How to buy housing with housing fund
Sihainet: buying a house is a burden for an ordinary family, because to pay a huge amount of money and loans, many people will choose to use the housing accumulation fund to repay the loan, so what is the process of using the housing accumulation fund to buy a house? How to use the accumulation fund to buy a house, let's have a look with the small one below.
How to buy a house with housing fund
1. How to buy a house with housing fund? Process of buying a house with housing fund loan:
(1) Preliminary examination: the housing fund management center shall conduct preliminary examination on the materials submitted by the applicant, including the applicant's qualification, loan amount and loan term. After the preliminary examination is qualified, the center shall issue the notice of mortgage examination and evaluation
(2) Appraisal: the applicant shall go to the appraisal institution designated by the center to appraise the value of the house purchased with the notice of mortgage audit and appraisal. Affordable housing does not need to be evaluated.
(3) Audit: the applicant shall go to the center for loan audit with the appraisal report issued by the appraisal institution and the preliminary audit materials required by the center. If it is qualified, the center will issue the notice on investigation of guarantee entrusted loan issued by Beijing housing fund management center.
(4) Handling the guarantee procedures: the applicant shall handle the guarantee procedures according to the guarantee method selected by himself with the notice of investigation on guarantee entrusted loan issued by Beijing housing fund management center. If the mode of mortgage + guarantee is selected, the guarantor shall issue a written letter of guarantee; if the mode of mortgage + insurance or third-party guarantee is selected, the guarantor shall go to the insurance company for insurance or go to the Guarantee Agency for entrusted guarantee.
(5) Sign loan contract.
Application conditions: the premise of housing provident fund loan is that urban employees and their units must pay housing provident fund continuously for one year.
When applying for individual housing accumulation fund loan, urban employees shall submit the following information:
1. Personal data: four copies of the identity certificate of the individual applying for the loan (hereinafter referred to as the borrower) and the relevant identity certificate of the spouse (either identity card or other valid certificate); four copies of the borrower's marriage certificate (single certificate, marriage certificate, divorce certificate or divorce judgment, the bereaved shall provide the death certificate of the other party); 4 copies of valid certificates for payment of house purchase money; 4 copies of income certificates of the borrower and his / her spouse; 4 originals of legal house purchase contract; and seals of the borrower and his / her spouse; in addition, proof of payment of the borrower's housing fund must be provided. The above materials must be accompanied by the original and the corresponding number of copies.
2. Housing construction review data: commercial housing pre-sale license or housing reform approval; construction project planning license; construction project construction license; construction land planning license; state-owned land use license; construction review plan and floor plan. Those who meet the conditions of housing provident fund loan can apply for housing provident fund loan at the entrusted bank and the handling branch, and can also apply for housing provident fund loan at the nearest housing provident fund management center or each sub center and management department. First of all, we need to ask the developers about the mortgage bank of the project, whether the "five certificates" of the real estate are complete, and whether we can provide ourselves with relevant procedures. If developer although '5 card' complete but do not offer to buy a house, also impossible deal with accumulation fund loan.
Process: 1. The housing fund management center signs the entrusted loan agreement with the entrusted bank.
2. The borrower directly applies to the housing fund management center for loan. The entrusted industry can collect the application data of the borrower on behalf of the borrower according to the needs, and submit them to the housing fund management center for review and approval.
(1) Borrower's identity card (refer to resident identity card, household register or other valid residence certificate) and marriage status certificate;
(2) Borrower's family property and income certificate;
(3) Legal letter of intent, agreement or other approval documents for housing purchase (construction, repair) contract;
(4) List of mortgaged property or assets, ownership certificate and certificate of consent of disposal right holder to mortgage or assets pledge; certificate of valuation of mortgaged property issued by competent department; written document and credit certificate of guarantor agreed to provide guarantee;
(5) Own funds of more than 20% of the total price of the purchased (built and repaired) houses shall be guaranteed to be used for the down payment of the purchased (built and repaired) houses;
(6) For self built houses, approval documents from planning, construction, planning, land and other relevant departments shall be issued;
(7) If the self owned housing is rebuilt or overhauled, a certificate of ownership of the self owned housing shall be issued;
(8) The assets recognized by the housing fund management center shall be mortgaged or pledged, or the units or individuals with sufficient compensation capacity shall be the guarantors;
(9) Other conditions stipulated by the housing fund management center.
3. The housing fund management center shall sign a entrusted loan contract with the entrusted bank after approving and approving the amount, term and interest rate of each loan.
4. In accordance with the entrusted loan contract, the entrusted bank signs the mortgage contract for Entrusted loan of housing provident fund, the pledge contract for Entrusted loan of housing provident fund and the guarantee contract for Entrusted loan of housing provident fund with the borrower respectively, and then handles the loan procedures. 5. The entrusted bank's loan shall be directly transferred into the designated account opened by the seller in the entrusted bank.
The above is the whole content of how to use housing fund to buy a house. I hope it can help you.