Consulting Changsha housing loan policy?

The first procedure: consultation 1. Consult the finance department of our unit 1. Whether my unit implements the employee housing provident fund system; 2. Inquire how many provident fund deposits I have so far; 3. Please ask the Finance Department to provide my provident fund deposit number. 2. 1 Consult the selling unit. Whether the selling unit has signed a mortgage agreement with the bank; 2, while the unit can provide loan guarantee procedures. Third, consult the loan bank 1 and ask about the procedures for applying for housing provident fund loans and mortgage loans, and what certificates and materials are needed; 2. Where to go to go through the relevant loan application procedures; 3. Ask how long it will take from the beginning of application to approval to the issuance of housing loans; 4. Inquiring about the handling fee; 5. How many loan lines and years can you apply for; 6. How to calculate the interest rates of provident fund loans and mortgage loans? Step 2: Apply to the bank for provident fund loans and mortgage loans (portfolio loans) and provide the following certificates and materials to the lending bank. 1. Relevant certificates and materials for applying for housing accumulation fund 1, the original and photocopy of the household registration book and ID card of the borrower, spouse and eligible immediate family members who participated in calculating the loan amount. If the borrower and spouse are not in the same household registration book, a marriage certificate shall be provided; 2. The borrower and his personal housing provident fund account involved in calculating the loan amount; 3. The original of Changsha Domestic Commercial Housing Sales Contract (hereinafter referred to as Xianfang) or Changsha Domestic Commercial Housing Pre-sale Contract (hereinafter referred to as Faster) signed by the borrower and the selling unit; 4. Provide a copy of the business license of the selling unit and a copy of the domestic house pre-sale permit in Changsha (auction house) and a copy of the real estate license (existing house); 5. Provide the transfer bank account number of the house payment settlement unit; 6. Self-raised funds, accounting for more than 20% of the total house price. If the house price has been paid, the original and photocopy of the payment shall be provided; 7. If the loan is used for the construction, renovation or overhaul of owner-occupied housing, the approval document, valuation sheet or budget sheet of the urban construction planning department shall be provided. 2. To apply for a mortgage loan (mortgage loan) from a bank, you need to provide the following documents and materials: 1, the original and photocopy of the household registration book and ID card of the borrower and spouse, and the marriage certificate if the borrower and spouse are not in the same household registration book; 2. The original of Shanghai Domestic Commercial Housing Sales Contract or Shanghai Domestic Commercial Housing Pre-sale Contract signed by the borrower and the seller; 3. Provide a copy of the "Shanghai Real Estate Ownership Certificate" or "Shanghai Domestic Commercial Housing Pre-sale Permit" issued by the Shanghai Real Estate Administration; 4. Provide self-raised funds of more than 30% of the total house price, and provide the original and photocopy of the payment if it has been paid to the selling unit; Step 5 provide ...