Handling places of provident fund loans: offices and management departments of housing provident fund centers around the country, and offices of major banks such as China Construction Bank, Industrial and Commercial Bank of China, Bank of China and Agricultural Bank that handle housing provident fund collection business.
Housing purchase process with provident fund loan
First confirm with the provident fund center whether you are qualified to use provident fund loans to buy real estate.
First of all, we must confirm with the provident fund center whether we are qualified to use provident fund loans to buy real estate. Many places have certain requirements for buying a house with provident fund loans, such as the payment time of provident fund, the amount of provident fund loans, and the number of provident fund loans. You can only apply for a loan if you meet the conditions for applying for a provident fund loan.
Second, choose the property you want to buy and apply for a loan from the provident fund center.
When we are sure that we can use the provident fund loan to buy a house, we can choose the property we want to buy. After determining the property you want to buy, you can apply for a loan from the provident fund center and provide relevant materials according to the requirements of provident fund loans.
Third, the provident fund center approves loans.
After the provident fund center receives the loan application, it will examine and approve our loan application. Provident fund loans review the authenticity of users' credit information, income and purchase of real estate. Those who meet the conditions of provident fund loans will be approved.
Fourth, go to the real estate transaction center to handle the real estate transaction procedures.
After the provident fund loan is approved, we need to go to the real estate transaction center to handle the real estate transaction procedures, mainly including paying taxes and fees, real estate transfer and other procedures. The transaction procedure of real estate is a very important part of the provident fund loan to buy a house. If the property cannot be transferred, the provident fund loan will be cancelled. If the property can be transferred normally, the provident fund loan can be issued smoothly.
Fifth, the provident fund center issues loans.
When we complete the real estate transfer transaction, we need to submit the relevant documents of real estate mortgage to the provident fund center, which will review the relevant materials after receiving them. After the approval of the provident fund center, the provident fund center will issue loans, which will go to our personal account first, and finally pay the money to the seller by entrusted payment.
legal ground
Regulations on the administration of housing provident fund
Twenty-fourth employees in any of the following circumstances, you can withdraw the balance of storage in the employee housing provident fund account:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
(six) the rent exceeds the prescribed proportion of family wage income.
In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.
If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.
Second, how to apply for provident fund app hedging?
Step 1: Search, download and install the "mobile phone provident fund" client through the mobile phone mall. After downloading, log in to the housing provident fund management center interface. You can choose Alipay login, brush face login or register login.
Step 2: Enter the business processing page and click the hedging contract to enter the processing page.
Step 3: Upload the front and back of your ID card on the page, and click Submit Center for approval.
Step 4: Enter the monthly hedging signing page, enter personal information, and click Submit Center for approval.
3. Where can I apply for a provident fund loan?
Calculate how much it will cost to decorate your home. At present, most units pay housing provident fund for employees, which is a very good welfare for those who need to buy a house. The interest rate for choosing provident fund loans is much lower. So, where can I apply for a provident fund loan? Maybe many friends are not very clear about the relevant knowledge when they buy a house for the first time. Let's learn it at once.
1. Where can I apply for provident fund loans?
Go to the provident fund management center, that is, the local provident fund management office, including the municipal provident fund, the directly affiliated unit provident fund and so on. However, the policies and requirements of housing provident fund management centers around the country for individual housing provident fund loans will be different. Consult the provident fund loan business outlets or consult the local provident fund management center for details.
Second, how to apply for provident fund loans
1. application
The applicant shall submit an application to the management center in accordance with the local provident fund loan system and provide relevant information on the loan.
2. First instance center
After receiving the lender's application, the provident fund management center comprehensively examines the borrower's loan qualification, amount, term and information, and puts forward opinions.
3. Credit investigation
After the preliminary examination, the undertaking bank conducts a credit investigation on the borrower. See if the applicant's personal credit report meets the requirements. If there is a bad credit record on the credit report, it is very likely that the loan will be refused.
4. Sign a loan contract
If you pass the bank's audit, you will receive a notice from the bank and sign a loan contract. The borrower holds the ID card, household registration book, bank account number and other loan materials, and goes through the formalities for signing the loan contract.
5. Insurance and mortgage registration procedures.
After signing the contract, the borrower shall go through the insurance and mortgage formalities according to the loan requirements.
6. Loan allocation
After the mortgage registration is completed and the loan contract comes into effect, the bank will transfer the loan money to the account designated by the borrower on the agreed date, and the borrower will receive the loan receipt.
Here is to introduce the address and loan application process for provident fund loans. I hope it will help everyone. If you need to apply for provident fund, you may wish to refer to relevant knowledge.
4. Where is the place to apply for provident fund loans?
Provident fund loan:
Materials required for housing provident fund loans:
1. Household registration book of the borrower and his spouse;
2. Resident identity cards of borrowers and their spouses;
3. Proof of the marital status of the borrower;
4. Proof of down payment for house purchase;
5. The credit status report of the borrower and his spouse printed by the bank;
6. Housing sales contracts or agreements that meet the legal requirements.
Housing provident fund handling conditions:
1. Individuals and their units must pay the housing accumulation fund continuously for one year;
2. The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan;
3. If the borrower purchases a commercial house, it shall not be less than 30% of the total house price.
Housing accumulation fund handling process:
1. The lender prepares relevant materials, fills in the loan application in the bank and submits the materials;
2. After receiving the application, the loan bank shall confirm and review the information;
3. After the audit, the lending bank will contact the lender and sign relevant contracts;
4. For bank loans, the lender shall fulfill the repayment obligations.