A brand-new year has begun again. There are still many people planning to buy a house this year. Provident fund loan is a good choice, so do you know where to do it? Today, taking Guangzhou provident fund loan as an example, let's introduce where to go, so that everyone can know before going.
(1) If one of the following conditions is met, it shall apply to Guangzhou Housing Property Guarantee Co., Ltd. for a loan:
1. The house purchased is a pure provident fund loan for first-hand houses located in Panyu, Huadu, Zengcheng, Conghua and Nansha.
2. The house purchased is a second-hand housing pure provident fund loan/portfolio loan.
(two) in line with one of the following conditions, you can apply for a loan from Guangzhou Housing Property Guarantee Co., Ltd. or the provident fund loan undertaking bank:
1. The house purchased is a pure provident fund loan/portfolio loan for first-hand houses located in Yuexiu, Liwan, Haizhu, Tianhe, Baiyun and Huangpu.
2. The address of the house purchased is a portfolio loan for first-hand houses located in Panyu, Huadu, Zengcheng, Conghua and Nansha.
(3) There are 17 banks undertaking provident fund loans (in no particular order).
Industrial and Commercial Bank of China, China Construction Bank, China Bank, Agricultural Bank, Guangzhou Rural Commercial Bank, Guangzhou Bank, China Merchants Bank, Postal Savings Bank, Guangfa Bank, Bank of Communications, China Everbright Bank, Huaxia Bank, Minsheng Bank, China CITIC Bank, Ping An Bank, Shanghai Pudong Development Bank and Industrial Bank.
(four) the time for accepting outlets to handle foreign business:
Guangzhou Housing Property Guarantee Co., Ltd. Time of each acceptance outlet:
1, Tianhe outlets, Liwan outlets, Huangpu outlets, Haizhu outlets, Baiyun outlets and Nansha outlets, from 9: 00 am to 12: 00 am from Monday to Friday, and from 0: 00 to 5: 00 pm from/kloc-0 (except legal holidays).
2. Zengcheng Outlets, Huadu Outlets, Panyu Outlets and Conghua Outlets, from 8: 30am to12: 00pm from Monday to Friday, and from 2: 30pm to 5: 30pm (except legal holidays).
Branches of the provident fund loan undertaking bank: specifically, the business hours announced by each branch shall prevail.
(5) The location of Guangzhou housing provident fund loan business can be directly inquired in official website.
20 16 Guangzhou provident fund center handling outlets and bank handling outlets
Handling provident fund loans in Guangzhou requires running provident fund centers and banks. So, where are the outlets in all districts of Guangzhou Provident Fund Center? What are the bank acceptance outlets for provident fund loans?
(1) Center Acceptance Network
1. Tianhe District
Tel: 85503869
Face to face telephone number: 85503925
Mortgage processing: 85503507
Service hours: Monday to Friday from 9: 00-1:30, 14: 00- 17: 00 Service address: 3rd floor, Yin San Building, Huajiu Road, Zhujiang New Town, Tianhe District, Guangzhou.
2. Liwan District
Tel: 8 1304063
Service address: Floor 2,No. Kang Wang North Road 1024, Liwan District, Guangzhou.
Service hours: Monday to Friday from 9: 00-1:30, 14: 00- 17: 00.
3.huangpu district
Consultation telephone number:
Service address: Floor 2, Huangpu Garden Skirt Building, No.302 Huangpu East Road, Huangpu District. Service hours: Monday to Friday 9: 00-1:30, 14: 00- 17: 00.
4. Zengcheng
Tel: 82689080 (Xintang) 3285 1277 (Licheng) Service hours: Monday to Friday 9: 00- 1: 30, 14: 30- 17: 00 Service address: Licheng.
5. Huadu
Tel: 3692552 1
Interview telephone number: 36935 1 12.
Mortgage processing: 86707496
Service hours: 9: 00- 1 1: 30, 14: 30- 17: 00 from Monday to Friday Service address: 5th floor, South Block, No.2/kloc-0, Gongyi Road, Xinhua Street, Huadu District.
6. Panyu
Tel: 34606606
Service hours: 9: 00- 1 1: 30, 14: 30- 17: 00 from Monday to Friday. Service address: 2nd floor, No.37 and No.39 Dexing Road, Panyu District.
7. Conghua
Tel: 37900985
Handling mortgage: 379009 13
Service time: Monday to Friday from 9: 00-1:30, 14: 30- 17: 00 Service address: No.93, He Bin South Road, Jiekou, Conghua City.
8. Haizhu District (established):
Tel: No.
Service address: Xingang West Road 162.
Service hours: Monday to Friday from 9: 00- 12: 00, 14: 00- 17: 00.
9. Baiyun District (established):
Tel: No.
Service address: Floor 2, Zhengyang Building, Airport Road 1438, Baiyun District.
Service hours: Monday to Friday from 9: 00- 12: 00, 14: 00- 17: 00.
Nansha District 10 (built):
Tel: No.
Service address: Unit 39, No.22 Jingang Avenue, Nansha District (2nd Floor, Kym Plaza) Service hours: 9: 00- 12: 00, 14: 00- 17: 00 from Monday to Friday.
(2) Bank acceptance outlets
Banks that can handle Guangzhou housing provident fund loans include: China Construction Bank, Industrial and Commercial Bank of China, Bank of China, Agricultural Bank, Bank of Communications, Minsheng Bank, Huaxia Bank, Guangzhou Bank, Guangzhou Rural Commercial Bank, China CITIC Bank, China Everbright Bank, Ping An Bank, Shanghai Pudong Development Bank, China Merchants Bank, Industrial Bank, China Guangfa Bank and China Postal Savings Bank.
Applicants can go to the branches (sub-branches) (business outlets) of the above banks in Guangzhou to handle and consult the personal housing provident fund loan business.
How to handle the Guangzhou provident fund loan?
Processing time limit
The loan application materials are complete, and the review time shall not exceed 15 working days (excluding the time for handling formalities in banks, trading departments and developers).
Handling place
The window designated by the entrusted bank.
The entrusted banks include: China Construction Bank, Industrial and Commercial Bank, Agricultural Bank, China Bank, Bank of Communications, Minsheng Bank, China CITIC Bank, Huaxia Bank, Guangzhou Bank, Guangzhou Rural Commercial Bank, Industrial Bank, China Everbright Bank, Shanghai Pudong Development Bank, Shenzhen Development Bank, China Merchants Bank, China Guangfa Bank and Postal Savings Bank.
Required materials
1. Personal housing provident fund loan application form; (original)
2. Valid certificates such as resident ID card and household registration book; (Bring the original and keep 2 copies)
3. Proof of marital status; (Bring the original and keep 2 copies)
4. Purchase contract, first purchase invoice or receipt, deposit receipt; (Bring the original and keep 2 copies)
5. Proof of income and mortgage account (the mortgage account provided by the borrower must be a local bank account opened with 18 ID card); (Bring the original and keep 2 copies)
6. "Property Certificate under Personal Name" and personal credit report; (original)
7. Other documents and materials required by the undertaking bank. (Bring the original and keep 2 copies)
Treatment process
1. Apply for provident fund loan
2. Bank preliminary examination
3. Guangzhou Housing Provident Fund Loan Center for approval
4. Get insurance and sign a loan contract.
5. Handle mortgage advance notice registration or transfer registration and mortgage registration procedures.
6. Preliminary review of bank size
7 Guangzhou housing provident fund loan center scale approval
8. Issuance of provident fund loans
Guangzhou Provident Fund Loan Center failed to approve the issuance scale.
Reasons for failure to approve provident fund loans:
1, without local permanent residence or other valid residence status;
2. The applicant does not have full capacity for civil conduct;
3. No legal and effective procurement contract or agreement has been signed;
4. The down payment for house purchase is not paid according to the specified proportion;
5. No stable occupation and income, or inability to repay the loan principal and interest on time;
6. Failing to pay the housing provident fund in full monthly in the first 6 months when applying for a loan;
7. Personal credit is not good.
8. There are other large debts that may affect the loan repayment ability;
9 to repay all kinds of housing loans (including individual housing provident fund loans to be applied for), the monthly expenditure is higher than 50% of the monthly income of the family, and the monthly income of the family is lower than the minimum living guarantee standard of this Municipality after deducting the monthly repayment expenditure.
Six elements for reconsideration of provident fund loans;
1, the original purchase contract;
2. The borrower and his spouse * * * have the borrower's provident fund account;
3. Original and photocopy of ID card, household registration book and marriage certificate;
4. A copy of the Inquiry Form of Housing Information Status under Family Name (inquired by the loan accepting institution);
5. If it is a portfolio loan, the name of the branch of the entrusted bank shall be provided;
6. Other relevant materials.
This concludes the preliminary introduction of the distribution scale of Guangzhou Provident Fund Loan Center and Guangzhou Provident Fund Loan Center. I wonder if you found the information you need from it?