First, the required materials:
1, ID cards and household registration books of the applicant and the property owner;
2. Commercial housing sales contract;
3. The paid self-raised down payment voucher is generally the down payment invoice;
4. Proof of income of the applicant and spouse;
5. Proof of marital status of the applicant and spouse (including single certificate);
6. Other required materials.
A copy of the above information is required, and the original should be brought with you when applying for and signing the contract for inspection.
Second, the provident fund loan steps
1. Calculate the loan amount and term.
Employees who apply for provident fund loans can consult and handle matters through developers, loan undertaking banks or housing provident fund centers.
Step 2 apply for a loan
When purchasing a house, employees must apply for a loan from the provident fund loan undertaking bank, provide a copy of the above-mentioned required materials and bring the original for inspection.
Step 3 sign a contract
After the loan application is approved, sign the loan contract at the provident fund service hall as required.
4. Go through the formalities of house purchase transaction and mortgage registration.
5. Bank loans
After completing the mortgage formalities, the loan undertaking bank will lend money to the applicant according to the loan contract, and the funds will be directly transferred to the account designated by the developer. Second-hand housing provident fund loan
First, the required materials
1, ID cards and household registration books of the applicant and the property owner;
2. Commercial housing sales contract;
3. The original of the purchased second-hand house property certificate and state-owned land use certificate.
4. Proof of income of the applicant and spouse;
5, the real estate price evaluation results
6. The transfer account certificate issued by the seller.
7. Other materials required by the Provident Fund Center.
Second, the provident fund loan steps
1. Applicants for second-hand housing provident fund loans can go to the provident fund management center or the loan undertaking bank to consult related matters and evaluate the loan amount and term.
2. The loan applicant receives the application form, etc. And fill in it carefully and truthfully, and submit relevant application materials. After the approval of the provident fund management center and the loan undertaking bank, the evaluation results will be issued. 3. Price evaluation
The loan applicant shall entrust the real estate price appraisal institution designated by the provident fund management center to evaluate the purchased real estate.
Step 4 pay a down payment
After the evaluation structure comes out, the loan applicant must deposit the self-raised down payment fund exceeding the loanable amount into the designated account, and submit it to the provident fund management center or the loan undertaking bank after obtaining the deposit certificate.
5, provident fund center for loan application review.
Step 6 sign a contract
The loan applicant completes the signing of the loan contract in the designated provident fund service hall.
7. Handle the formalities of second-hand house property right transfer and mortgage registration.
8. The loan undertaking bank lends money to the applicant according to the loan contract and directly transfers it to the account designated by the seller. ?
(The above answers were published on 2016-12-12. Please refer to the actual situation for the current purchase policy. )
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