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How to use MPF loan for the first time
4hw.org: housing purchase loans are divided into commercial loans and provident fund loans. General units give us provident fund. What materials do provident fund loans need to go through the process? It is necessary to look at these when using provident fund loans to buy houses.
New housing provident fund loan (taking the future housing as an example)
I. materials required:
1. ID card and account book of applicant and co owner of property right;
2. Commercial housing sales contract;
3. The paid self raised down payment voucher, usually the down payment;
4. Income certificate of applicant and spouse;
5. Marriage status certificate of applicant and spouse (including single certificate);
6. Other materials required.
The above materials shall be provided with copies, and the original copies shall be brought for inspection when applying for and signing the contract.
II. Steps of provident fund loan
1. Calculate the loan limit and term.
Employees applying for provident fund loans can consult and handle matters through developers, loan handling banks or housing provident fund.
2. Apply for loan
The purchase staff shall apply to the provident fund loan handling bank for loan, and provide a copy of the above-mentioned required information, and bring the original for inspection.
3. Signing
After the loan application is approved, go to the provident fund service hall to sign the loan contract as required.
4. Handle the purchase transaction and mortgage registration procedures.
5. Bank loans
After the mortgage formalities are completed, the loan handling bank shall make loans to the applicant in accordance with the loan contract, and the funds shall be directly transferred to the account designated by the developer.
Second hand housing fund loan
I. materials required
1. ID card and account book of applicant and co owner of property right;
2. Commercial housing sales contract;
3. The original house property certificate and state-owned land use certificate of the purchased second-hand house.
4. Income certificate of applicant and spouse;
5. Real estate price evaluation results
6. Transfer account certificate issued by the seller
7. Other materials required by provident fund.
II. Steps of provident fund loan
1. The second-hand housing provident fund loan applicant can go to the provident fund management or loan handling bank to consult relevant matters and assess the loan amount and term.
2. The loan applicant shall get the application form and fill in it carefully and truthfully, and submit relevant application materials. After the approval of the provident fund management and loan handling bank, the appraisal results shall be issued.
3. Price evaluation
The loan applicant shall entrust the real estate price evaluation institution designated by the provident fund management to evaluate the purchased real estate.
4. Payment of down payment
After the evaluation structure comes out, the loan applicant shall deposit the down payment of self raised funds beyond the available loan amount into the designated account, and hand them over to the provident fund management or loan handling bank after obtaining the deposit certificate.
5. Examination of loan application by provident fund.
6. Signing
The loan applicant shall go to the designated provident fund service hall to complete the signing of loan contract.
7. Go through the procedures of transfer of second-hand house property rights and mortgage registration
8. The loan handling bank shall make loans to the applicant in accordance with the loan contract and directly transfer them to the account designated by the seller.