Housing provident fund loans, real estate licenses as collateral, you need to pay off the loans to get.
Housing provident fund loan steps:
65438+
2. Borrowing employees shall 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 shall review and confirm whether the employee's housing provident fund deposit is normal and whether the employee's (spouse's) salary income certificate is true and standardized.
2. What is the relationship between real estate license and provident fund?
The use of provident fund contract loans is related to the real estate license, because you can apply for provident fund loans when buying a house, and you need to use the real estate license as collateral to issue loans.
Provident fund loan.
Housing provident fund loans are loans enjoyed by employees who deposit housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.
Commercial loans, also known as personal housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to purchase ordinary housing for their own use, and the legal loan interest rate is implemented.
Third, why not give the real estate license to the provident fund loan to buy a house?
You can also apply for provident fund loans without real estate license;
Housing provident fund loan acceptance scope and application materials
(1) acceptance scope
1. The borrower has paid the housing accumulation fund for more than 12 months, and has paid it continuously for more than 6 months;
2. The down payment of more than 30% of the total price of the purchased house has been paid;
3. There is a legal purchase contract or agreement;
(2) Application materials
1. Materials to be provided for applying for commercial housing provident fund loan
(1) The borrower and the original and photocopy of the borrower's resident ID card and household registration book (* * * with repayment and guarantor) and * * * with repayment commitment letter;
(2) proof of marital status (if married, provide a copy of marriage certificate, and other information shall be issued by the unit or police station);
(3) Legal commercial housing purchase contract or agreement;
(4) Personal credit certificate provided by the borrower and the borrower's unit;
(5) Effective proof that the borrower has paid not less than 30% of the house purchase price;
(6) Effective guarantee certificate;
(7) The auction property of housing provident fund loan must be the property with mortgage agreement signed by the developer and the entrusted bank, and the borrower can go through the loan formalities through the mortgage bank.
2, second-hand housing provident fund loans should provide materials.
Second-hand housing management is based on existing houses as collateral, and the following information must be supplemented on the basis of providing the above information:
(1) Copy of the Seller's ID card and household registration book;
(2) The original and photocopy of the real estate license;
(3) An assessment report issued by an assessment agency recognized by the management center;
(4) The loan amount shall not exceed 70% of the appraised price.
(5) Tripartite agreement signed between the intermediary agency recognized by the management center and the buyer and seller;
(six) mortgage registration shall be handled by the real estate transaction department at or above the district level.
Second-hand housing provident fund loans can be handled in the provident fund approval hall or the entrusted bank.
4. Can I apply for a real estate license after the provident fund loan is settled? Why don't some houses have real estate licenses?
Many office workers pay the provident fund in the company, because they can enjoy some preferential policies whether renting or buying a house in the future. For example, through the provident fund loan, the monthly interest will be lower, so the amount of repayment will naturally be much less than others, but after the settlement, we began to pay attention to the problem of real estate license. Can I get the real estate license after the provident fund loan is settled? Why do some houses have no real estate license after buying a house? Avoid buying these houses without real estate licenses.
Can I apply for a real estate license after the provident fund loan is settled?
Go to the provident fund center to pay off the loan first, and then I'll give you a document. Take this document to the bank that runs the provident fund to apply for the real estate license. In addition, after the loan is paid off, attention should be paid to:
1. After the loan is paid off, the lender needs to go to the bank where he works, and the bank will issue the corresponding repayment certificate. This is very important, and it is the necessary material for the Housing Authority to handle the mortgage cancellation procedures.
2. When handling mortgage loans, banks usually mortgage the property. The buyer's real estate license also has a mortgage registration mark and cannot be listed and traded. Remember to cancel the mortgage registration in time once the mortgage is paid off. At this time, the lender shall go to the local housing management department with the completed mortgage cancellation application form, house ownership certificate, house ownership certificate or mortgage certificate. Only in this way can you get full ownership of the house.
3. Because many lenders are indifferent to the mortgage, they often forget to go to the property right department to cancel the mortgage after prepayment. Although the loan has been paid off, the house is still in the property right department for the record, which will bring unnecessary trouble to future housing transactions.
Why do some houses have no real estate license?
1. Why do some houses have no real estate after buying a house? The developer did not obtain the complete five certificates when selling the house. Five certificates refer to the state-owned land use certificate, construction land planning permit, construction project planning permit, building construction permits, commercial housing pre-sale permit or commercial housing sales permit. It is impossible to get a property right certificate without any of the five certificates, so buyers must not buy a house with incomplete five certificates. Many developers said that they were handling relevant documents when they sold them. If property buyers must buy, they should pay attention to the housing management department and verify whether what the developer said is true. In addition, property buyers should pay special attention to whether the property they choose is within the scope of the pre-sale permit.
2. The house quality inspection is unqualified. Why do some houses have no real estate after buying a house? According to the provisions of Article 16 of the Regulations on Quality Management of Construction Projects, construction projects can be delivered only after they have passed the acceptance test. Only after the acceptance, the developer can deliver the house to the buyer. The new house built by the developer has quality problems. If you can't pass the acceptance of the relevant government departments, you won't have the conditions to hand over the house, and you won't be able to hand over the house.
The developer mortgaged the house to others. Why do some houses have no real estate after buying a house? The developer has obtained five certificates and title certificate, but the developer has mortgaged the house to others and sold it at the same time. If property buyers buy such a house, they face greater risks. If the developer can't fulfill the due debt in time and the mortgagee demands to realize the mortgage, the buyer certainly has no property right certificate or even the right of residence. Finally, buyers can only get back the paid house price through litigation, whether it can be returned is another matter, so buyers should fully understand the housing situation before buying a house.
Can I apply for a real estate license after the provident fund loan is settled? Why do some houses have no real estate license after buying a house? For provident fund loans or other loans, as long as they are settled and lent according to the corresponding procedures, you can get the real estate license. In addition, the reason why there is no real estate license for buying a house is probably because the developer's five certificates are incomplete or the quality of the house is unqualified, and it is also likely that the house is mortgaged.
Xuhui international new city
New features:
Progress of Changde Xuhui International New Town Project | Spring Breeze Writing, * * * New Family Face.
Highlights of the project:
1. Xuhui International New City is a key project for Changde Municipal Party Committee and Municipal Government to attract investment and introduce Xuhui Group to develop Chengdong New District, and it is also a demonstration and opening-up work for Xuhui Group to strategically deploy northwest Hunan and build Changde Chengdong New District.
2. The project is located next to the municipal party committee and covers an area of about 1 1,000 mu. It will be developed in five phases with a total construction area of about 2 million square meters. It is planned to build a1.4000 m' large-scale commercial complex, in which the self-supporting shopping center exceeds1.5000 m', and a landmark building with a height of about 1.50m will be built to create a new business card for Changde City.
3. The transportation is convenient, the surrounding facilities are mature, and the community facilities include primary schools, community neighborhood committees, sports venues and children's playgrounds.
Changde Xuhui International New City
Sales reference price: refer to the starting price of 7200 yuan/_
Address: Intersection of Jianshe East Road and Beijibian Road, Wuling District, Changde City
Property telephone number: 400-8 19-6590 to 0340.
No discount for the time being