Hello, Ailou. Com has a professional answering room to evaluate your questions. 2. The applicant goes to the consultation window of the service hall of the Provident Fund Center to receive or log in and download the "Application Form for Housing Provident Fund Loan in Fuzhou" and affix the official seal of the unit. 3. The buyer and the seller go to the provident fund loan window of the host bank for fund custody. 4. Bring the application materials to the comprehensive business window of the provident fund service hall, and transfer to the preliminary examination. 5. The Provident Fund Center will review the accepted materials. After approval, it will be transferred to approval. 6 provident fund center will examine and approve the audit materials. 7. The bank will reply, register the mortgage 10, transfer the property 1 1, issue the loan 12, and repay the loan on time; Clearing households.
Second, Fuzhou second-hand housing transaction process?
Second-hand housing one-time payment transaction process:
First, when signing a sales contract, the buyer and the seller should stipulate the transaction price, ancillary facilities, payment method, time to vacate the house, deposit for delivery of the house, liability for breach of contract, etc. , and the buyer shall pay the down payment;
Second, according to the contract, the buyer pays the seller the full amount of the house price;
3. The buyer and the seller bring their ID cards, household registration books, marriage certificates, real estate licenses, land use certificates or real estate licenses to the Housing Authority to sign a sales contract, then pay the deed tax in the local tax, and finally complete the transfer in the real estate registration center.
Fourth, according to the contract, property transfer.
Supplement: The transfer of second-hand houses is charged according to the local tax guidance price, and charged according to the following proportions:
Below 90 flat, deed tax 1%, above 90 flat, deed tax1.5%;
The value-added tax is about 4.76%, which can be reduced or exempted after 2 years;
Personal income tax 1%, which proves that it is the owner's only house for 5 years and can be reduced or exempted;
The above is the first suite, the area of the second suite is less than 90 square meters, the deed tax is still 1%, and it is 2% above 90 square meters. Everything else is the same; For three suites and above, the deed tax is levied at 3%.
Third, Fuzhou second-hand housing loan process
Mr. Wang of Fuzhou feels that his economic conditions are average and he can't afford a first-hand house, so he wants to borrow money to buy a second-hand house. But I heard that this process is complicated and I don't understand it, so I sorted out the process of buying a house with a second-hand house loan in Fuzhou, hoping to help people who want to buy a second-hand house with a loan. Fuzhou second-hand housing loan process: 1. After buying the candidate's house and asking about relevant information, sign a house sale agreement or a house sale contract with the seller; 2. If the purchaser meets the loan conditions, he shall apply for a loan from the loan bank and provide relevant certification materials (identity certificate, income certificate, etc.). ); 3. The buyer and the seller go to the appraisal institution recognized by the loan bank to appraise the house; 4. The law firm shall identify, investigate and analyze the borrower's credit certification materials and evaluation reports, and issue legal opinions; 5, the loan bank for approval, and notify the borrower after the approval is successful; 6. The buyer and the seller go through the formalities of property right transfer, and after the transfer, the borrower goes to the bank to go through the loan formalities; 7. The borrower signs a second-hand housing mortgage loan contract with the loan bank; 8. The buyer and the seller shall send the transferred house ownership certificate to the loan bank for mortgage registration; 9. After the loan contract comes into effect, the lending bank lends money according to the loan contract; 10. The borrower repays the loan principal and interest in full every month; 1 1. The borrower pays off the loan principal and interest and cancels the mortgage guarantee.
4. What are the procedures and necessary preparation materials for Fuzhou second-hand housing loan?
First, the purchase of second-hand housing mortgage transaction basic operation process
1. Determine the mortgage service company and loan scheme.
Before handling the loan, the borrower first needs to determine the mortgage service company with the intermediary, and consult with the mortgage service company to determine the loan plan.
2. Inquire about provident fund (if provident fund loans are needed)
After the borrower and the seller confirm their intention to buy a house, they will provide the account number of the provident fund, and the mortgage service company will inquire about the provident fund to determine the loan amount and loan term.
3. Sign a house sales contract.
The borrower and the seller sign a house sales contract. Due to the different requirements of the trading center, the houses in Jiang 'an, Jianghan, Qiaokou and Hongshan need to be transferred to the trading center in this area after the contract is signed.
4. Prepare loan information and review loan eligibility.
The mortgage service company shall assist the borrower to prepare the loan information according to the requirements of the bank, and some houses need to be appraised by an appraisal company; And the mortgage service company will conduct a preliminary audit.
5. Sign loan agreement, notarization and insurance.
The mortgage service company will submit the loan information after the preliminary examination to the loan bank for review. After approval, the mortgage service company will arrange for the borrower to sign a loan agreement with the bank and notarize the agreement, and collect fees, including home insurance fees.
6. Handle the house transfer and mortgage procedures.
The borrower goes to the transaction center in the district where the house is located to handle the house transfer and mortgage procedures, and submits the mortgage receipt to the loan bank through the mortgage service company.
7. Apply for real estate license and mortgage certificate.
After the lender's real estate license and other rights certificates are issued, the mortgage service company will submit a copy of your real estate license and the original of other rights certificates to the bank.
8. Bank loans
After the bank receives the above two certificates from the borrower, the mortgage service company will issue the loan amount to the borrower.