My answer is: both husband and wife have provident fund. When we buy a house, we are unlikely to make a one-time payment because of the high price of the house. Ordinary families need loans because the interest rate of provident fund loans is low. Therefore, as long as we have a work unit and the unit pays the provident fund regularly, we can get a provident fund loan. Both husband and wife have provident fund, so one party can get a loan and the other half can add a loan number. Thank you?
2. What are the conditions for the provident fund loan of both husband and wife?
Legal analysis: The conditions for both husband and wife to apply for provident fund loans are as follows: 1. Both parties must pay the provident fund and there is a certain amount in the provident fund account; 2. The time limit for both parties to pay the provident fund must be more than one year; 3. At present, neither party needs to return the provident fund loan; 4. The real estate license purchased by the provident fund loan must have the names of both husband and wife; 5. Both husband and wife must provide marriage certificates when applying for provident fund loans; 6. If the work unit wants to give the borrower a provident fund, then the borrower has a provident fund account; 7. So far, there are no outstanding provident fund loans. 1. Both husband and wife must have paid the provident fund and have a certain amount of housing provident fund in the housing provident fund account; 2. Both husband and wife must continuously deposit housing provident fund 1 year or more; 3. So far, neither husband nor wife has any housing provident fund loans to repay, that is to say, neither has borrowed housing provident fund nor paid off the previous loans; At the time of application, the conditions that need to be met are: both parties must pay money and there must be a certain balance in the account. It will take more than one year to pay. Neither party has any provident fund debt to repay. The real estate license is the name of both husband and wife. Need a marriage certificate. Both parties shall provide provident fund account numbers. Neither party has outstanding provident fund loans. Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund, employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant the loan within fifteen days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.
Third, Shanghai buys a second-hand house, and the provident fund and commercial loan are prepared for two people to borrow together, whether they are husband and wife. ...
The premise is that the provident fund loan has been paid continuously for 12 months (including portfolio loans): 1, the property owner's ID card and * * *( 16 years old without an ID card must bring a birth certificate); 2, housing property owners and * * * household registration book; 3. Provident fund deposit receipt (if both husband and wife have provident funds, they can be paid at the same time, and the loan amount is accumulated); 4, single certificate or marriage certificate (single certificate depends on the requirements of the bank, some can be issued by the unit, some to be issued by the Civil Affairs Bureau, and divorce is a divorce certificate); 5. Proof of income (if the monthly repayment amount is more than 2 times, and there are 2 or more property owners or * * * owners, the accumulated income can also reach 2 times); 6. Sales contract (the commercial house is the original, and the second-hand house is the sales contract held by itself); Materials to be prepared for second-hand houses: 1. Bring the original real estate license and a copy of the land certificate. 2. Identity cards of the seller's property owner and * * * * owner. Remarks: If married, the wife or husband must be present and sign with the bank. If the property owner or * * * someone can't be present, if he entrusts others, the power of attorney shall be notarized at the notary office above the municipal level. If the second-hand house is a personal loan, it is relatively troublesome. Either find a guarantee company and pay the 800 yuan guarantee fee, so that the next payment will arrive soon. Or run the bank yourself, and the next payment is slow. The above information must be the original of the bank inspection.
4. What is the bidding process of Shanghai provident fund loan?
Shanghai provident fund loan application process:
The borrower applies for a loan at the acceptance branch-the acceptance branch handles the inquiry of the property status under the family name-the acceptance branch accepts-signs a contract-examines and approves-the real estate trading center handles the mortgage registration formalities-and the bank lends money.
I. Mortgage loan process of fund-raising house:
1. Material requirements for mortgage loan:
(1) The original and two copies of the Notice of Room Number Allocation and Payment.
(2) The pre-loan adjustment table of housing provident fund entrusted loan is attached, which can also be downloaded from the homepage of oilfield local area network provident fund)
③ Marriage certificate (or proof of marital status) and two copies.
④ The original and two copies of the ID cards of the borrower and spouse.
(5) The original and two copies of the joint card of the borrower and spouse's provident fund;
2. Apply for a loan by the provident fund management center and issue a "credit report" for myself and my spouse at the bank designated by the provident fund center;
3. The borrower shall fill in the Application Form for Housing Provident Fund (Entrusted) Loan with the fund-raising house payment notice, phased guarantee and credit report to the provident fund center, and after the approval of the center, determine the loan folder for individual housing provident fund loans, and issue a loan acceptance notice;
4. The borrower shall pay the house price to the adjustment center of the real estate intermediary company with the loan acceptance notice, and the adjustment center shall calculate the difference with the loan amount determined in the loan acceptance notice, collect the balance from the employees, sign an agreement with the employees to raise funds for building houses, and issue a mortgage certificate for the faster house.
5, "personal housing provident fund loan folder", to the designated bank for housing loans related procedures, the bank and employees signed a loan mortgage contract, personal loan payment vouchers, entrusted mortgage registration documents. ;
6. The bank will fill in the complete information and submit it to the center for review, and the center will send the Lending Notice of Entrusted Loan together with the loan information to the entrusted bank. The bank will remit the employee loan to the account designated by the real estate, and the borrower will go through the remaining procedures at the real estate with the personal loan payment voucher.
7. Since the second month of loan issuance, the borrower shall repay the loan principal and interest on time every month as stipulated in the loan contract. After the borrower normally repays the loan principal and interest for three months, he can apply to the center to repay the monthly loan principal and interest with the monthly housing provident fund paid by himself and his spouse.
8. After the borrower has paid off all the principal and interest of the loan, he shall go through the mortgage registration formalities with the real estate mortgage registration department with the supporting materials issued by the bank.
Two, the borrower directly to the city capital center to apply for a loan process.
The first step is to consult in the center and get the application form: the buyers and sellers of the house and their spouses (unmarried or divorced, they should issue certificates) pre-register in the city financial center, and get the application form for provident fund loan in the name of the seller with the original house ownership certificate, state-owned land use certificate, household registration book, ID card and marriage certificate.
Step 2: The borrower shall submit the following loan information to the municipal capital center:
(a) the provident fund loan application form;
(two) proof of provident fund deposit (or housing provident fund account book) and proof of economic income;
(three) the evaluation report of the purchased house;
(4) The Purchase Contract of Stocking House signed by the Buyer and the Seller;
(5) Real estate license and state-owned land use certificate in the name of the original seller (original and photocopy);
(six) the husband and wife's identity card, residence booklet, marriage certificate (original and photocopy, single workers should provide proof of single. )
Step 3: Acceptance and approval by the "center": the municipal capital center accepts the information of loan applicants, and determines the loan amount and term after approval.
The fourth step is transaction transfer: the buyer and the seller go to the real estate bureau and the Land and Resources Bureau to handle the transfer procedures of the "two certificates" transaction.
Step 5: Sign the contract: the borrower holds the transferred "two certificates" and deed tax payment invoice (original and photocopy), the municipal capital center issues a loan commitment letter to the designated bank, signs loan documents such as loan contract and mortgage contract, and the seller opens a special deposit account in the loan bank.
Step 6: Mortgage: The borrower goes to the real estate bureau to register the mortgaged house and get the real estate license.
Step 7: Lending: After all the loan procedures are completed, the municipal capital center will directly transfer the loan funds to the deposit account opened by the seller through the bank.
Step 8: Monthly repayment: The borrower repays the loan principal and interest on a monthly basis according to the loan contract until the loan is fully paid off.
Step 9: Settle the loan: After the borrower settles the last loan, I personally go to the loan bank and go through the repayment settlement procedures at the counter.
Step 10 Mortgage Cancellation: After the borrower has repaid all the loan principal and interest, he shall go through the mortgage registration cancellation formalities with the original real estate mortgage registration department with the settlement certificate and mortgage cancellation certificate issued by the loan bank, the original house purchase contract or real estate license and personal ID card.
3. How long does the housing provident fund loan process take?
The applicant and * * * make an appointment with the applicant online, and then go to the service hall of the central management department with the application materials. After being accepted in the service hall of the central management department, it is waiting for approval, and the approval time is within 5 working days. Within 5 working days after approval, sign the contract at the bank station in the service hall of the central management department.
The borrower and the entrusted bank shall go through the relevant lending procedures and issue the loan. Finally, the borrower can go to the bank counter in the service hall of the central management department to get relevant information.
Because there are small differences in provident fund loans in different places, the above is just the usual process in general areas, so if you want to know more about the provident fund loan process, I suggest you contact the local provident fund center directly, and they will give you a detailed and comprehensive answer.