Application Conditions for Provident Fund Mortgage Loan _ Provident Fund Loan Consultation
1. To apply for provident fund mortgage loan, the following conditions shall be met:
(a) with permanent residence in cities and towns;
(two) my housing provident fund has been paid in full and on time to the housing provident fund management center under the jurisdiction of the place of residence for more than half a year;
(3) Having a stable occupation and income and the ability to repay the principal and interest of the loan;
(four) there is a contract or agreement for the purchase of housing, and the down payment is not less than 30% of the value of the purchased housing;
(five) overhaul of its own housing, should issue a certificate of ownership of its own housing;
(six) there are assets recognized by the housing provident fund management center as collateral or pledge, or units or individuals with sufficient compensation capacity as guarantors;
(seven) other conditions stipulated by the housing provident fund management center.
Second, the provident fund loan consultation:
Recently, some buyers asked about the pre-sale permit. Can I apply for a housing provident fund loan without a pre-sale permit? For this problem, mortgage consultants believe that the pre-sale certificate is the last of the five certificates. In other words, the five certificates of the property are incomplete. Whether it is a village in the city or a commercial house, it is necessary to obtain a pre-sale certificate for listing and sales, otherwise it will not be eligible for legal sales. For property buyers, there are certain risks in the project with incomplete purchase documents. First of all, the online signing can not be realized, which will also affect the handling of real estate licenses in the future. Because the five certificates of real estate are incomplete, you can't use provident fund loans.
Remarks: Compared with ordinary commercial loans, the procedures of housing provident fund loans are relatively complicated. First, the applicant must meet the conditions for applying for a loan, and the unit where he works provides relevant information. Lenders go to the housing provident fund management center to make relevant inquiries and applications. The procedures are relatively cumbersome, and the specific time of this process mainly depends on the lender's own grasp. To apply for a new house provident fund loan, you need to go through the relevant filing procedures of the corresponding loan property in the real estate bureau and the provident fund center. Only after successful filing can you apply for provident fund loans, and unregistered properties cannot apply for provident fund loans. And it will take longer for individuals to apply for provident fund loans. Therefore, it is suggested that friends who need to use the housing provident fund for mortgage loans should prepare the required information and understand the bank policy in time, which will shorten the time for you to apply for mortgage loans.
Warm reminder: because the information and procedures required by banks for housing mortgage loans are different; Due to different local policies, please ask friends such as buyers or owners to take local policies and the latest information of banks as the standard. Please call your local bank for details.