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.
Materials required for handling the second-hand housing provident fund loan:
Buyer: ID card, household registration book, marriage certificate, education certificate, professional title certificate, provident fund statement, temporary residence permit for foreign household registration.
Seller: oral book, marriage certificate, room book.
Expenses required for the state-managed provident fund: assessment fee, guarantee fee and loan service fee. Latest interest rate table of provident fund loans.
The second-hand housing process is like this;
Go to the Center for information inquiry → the Center accepts the examination and approval → the buyer and the seller transfer the ownership → sign a contract with the bank → register the mortgage → release the loan funds to settle the loan → cancel the mortgage.
Specific process:
First, apply for a loan from a loan bank.
The borrower applies for housing provident fund loans to the real estate credit department of CCB in all districts and counties with a copy of the purchase contract and the developer's housing sales license, ID card, housing provident fund savings magnetic card and seal (if both husband and wife use housing provident fund loans, they must also bring a marriage certificate or fill out the Application Form for Personal Housing Provident Fund Loans).
Second, submit an application.
1. Original and photocopy of ID cards and household registration books of the Borrower and the Seller;
2. Original and photocopy of marital status certificate (single certificate issued by the civil affairs department);
3. The original and photocopy of the real estate license and state-owned land use certificate under the name of the seller;
4. The property rights of houses are consistent, which ensures the clear property rights of houses.
5. Wuhan Stock House Sales Contract (signed by the bank);
6. The housing appraisal report issued by the housing appraisal institution recognized by the management center;
7. Other certification materials required by the management center and the entrusted bank.
Three. Accept the preliminary examination of loans and banks.
1. The entrusted bank and loan review the application materials submitted by them;
2. Inquire and print the personal credit status and mortgage status of the borrower and spouse;
3. The entrusted bank conducts "family housing information inquiry" for the loan applicant through the real estate department;
4. Conduct a pre-loan trial in a system that meets the loan conditions, and negotiate with the borrower to determine the loan amount, term, interest rate and repayment method according to the trial results and repayment ability.
5. The entrusted bank conducts preliminary examination in the provident fund system. If the preliminary examination fails, the borrower shall be notified in time and the reasons shall be informed.
Four. Signing contracts and transferring transactions
After the first trial of the loan is passed, the entrusted bank will personally sign a loan (mortgage) contract with the loan applicant and the purchaser, and fill in the relevant loan information such as real estate mortgage registration. The buyer and the seller go to the real estate bureau to handle the transfer procedures of the "two certificates" transaction.
V mortgage registration and bank review
The entrusted bank or borrower shall go through the mortgage registration formalities at the Real Estate Bureau and receive the "Property Ownership Certificate"; The entrusted bank shall review the full set of information of the loan applicant.
Final audit and loan issuance of intransitive verb management center
The management center shall conduct a final review of the loan materials approved by the entrusted bank. After the management center passes the final audit, the loan funds will be directly transferred to the seller's deposit account through the entrusted bank.
(The above answers were published on 20 15-09- 15. Please refer to the current actual purchase policy. )
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2. What are the procedures and procedures for buying a second-hand house with a provident fund loan?
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Third, the second-hand housing provident fund filing process?
The first borrower directly applies for the municipal fund management loan.
Its management process: consultation and registration → submission of application materials → acceptance and approval → transaction transfer between the two parties → signing a treaty with the bank → managing mortgage registration → issuing loan funds → monthly repayment by the borrower → settling the loan → publishing the mortgage situation.
Step 1: Get the application form: both parties to the house transaction and husband and wife (unmarried or divorced, they should issue certificates) hold two original certificates of house ownership certificate and state-owned land use certificate, and the original household registration book, ID card and marriage certificate to pre-register at the municipal housing provident fund management center, and get the application form for provident fund loans.
Step 2: The borrower needs to submit the following loan information:
(1) provident fund loan application form;
(2) proof of deposit of provident fund (or household registration book of housing provident fund) and proof of economic income;
(3) the evaluation report of the purchased house;
(four) the purchase agreement signed by both parties to the transaction;
(5) Real estate license and state-owned land use certificate in the name of the original seller (original and photocopy);
(6) Both husband and wife's ID card, household registration book and marriage certificate (original and photocopy, and single employee shall provide single certificate. )
The third step is acceptance and approval: the municipal housing provident fund management center accepts the information of loan applicants, and approves and determines the loan amount and term.
The fourth step is transaction transfer: both parties to the housing transaction go through the transfer procedures of "two certificates" transaction at the Real Estate Bureau and the Land Bureau.
The fifth step is to sign the treaty: the borrower pays the deed tax (original and photocopy) to the municipal capital with the "two certificates" of custody transaction transfer, and the municipal capital issues a loan agreement to the designated bank to sign loan documents such as "loan begging treaty" and "mortgage treaty", and the seller opens a special deposit account in the loan bank.
Step 6: apply for mortgage: the borrower goes to the real estate bureau to register the mortgaged house and get Yu Heng's other warrants.
Step 7: Lending: After all the loan procedures are completed, the municipal housing provident fund management center will directly transfer the loan funds to the deposit account opened by the seller through the bank.
Step 8: Monthly repayment: The borrower shall repay the principal and interest of the loan on a monthly basis as agreed in the Loan Seeking Treaty until the loan is fully paid off.
Step 9: Settle the loan: When the borrower settles a loan, I will personally go to the loan bank and go through the repayment settlement procedures at the counter.
Step 10: Publicity of mortgage: After the borrower has repaid all the loan principal and interest, he shall go through the formalities of publicity and cancellation of mortgage registration at the original real estate mortgage registration department with the settlement certificate, mortgage cancellation certificate, original house purchase treaty or real estate license and personal ID card issued by the loan bank.
The second kind of lender entrusts an intermediary company to handle the formalities.
In the first step, the customer directly consults with the guarantee company or intermediary company and gets the loan application form.
Step 2: The borrower submits a complete set of loan information to the underwriting company or intermediary company, which will send it to the municipal fund management department for approval.
The third step, the city housing provident fund management center will issue a loan agreement after examining and approving the loan qualification, amount and term.
Step four, the guarantee company or intermediary company handles the transfer procedures of real estate license and land certificate for both parties to the house transaction, and the loan bank signs a loan and mortgage treaty with the borrower, and signs a tripartite agreement with the guarantee company or intermediary company to provide guarantee.
Step 5 After the transfer of the real estate license, the municipal housing provident fund management center can issue loan funds, which will be directly transferred to the deposit account opened by the seller through bank transfer, and the borrower will repay the loan principal and interest on a monthly basis from the next month according to the loan begging treaty.
The sixth step is to ensure that the company or intermediary company handles the mortgage registration formalities for the borrower and submits the house ownership certificate to the loan bank for safekeeping and filing.
Fourth, the second-hand housing provident fund loan process
Subjective law: Generally, the process of housing provident fund loan for second-hand houses is that the actor submits relevant materials as required, and after the relevant departments pass the acceptance, the buyer and the seller transfer ownership, sign a contract with the bank and handle the mortgage registration. I. Loan Process of Second-hand Housing Provident Fund (I) When employees apply for second-hand housing loans, they should submit the borrower's (spouse's) salary income and housing provident fund deposit certificate (in triplicate) and the original and photocopy of the property ownership certificate before the transaction, and the business personnel will review and confirm whether the employee's housing provident fund deposit is normal (whether the employee's housing provident fund deposit meets the loan conditions must be finally confirmed when applying for the report) and the employee's (spouse's) salary income. (2) There are two ways to guarantee the second-hand housing reserve loan: installment guarantee plus mortgage and mortgage. Borrowers can choose independently according to their own actual situation. (3) After all the loan application materials are submitted as required, the bank will be notified to sign a loan contract with the borrower after passing the examination and approval, and the contract notarization procedures will be handled. (4) After the lender completes all the above procedures, the Center will issue a Decision on Granting Loan to the entrusting bank to inform the entrusting bank to lend money. (V) After a series of repayment procedures, the buyer finally repays, and the buyer can repay the bank monthly according to the monthly repayment amount agreed in the loan contract. Second, can I pay my own provident fund? (1) According to the relevant regulations of China's provident fund center, under normal circumstances, individuals can't pay housing provident fund, and of course they can't apply for housing provident fund. Instead, it must be established and paid by the unit. If you pay the provident fund, you must also have the official seal of the unit finance. The housing accumulation fund shall be withheld and remitted by the unit that has established labor relations with the employees, and a part of the amount shall be deducted from the employees' wages. It can also be simply understood that the unit that establishes labor relations with employees needs to establish and pay housing provident fund for employees, and individual employees cannot handle it. (2) When the company deposits the housing provident fund for employees, it needs to prepare the following materials: a copy of the employee's ID card for setting up the housing provident fund account, a registration form for setting up a detailed account for individual housing provident fund and other materials required by the management center. (3) The housing provident fund paid by employees shall be withheld and remitted by the employer when paying wages, and the part paid by the employer for employees shall be paid to the housing provident fund management institution within the specified time and deposited in the "special account for housing provident fund" opened by the housing provident fund management institution in the entrusted bank. The deposit interest rate of housing provident fund shall be implemented in accordance with the relevant provisions of the People's Bank of China. (d) Some employees want to pay their own provident fund in order to enjoy the preferential loan interest rate after leaving their jobs. In fact, in principle, individuals cannot pay the housing provident fund, but if you can find an affiliated unit, you can pay it yourself, but you need to bear all the expenses of the provident fund, and then let the unit help you pay it. This is also the method that many people usually adopt. Three. Provident fund loan policy Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to the national regulations, all employees who have paid the provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans. The loan conditions are: the employees of the unit have signed labor contracts for more than three years (or signed 1 year labor contracts for three consecutive years); Normal continuous monthly housing provident fund deposit exceeds a certain period; Not exceeding the statutory retirement age; The borrower has a stable economic income and the ability to repay the principal and interest; The borrower agrees to handle the mortgage registration and insurance; Provide the guarantee method agreed by the local housing provident fund management center and its sub-centers; At the same time, submit relevant documents required by the bank, such as house purchase contract or house pre-sale contract, real estate license, land use certificate, deposit certificate of provident fund, etc.
Legal objectivity: second-hand housing provident fund loan process: 1. Applicants who meet the conditions of the first trial loan will go to Qingdao Housing Provident Fund Management Center for business consultation with their own and spouse's ID cards. According to the applicant's provident fund deposit, house price and housing completion years, the staff initially calculated the loanable amount and years, and issued the Qingdao Housing Provident Fund Loan Application Approval Form to eligible applicants. Two. Surveying and mapping evaluation (1) The buyer holds a copy of his ID card and a copy of the property right certificate of the purchased house to Qingdao Real Estate Trading Center 1 ~ 9 window for listing qualification examination and surveying and mapping of the second-hand house. (2) Both the buyer and the seller should go to the designated house appraisal institution for house appraisal.