Now the house price remains high. Many ordinary families and ordinary employees will mostly choose loans to buy a house, and few people can pay the full amount at one time. Now almost all regular employees of the company can enjoy the benefits of five insurances and one fund paid by the company for employees. It's better to use the housing provident fund loan in five insurances and one fund when buying a house. However, many people do not know the specific process of using provident fund loans. This article will talk to you about the conditions and process of using housing provident fund loans.
1、 What is provident fund loan
Provident fund loan refers to the housing mortgage loan granted by the local provident fund management center to the on-the-job employees who pay the provident fund and the retired employees who pay the provident fund during the on-the-job period.
2、 Classification of provident fund loans?
New house loans, second-hand house loans, self built housing loans, housing decoration loans, commercial housing loans to provident fund loans, etc. It should be noted that whether all provident fund centers provide the above types of loans, please consult the local provident fund management organization first.
3、 What are the basic conditions for applying for provident fund personal house purchase loans?
(1) Only employees who participate in the provident fund system are eligible to apply for provident fund loans;
(2) If one spouse applies for a provident fund loan, both spouses can no longer obtain a provident fund loan before they have paid off the principal and interest of the loan. After settlement, they can carry out a secondary housing loan. Because the provident fund loan is the financial support provided to meet the basic housing needs of employees' families, and it is a kind of housing security financial support;
(3) When applying for housing provident fund loan, the loan applicant must not only have relatively stable economic income and the ability to repay the loan, but also have no other outstanding debts that may affect the repayment ability of housing provident fund loan;
(4) The purpose of the loan must be earmarked for special purpose: the purpose of the provident fund loan is limited to the purchase of self occupied houses with ownership, and the houses purchased shall meet the architectural design standards specified by the municipal provident fund management center. Therefore, when purchasing houses for profit, provident fund loans cannot be used.
4、 Materials and procedures required for purchasing commercial housing and handling provident fund loans
(1) The number of copies of the 'provident fund loan application approval form' shall comply with the actual local regulations, which shall be filled in at the site of the local provident fund management center.
(2) The original and copies of the borrower's and spouse's household register, resident identity card and marriage certificate, and the specific number of copies to be taken shall comply with the actual local regulations; If single, the original and copy of the divorce certificate issued by the civil affairs department shall be provided.
(3) Legal and valid original house purchase contract. Copies of the business license, pre-sale permit of commercial housing (future house), sales permit of commercial housing, completion acceptance certificate and large house certificate of the housing development unit shall comply with the actual local regulations.
(4) If mortgage or pledge guarantee is involved, the original ownership certificate of the collateral or pledge right and the original written certificate of the person with the right to dispose of the mortgage (pledge) shall be provided. The number of copies required shall comply with the actual local regulations.
(5) If the guarantee is involved, the guarantor shall issue the original written commitment agreeing to provide the guarantee and provide copies of the guarantor's assurance ability (including business license, financial statements of recent three years, qualification level certificate, credit level certificate, etc.), and the specific number of copies required shall comply with the local actual regulations.
(6) The original and copies of the down payment payment documents (invoices, receipts, bank receipts, cash payment documents, etc.) that the borrower has paid more than the specified proportion of the house purchase price, and the specific number of copies to be taken shall comply with the actual local regulations.
After the above documents are fully prepared, the lender shall personally go to the local provident fund management center to handle the loan procedures with his ID card and household register. If the property right of the house belongs to more than two persons, they shall be present at the same time.