How to borrow the housing provident fund loan in Huangshi, Hubei Province? What are the requirements? Many problems have always been the concern of buyers. The following are the specific steps.
Procedures In order to standardize the loan behavior and safeguard the safety and interests of the owners of housing provident fund, this operating procedure is formulated according to the Interim Measures for Housing Provident Fund Loans for Employees in Housing Provident Fund City.
I. Basic Information of the Borrower Any domestic employee who has paid the housing provident fund normally for more than one year and meets the following conditions may apply for a housing provident fund loan.
1, with permanent residence or valid residence identity certificate in Huangshi City (including daye city and Yangxin County);
2. Have stable professional and economic income, good credit and the ability to repay the principal and interest of the loan;
3, with the purchase, construction and repair of housing and building approval documents;
4, its own funds not less than 30% or 50% of the total price;
5. Agree to handle the housing mortgage loan and home insurance with the lender's compensatory unit or individual as the guarantor;
6. Lender or entrusted bank
Second, provide advice.
1. The borrower holds the house purchase certificate, spouse ID card and housing provident fund deposit certificate to consult, apply and register with the loan management section of Huangshi Housing Provident Fund Management Center or the management department of Daye Office.
2. Loan management grid to calculate the loanable amount. To meet the loan conditions, the borrower shall issue the "Huangshi City Employee Housing Provident Fund Loan Application Approval Form" in triplicate.
Three. When accepting the application, the borrower shall submit the completed "Huangshi Employee Housing Provident Fund Loan Application Approval Form" and the following supporting materials to Huangshi Housing Loan Management Department as required:
1, proof of household registration and marital status (both original and photocopy) in duplicate.
2. Proof of economic income and payment of housing provident fund issued by the borrower's husband and wife units (original provided).
3, the purchase of housing, should provide the legal provisions of the purchase contract or agreement, planning, land management department approval documents (provide the original and copy).
4. When purchasing a house, you must provide a down payment invoice or receipt of not less than (50% of the appraised price of the second-hand house), and your own funds for self-built and overhauled houses should be not less than 50% (original and photocopy provided) in duplicate.
5. List of mortgaged (pledged) items, certificate of ownership of the purchased house, certificate of consent of the person who has the right to dispose of the mortgage (pledge), and mortgage evaluation certificate issued by the department with evaluation qualification.
6. The guarantor agrees to provide written documents and credit certificates for loan guarantee.
7. Other supporting materials required by the lender and the entrusted loan bank. The handling personnel shall check the information and certification materials provided by the borrower. If the copy is consistent with the copy, the copy shall be stamped with the seal "This copy is consistent with the original", and the borrower shall sign it to confirm the authenticity of the copy according to the handprint, and the original shall be returned to the borrower. The borrower shall sign the application form for employee housing provident fund loan in Huangshi City and press the handprint with the manager.
Four, before the loan investigators to investigate and verify the authenticity and legality of the information provided by the borrower, the main contents are:
1. Whether the borrower meets the basic conditions for housing provident fund loans;
2. Whether the borrower has full capacity for civil conduct;
3. Whether the real purpose, loan amount and term of the borrower's application for housing loan are reasonable;
4. On-site investigation and verification of the mortgage and pledge provided by the borrower or guarantor;
5. Investigate the borrower's social credit status. Find out whether there are gambling, drug abuse, alcoholism and other bad habits;
6. Investigate and verify the income of family members and evaluate their repayment ability.
Verb (abbreviation of verb) loan approval
1. After careful investigation and verification of the borrower, the handling personnel signed a clear opinion on the Application and Approval Form for Employee Housing Provident Fund Loan in Huangshi City, and put forward suggestions on loan amount, term and guarantee method.
2. The person in charge of the loan management department conducts comprehensive and serious analysis, evaluation and determination according to the preliminary examination opinions of the manager and the information provided, and submits the opinions to the leading group for examination and approval after signing them.
3, the loan review leading group according to the submitted materials and preliminary examination opinions, in accordance with the "Huangshi city housing provident fund loan approval leading group working rules" held a special meeting, collective discussion, the formation of concluding observations. The director of Huangshi Housing Provident Fund Management Center or the entrusted deputy director (approver) signed the final opinion on the "Huangshi Employee Housing Provident Fund Loan Application Approval Form".
4. The handling personnel shall notify the borrower of the examination and approval opinions in a timely manner, and issue the Notice of Entrusted Loan of Housing Provident Fund to the entrusted bank, and handle the loan procedures for those who agree to issue loans; For those who do not agree to grant the loan, explain the reasons and return the relevant materials to the borrower (the loan handling personnel shall give the borrower a formal reply within 15 working days from the date of receiving the borrower's loan application and materials that meet the loan conditions).
Intransitive verbs sign contracts.
1. Huangshi Housing Provident Fund Management Center and the entrusted loan bank sign a loan contract with the borrower.
2 Huangshi Housing Provident Fund Management Center signs a mortgage contract, pledge contract or guarantee contract with the mortgagor, pledger or guarantor.
3. The borrower shall handle the mortgage (pledge) registration formalities with relevant materials and contracts, and the borrower of the mortgaged house shall also handle the real estate insurance.
4. After the mortgage (pledge) registration is completed, the mortgagor shall hand over the house ownership certificate or pledge registration certificate to the loan management department of Huangshi Housing Provident Fund Management Center for safekeeping.
Seven. entrusted loan
1. According to the annual loan plan, the loan management department and the financial management department will issue the Housing Provident Fund Entrusted Loan Plan Distribution Sheet (in triplicate) to the entrusted bank on the principle that the borrower's provident fund is deposited in which bank and which bank is conducive to repayment, and the loan approver will sign it.
(The above answers were published on 20 13-08-22. Please refer to the actual situation for the current purchase policy. )
Sohu Focus Network provides you with comprehensive information such as real estate information, real estate details, purchase process, owners' forum and home decoration.
Second, what are the conditions for the decoration loan?
Buying a house is the goal of many big city people, but now the house price is very expensive, and all the savings are taken away just by the down payment. In fact, you can apply for a decoration loan, so how to borrow a decoration loan? What are the requirements? The following small series will bring you relevant content sharing, and interested friends will have a look. Decoration loan conditions: having local permanent residence and legal and valid identity certificate; Have a legitimate occupation, have a fixed residence in the local area, have a legal and valid identity certificate and a stable income, and have the ability to repay the principal and interest of the loan when due; The borrower can provide relevant asset certificates, etc. For newly purchased houses, information such as house sales contracts shall be provided; Other conditions stipulated by the cooperation organization. It should be noted that the money from the bank decoration loan cannot be withdrawn, and the bank will directly transfer the decoration loan to the designated decoration company account, so that it can be used for special purposes. Banks do this to prevent borrowers from misappropriating loans for other purposes, resulting in unpredictable risks. The state can also control the flow of funds in this way, so as to better control the direction of economic development. The above is the introduction of how to borrow decoration loans and what conditions are needed. I hope it will help everyone.
3. What materials do I need to apply for a decoration loan?
To apply for a decoration loan, you need to submit the following materials:
1, valid ID card, certificate of permanent residence issued by neighborhood committee, and confirmation of my identity and permanent residence;
2. Proof of professional and personal income issued by the unit, proof of stable work for more than six months in a row (or proof of personal repayment ability);
3. Real estate certificate of real estate mortgage (required for mortgage loan);
4. Confirm the bank deposit statement and water and electricity tax bill to confirm their credit quality;
5. The decoration project contract signed with the decoration enterprise, the purchase certificate of decoration materials and other materials, and confirm the purpose of the loan;
6. A copy of the business license and qualification certificate of the decoration enterprise to confirm whether the partner is within the prescribed scope;
7. Other conditions required by banks or financial institutions.