Under the influence of the concept of "having a house to have a home", buying a house is still a big problem. If you can't afford to buy a new house, then a relatively good second-hand house is also a good choice. So, second-hand housing provident fund loan specific handling process is how? Together to understand it.
1、 Application materials required
1. Application information of provident fund loan:
(1) Joint name card of housing fund (original);
(2) Valid identity certificate (original and two copies);
(3) Married employees shall provide marriage certificate (original and one copy);
(4) Second hand house sales contract (original and one copy);
(5) Copy of the original real estate card and the seller's ID card (one copy);
(6) Real estate inquiry certificate of all loan applicants' family members (original);
(7) Certificate of down payment for house purchase (original and one copy);
(8) Repayment account (debit card or passbook of the entrusted bank, original and one copy);
(9) Non registered households in this city shall provide tax payment certificate or social insurance payment certificate (original) of this city for more than one year;
(10) If the parents are joint applicants or joint payers, they need to provide the household register (original and one copy), or the certificate of direct family relationship (original) issued by the public security department or notary office.
2. Commercial loan application materials:
Submit relevant application materials according to the commercial loan requirements of the entrusted loan bank selected by the borrower.
2、 Second hand housing fund loan conditions
1. Before the month of application, the applicant and the co applicant participating in the calculation of the loan amount of the provident fund loan shall pay the housing provident fund in full and on time for 6 months or more in this city. At the time of application, the provident fund account shall be in the normal payment status (the account sealed, frozen and closed shall be in the abnormal payment status). All loan applicants must have the ability to repay the loan principal and interest, and have good credit status;
2. The applicant and the co applicant have not had the provident fund loan in this city or have paid off the provident fund loan; if one of the applicant's parents is the co applicant, the other party shall also have not had the provident fund loan in this city or have paid off the provident fund loan;
3. The applicant has paid the down payment for the house purchase as required;
4. The applicant agrees to provide a guarantee that meets the requirements of these provisions;
5. The loan application meets the requirements of the real estate market management policies of the state, the province and the city;
6. Other conditions specified by CPF Management Committee are met.
3、 Second hand housing fund loan process
Step 1: the applicant shall take the notarized second-hand housing sales contract to the housing fund management center (hereinafter referred to as the center) to collect the loan application form;
Step two: the applicant shall go to the center to check the loan amount and calculate the fees payable with the ID card, account book, completed loan application form, house purchase and sale contract, transferred house ownership certificate, assessment report and other materials of the applicant and the auxiliary borrower;
Step 3: after the staff of the center visit the house on site, if they agree to apply for the loan, the applicant shall submit the following materials to the center: 4 copies of the borrower's ID card, 1 copy of the household register, 1 copy of the loan application form, 1 copy of the house purchase and sale contract, 2 copies of the appraisal report, 2 copies of the transferred house ownership certificate and ownership certificate, 1 copy of the tax payment invoice, and pay the relevant fees（ Guarantee fee, mortgage registration fee, handling fee, etc.) and then sign the loan contract;
Step 4: the applicant shall transfer money to the bank window of the center on the appointed date and receive the receipt.