Demand assessment of second-hand housing provident fund loans. Second-hand housing provident fund loan refers to the housing mortgage loan specially used for buying second-hand housing. Entrusted by local housing provident fund management centers, it distributes the housing provident fund paid by employees of the unit to employees who have paid housing provident fund and retired employees who have paid housing provident fund during their employment. Application conditions: 1. The loan applicant must establish a housing provident fund account 12 months or more, and pay the housing provident fund 12 months or more in full at the same time (normal payment includes continuous monthly payment of housing provident fund, early payment and supplementary payment), and it is in the state of payment when applying for a loan. 2. With the approval of the Center, the employees of the deferred units can apply for loans if they have established a housing provident fund account for more than 12 months (inclusive) and paid the housing provident fund in full 12 months (inclusive). 3. The loan applicant can be a retired employee who has paid the housing provident fund during his working period. 4. Both husband and wife of the loan applicant shall not have outstanding provident fund loan records or policy discount business records. The time conditions for establishing housing provident fund account and depositing housing provident fund should be met at the same time; Time when overdue payment fails to establish housing provident fund in advance.
2. What are the housing appraisal centers designated by the provident fund?
Needs assessment. Second-hand housing provident fund loan refers to the housing provident fund paid by units living in various places, which is entrusted by commercial banks to employees who pay housing provident fund and retired employees who pay housing provident fund during their employment, and is specially used for mortgage loans to buy second-hand housing. Application conditions: 1. The loan applicant must establish a housing provident fund account 12 months or more (inclusive), and the housing provident fund 12 months or more (normal deposit includes continuous monthly deposit of housing provident fund, early deposit and supplementary payment), and be in the state of deposit when applying for a loan. 2. For units in the intermediate stage, employees can apply for loans if they have established housing provident fund accounts for more than 12 months (inclusive) and paid housing provident fund in full 12 months (inclusive). 3. The loan applicant can be a retired employee who has paid the housing provident fund during his working period. 4. The loan applicant and the husband and wife have no outstanding provident fund loan records or the time conditions of policy discount industry are set at the same time as the time conditions of housing provident fund deposit.
3. What are the housing appraisal centers designated by the provident fund?
So many questions are not divided. For house appraisal, you should find an appraisal company and pay for it yourself. The charging standard is 0.2% of the assessed price. 1. Personal data: 4 copies of the identity certificate of the individual (hereinafter referred to as the borrower) applying for the loan and the relevant identity certificate of the spouse (ID card or other valid documents are acceptable);
Four copies of the borrower's marriage certificate (single certificate, marriage certificate, divorce certificate or divorce judgment, and the widowed person must provide the death certificate of the other party);
4 copies of valid vouchers for payment of house purchase price;
4 copies of the income certificates of the borrower and spouse respectively;
4 originals of legal house purchase contract;
The seal of the borrower and his spouse;
In addition, the borrower's housing provident fund deposit certificate is required.
Be sure to bring the originals and corresponding copies of these materials. Many, it is best to go to the provident fund management center and go through the formalities of real estate transfer. It is also best to go to the real estate bureau to find out, or go to an intermediary company to find out.
Fourth, how to find an evaluation company when buying a second-hand house?
Second-hand housing appraisal can not find an appraisal company. When choosing an evaluation company, you must choose an evaluation company recognized by the person who uses the evaluation report. For example, to apply for a bank loan, it must be an evaluation company recognized by the bank, and the evaluation companies recognized by different banks are different.
However, considering the risks, some banks are not allowed to designate appraisal companies, so they need to draw lots to randomly designate appraisal companies. Each loan may be approved by a different appraisal company. If the appraisal report is not satisfactory, it is not allowed to change the appraisal company.
It should be noted that if you apply for provident fund or provident fund commercial portfolio loans, the provident fund center also has its own list of evaluation companies. If the amount of provident fund is higher than the commercial amount, you must choose an evaluation company from the designated list.
The evaluation price generally includes commercial loan evaluation, provident fund loan evaluation and portfolio loan evaluation. The evaluation value of commercial loans can generally reach about 80%-90% of the market price, and the evaluation value of provident fund loans can generally reach about 80%-85% of the market price. In terms of the timeliness of the evaluation process, the evaluation of commercial loans is higher. The evaluation report of portfolio loans can be used by both commercial banks and provident fund centers, and only one evaluation is needed.