide different materials: the guarantee method needs to provide housing registration certificate. If the borrower has a spouse or a joint purchaser, he shall also provide a statement of consent to mortgage the joint property. In the form of mortgage guarantee, commercial housing permit is required. In case of pledge guarantee, it is necessary to provide certificates of deposit or treasury bills and other securities recognized by banks.