Siyang county lawyer
Qionglai lawyer
Beilun district lawyer
Tengzhou lawyer
Lawyer jianyang city.
Lawyer WU GANG.
The housing problem is closely related to people. For many people, buying a house is a major event in life. Generally speaking, buying a house with a loan is the choice of most people. The provident fund loan set up by the state is a great benefit to the employees who pay the provident fund. In order to prevent risks, applicants for housing provident fund loans need to provide guarantees. Then, what is the handling process of provident fund loan guarantee mortgage?
1. What is a provident fund loan?
Speaking of provident fund loans, I believe many friends at work are no strangers. Provident fund is a loan benefit provided by the unit to employees. Then, what are the procedures and processes for housing provident fund mortgage loans? Let's take a closer look at it through the introduction of the financial consultant of Liuxing Wantong Guarantee Company.
Personal housing provident fund mortgage loan is a low-interest housing loan provided by the state for employees. Refers to the borrower who pays the housing provident fund in full and on time. When purchasing, constructing or overhauling the self-occupied housing, he applies to the housing provident fund management center for a housing loan with the housing provident fund as the source of funds, or a third party provides a guarantee for the loan and assumes joint and several liability for repaying the principal and interest.
Second, the process and procedure of provident fund mortgage loan
1、
Loan application:
The borrower holds a valid purchase certificate.
The building (structure) materials, down payment voucher and application form shall be signed by the borrower (spouse) and submitted to the center for review and interview together with the required loan materials.
2, the center for examination and approval:
The Center shall review the loan application according to the borrower's application materials and the deposit of provident fund; Notify the borrower after approval.
(Property owner) signs a loan (mortgage) contract, opens a repayment account and goes through the insurance formalities.
3. Sign the contract:
The borrower signs the loan.
(mortgage) contract and fill in the real estate mortgage (or option) registration form. , and submit it to the center manager for review; At the same time, according to the repayment account opened in the entrusted bank, fill in the transfer authorization and iou.
4. Joint bank review:
The center manager will send the loan contract, transfer authorization, iou and other materials verified and signed by the client, the borrower and the guarantor to the entrusted bank for joint examination; The entrusted bank will return the loan contract signed after the joint trial to the center within two working days.
5. Mortgage registration:
The borrower holds the loan contract, mortgage contract, real estate mortgage registration form and related materials verified by the entrusted bank, and goes to the real estate management department for mortgage registration and filing procedures; Return the option mortgage certificate (or other warrants) to the center after handling.
6. Transfer of funds:
According to the completed loan (mortgage) contract, real estate mortgage registration certificate (or other house ownership certificate), the center will transfer the loan funds into the entrusted loan account established by the center in the entrusted bank, and notify the entrusted bank to issue provident fund mortgage loans.
7. Loans:
The entrusted bank shall issue the loan within two working days according to the transfer notice, loan list and loan contract of the center, and fill in the date of loan issuance. After the loan is issued, the relevant contracts, IOUs and other materials will be returned to the center in time.
8. Post-loan management:
The center sorts the loan contracts, IOUs, mortgage contracts and related materials returned by the entrusted banks after issuing loans, and then inputs them into the microcomputer for archiving. At the same time, notify the borrower to collect the loan from the center.
(mortgage) contracts and IOUs, etc.
The above is the process of mortgage guarantee for provident fund loans, and I hope it will be helpful to everyone. There are eight links in this process. First, the borrower applies, and after the approval of the center, the borrower signs a loan contract. The center manager sends the materials to the bank for joint examination, and the borrower goes through the mortgage registration formalities in the relevant departments, followed by fund allocation, loan issuance and post-loan management.
Extended reading:
What are the precautions for deducting individual tax from provident fund loan interest?
What is the latest Shanghai second-home provident fund loan policy?
Can I buy a car with a housing provident fund loan?