Step 1: Apply
1. For the purchase of commercial housing and affordable housing, when signing the purchase contract with the selling unit, the selling unit shall receive the Approval Form for Housing Provident Fund Loan Application, fill in the form and prepare relevant materials to determine the loan amount;
2, construction, overhaul from the housing, with the approval documents of the land, planning and management departments, to apply for loans to the Changchun Housing Provident Fund Management Center;
3. Buy private houses (second-hand houses) with complete property rights and apply to Changfang Replacement Guarantee Co., Ltd. ..
Step 2: Review
The unit or guarantee company will submit the borrower's information together with the purchase contract, down payment receipt and other materials to the Municipal Housing Provident Fund Management Center for review.
Step 3: Sign a loan contract.
After the examination and approval of the housing provident fund management center, notify the borrower to sign a loan contract with the bank. And handle the contract notarization, collateral insurance and other related procedures.
Step 4: Guarantee
1. Where the commercial housing and affordable housing built by the developer who signed the Housing Provident Fund Loan Cooperation Agreement with the Center are purchased, the developer shall undertake joint and several liability guarantee for the borrower by stages before the house is formally mortgaged;
2. If you buy a second-hand house with a property right certificate and a land certificate, you can go directly to the mortgage department of the city real estate trading center for mortgage registration, and go through the relevant formalities of other house ownership certificates at the property right registration and certification center;
3. If the second-hand house is purchased with a title certificate and no land certificate, the guarantee company shall bear the guarantee responsibility.
Step 5: Bank loan
After the borrower has gone through all the above procedures, the Center will issue a "Decision on Granting Lending" to the entrusting bank to inform the bank to lend.
Step 6: Repayment
The borrower shall repay the bank every month according to the monthly repayment amount agreed in the loan contract.
Matters needing attention in decoration of housing provident fund loan
1. Personal housing renovation loan is a loan issued by the bank to the borrower for the renovation of its own housing. The house decoration mentioned here refers to the engineering activities of transforming and processing houses by using decorative materials. In other words, the property must be your own.
2. The special requirements in the house decoration loan are: the renovation contract, decoration budget and related materials signed with the decoration enterprise approved by the relevant departments; Some banks also require owners to have no less than 30% of the total decoration budget, and then use the loan after investing in the project construction.
According to the regulations of the bank, personal consumption loans are generally not allowed to withdraw cash. The bank will transfer the money to the account of the decoration company.
4, the loan period is generally not more than 5 years.
I hope my answer can help you, and I hope it will be adopted.