I. Information required for Tianjin Provident Fund loan
1, which needs to prove that all or part of the down payment has been paid;
2. Need proof of the borrower's repayment ability.
3. Original and photocopy of the contract, agreement or letter of intent for purchasing second-hand houses.
4. The identity document requires the borrower to have legal effect: resident identity document, household registration book, military officer's card, or other valid residence permit. ;
5. Authorize the borrower and spouse to inquire about the authorization documents of the personal credit information system of the People's Bank of China;
6. The certification documents require the leased property to provide the change of the lease right.
7. A copy of the current passbook of China Bank in the borrower's own name for capital contribution;
8, housing transactions need the "real estate value assessment report".
9. Other supporting documents or materials required by the lender.
Second, Tianjin provident fund loan application process
1. Agree to provide consultation, accept application and conduct pre-loan investigation.
2. Lending approval
3. Lending
4. Loan recovery
5. Post-loan management
Three, Tianjin provident fund loan matters needing attention
Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. At present, personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans.
Four, Tianjin provident fund personal loan application conditions
1. Mortgage guarantee is the house purchased.
2. The borrower's age plus loan period requires that men should not exceed 65 and women should not exceed 60;
3. Have full capacity for civil conduct; Have permanent residence or valid residence status in China;
4. Must pay a down payment of not less than a certain percentage of the total price of the purchased house.
5. Good credit, ability to repay loan principal and interest, and stable professional and economic income;
6, has signed a contract or agreement to buy housing;
Five, Tianjin provident fund loan interest rate
Annual interest rate (%)
Personal housing provident fund loans for less than five years (including five years)? 4.00
Personal housing provident fund loans for more than five years? 4.50
The above are the matters needing attention of Tianjin provident fund loan to buy a house. Buying a house is a project that everyone in every family is looking forward to, and it is also a very important link for every homebuyer to borrow money to buy a house. I hope everyone will read it carefully and buy the house they like.
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