Now many areas are building new commercial housing one after another. If you have a provident fund under your user name and meet the loan conditions, you can choose to apply for a provident fund loan. The regulations in each region are different. Today, taking Changchun as an example, the conditions of provident fund loans for purchasing new commercial housing are introduced. Details are as follows.
First, Changchun provident fund loan application conditions
1, with legal and valid identity documents;
2. Have full capacity for civil conduct;
3. Have the ability to repay the loan principal and interest;
4. Being the owner of the self-occupied house and having relevant supporting documents, pay the down payment for the house purchase according to the specified proportion;
5. The Borrower or the Borrower * * * have paid the housing accumulation fund in full and continuously according to the regulations 12 months or more (inclusive);
6. The development enterprise of the real estate owned by the house purchased by the borrower has signed a provident fund loan cooperation agreement with the center;
7, in line with other conditions stipulated by the state and the housing provident fund management committee.
Two, Changchun provident fund loan application materials
1, 2 copies of ID card (copy on A4 paper);
2. Two copies of the first page of the household registration book, the first page of the household, the borrowing page and the same borrowing page of * * *;
3. 2 copies of marriage certificate (marriage certificate, divorce certificate, judgment or civil mediation) and 2 copies of single statement (original);
4. Two copies of the borrower's entrusted bank repayment card (debit card);
5. Two originals of the commercial housing sales contract;
6. Two copies of the down payment receipt issued by the real estate development enterprise;
7.* * * If the borrower pays the housing provident fund in a different place, it is necessary to provide the proof of the payment and use of the housing provident fund for employees with loans in different places and the details of the payment of the provident fund.
What are the requirements for college students' entrepreneurial loans in Changchun?
The condition for college students to start a business loan is to start their own business within five years (including five years) from the date of graduation from ordinary colleges and universities.
Hold business license, applicant's ID card, household registration book, graduation certificate, credit report (applicant and spouse) and guarantor's ID card (real estate license, homeowner's ID card) to the business guarantee loan office of Changchun Employment Bureau. Address: Floor 4, Block A, Changchun Human Resources Industrial Park, at the intersection of Xincheng Street and Tianfu Road, Jingyue Development Zone.
What is the handling process of Changchun portfolio loan? How long does it take for general approval?
When buying a house, many people will go through the loan link, because most people don't buy a house in full, but borrow money to buy a house. At present, there are many loan methods, including provident fund loans, commercial loans and portfolio loans. Then, let's take a look at the process of Changchun portfolio loan. How long will it take for Changchun portfolio loan to be approved?
When buying a house, many people will go through the loan link, because most people don't buy a house in full, but borrow money to buy a house. At present, there are many loan methods, including provident fund loans, commercial loans and portfolio loans. Then, let's take a look at the process of Changchun portfolio loan. How long will it take for Changchun portfolio loan to be approved?
1. What is the processing flow of Changchun portfolio loan?
1. The borrower applies for housing provident fund loans to the real estate credit department of CCB in all districts and counties with a copy of the house purchase contract and the developer's housing sales license, ID card, housing provident fund savings magnetic card and seal (if the husband and wife use housing provident fund loans, they must also bring a marriage certificate or other proof of the relationship between husband and wife) and fill out the Application Form for Personal Housing Provident Fund Loans (Combined Loans).
2. According to the information provided by the borrower, the loan bank examines whether the borrower meets the loan conditions, calculates the loan amount and determines the loan term. After examining the borrower's application, the loan bank signs a loan contract and a mortgage contract (or a pledge contract without housing guarantee) with the bank.
3. After the loan contract is signed, there are two ways to guarantee the housing provident fund loan (portfolio loan) to the relevant departments. The borrower can choose any one of them according to his actual situation. The borrower can pledge its own, * * own or third-party property, bank time deposit certificates and other securities recognized by the lending bank, and the borrower will take these securities to the lending bank for safekeeping.
2. How long does it take to approve the Changchun portfolio loan?
1. It usually takes 7- 10 working days to submit spare parts and funds to the buyer and seller for approval. Lending time: the process of group loan is to issue the certificate first and then lend money. Generally speaking, it takes 45 working days for approval, but at present, banks are short of money and take longer.
2. Generally, after all the formalities are completed, the handover will be completed to see if you have any special requirements, but you need to communicate with the seller. On the day of transfer, the buyer and the seller go to the bank to sign a commercial loan contract, and then the buyer and the seller go to the exchange to handle the transfer procedures.
3. After signing the commercial loan contract, the original passbook of the buyer and the seller must be left in the host bank. After the new title certificate is issued, a copy will be sent to the appraisal office. After the appraisal report comes out, the amount, duration and qualification of the provident fund loan of the buyer's customers will be preliminarily reviewed, and the combined loan contact form and appraisal report will be sent to the commercial loan bank. After the approval of the bank, it will take 5- 10 working days.
4. After the signing of the provident fund loan contract 13 working days, part of the provident fund loan will be released, and part of the commercial loan will be released within 3-5 working days after the completion of the public loan.
This is the information about the handling process of Changchun portfolio loan and how long it takes for Changchun portfolio loan to be approved. When the loan is approved, the lending institution will strictly examine whether the lender's information meets the loan conditions. One of the most important items is personal credit information. If the credit information is poor, the lending institution is likely to refuse the loan.
This is the end of the introduction of ID card loans in Changchun and Yanji. I wonder if you have found the information you need?