Now the house price is rising year by year, and for some families who just need to buy a house, many choose to buy a second-hand house, and choose to use the provident fund loan. So how much is the loan amount of the second-hand housing provident fund, and what is the loan process of the second-hand housing provident fund?
1、 Second hand housing provident fund loan limit
At present, the loan amount of commercial housing (new housing) and existing housing (second-hand housing) is the same, as follows:
1. The applicant pays the housing accumulation fund, and the high limit of loan is 500000 yuan;
2. Both applicants and co applicants deposit housing provident fund, and the high limit of loan is 700000 yuan;
3. The high limit for three or more family members to apply for loans is 900000 yuan.
2、 Second hand housing provident fund loan process
1. The buyer and the seller sign the contract of house sale, in which it is agreed that the buyer shall pay the house price through the second-hand house loan, and the down payment and the loan proportion are also agreed. In this link, the buyer should generally check the seller's certificate of house property right and record of water and electricity charges while looking at the house on site. Sometimes the seller will ask the buyer to pay a certain deposit;
2. The buyer and the Seller shall print the "real estate sale and purchase agreement" at the real estate transaction market of the district and county where the house is located (the payment method of the house price shall be clearly indicated in the agreement, such as ten thousand yuan as the down payment and the rest of the funds applying for loans, etc.), and at the same time, the buyer and the Seller shall sign the "private property house collection and payment agreement" at the scene of the local housing authority, so as to clarify the entrustment relationship of the transaction funds collection and payment;
3. In order to ensure the security of the loan, the general bank will require the buyer to provide a guarantee. The guarantor can be an individual with financial ability or a professional guarantee company. It should be noted that at present, some banks have launched second-hand housing loans without guarantee, so buyers should make clear the bank's charge of guarantee fee before handling housing loans;
4. After the bank's approval, the buyer signs a loan contract with the bank, and the bank informs the seller that the loan is payable;
5. The buyer shall bring the house property certificate, land certificate transfer receipt, verified sales contract, deed tax and other materials to the house property bureau to handle the mortgage procedures of the house property; the buyer shall repay the loan on time according to the specified repayment method, and handle the mortgage registration cancellation procedures after paying off the loan.
The above is about the second-hand housing provident fund loan amount and process. The amount of provident fund loan is related to the balance in the personal provident fund account. The balance in the provident fund account directly determines the amount of provident fund loan. If the amount of provident fund loan is not enough to pay for the house, you can also use the combination of provident fund loan and commercial loan Money.