for many young people, it has become a trend to buy houses with provident fund loans. Facing the high price of houses, we can only reduce the pressure in this way. Do you know the specific process of buying houses with provident fund loans? For families who want to buy a house, you can have a look.
First, the first instance.
The housing fund management center shall conduct preliminary examination on the materials submitted by the applicant, including the qualification of the applicant, the loan amount and the loan term. After the initial examination is qualified, the housing fund management center shall issue the notice of mortgage examination and evaluation.
Two, evaluation
The applicant shall go to the appraisal institution designated by the housing fund management center to evaluate the value of the purchased house with the notice of mortgage audit and appraisal. Affordable housing does not need to be evaluated.
Three, audit
The applicant shall take the appraisal report issued by the appraisal institution and the preliminary examination materials required by the housing fund management center to the housing fund management center for loan examination. If the audit is qualified, the housing fund management center will issue the "housing fund management center guarantee entrusted loan investigation notice".
4、 Handle guarantee procedures
The applicant shall handle the guarantee formalities in accordance with the guarantee method selected by himself by holding the notice of investigation on guarantee entrusted loan of housing fund management center. If the mode of "mortgage + guarantee" is selected, the guarantor shall issue a written guarantee letter; if the mode of "mortgage + insurance" or the third party guarantee is selected, the guarantor shall go to the insurance company for insurance or go to the Guarantee Agency for entrusted guarantee formalities.
5、 Sign loan contract.
6、 The housing fund management center and the entrusted bank sign the entrusted loan agreement.
7、 The borrower directly applies for a loan to the housing fund management center. The entrusted industry can collect the borrower's application information on behalf of the borrower according to the needs, and submit it to the housing fund management center for review and approval.
8、 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.
9、 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.
10、 The entrusted bank's loan shall be directly transferred into the designated account opened by the seller in the entrusted bank.
Secondly, materials that may be needed in the process of handling provident fund loans:
1、 3 ID cards (both positive and negative) of the applicant and spouse, 2 original and 2 copies of the household register (including the home page, home page and personal page), and the original of temporary residence permit for the non local household;
2、 Take two copies of the borrower's marriage certificate, one original of which for the unmarried;
3、 Two originals of borrower's and spouse's income certificate;
4、 One original copy of commercial housing sales contract signed by the buyer and the company;
5、 Bring the original and two copies of the advance payment receipt of 30% or more of the total price;
6、 Remember to bring the original housing fund card.
Finally, we should pay attention to:
When we go to the relevant departments to apply for provident fund loans, we must bring the original of all certificates, so as to ensure the authenticity of the materials. If both husband and wife are required to be present, both husband and wife must be present. In addition, the number and name of the ID card, Hukou book and marriage certificate we carry must be the same. If the relevant departments require that all materials must be copied, A4 size copy paper must be used. With all the materials ready, we can start to handle the provident fund loan.