Fill in the housing provident fund loan application form, which needs to be filled out according to your actual situation. The specific instructions for filling in the form are as follows:
1. Please fill in the information with black and blue-black ink pens.
Please fill in the form carefully and truthfully, and do not alter the contents.
Please fill in in block letters. Please indicate the option with "∨" symbol in the □ column.
4. The required data shall be compiled into a book in order (basic data order+data order required by different loan types). Please don't bind it.
5. Please collect the information provided according to A4 paper specifications.
Conditions to be met in applying for housing provident fund:
1. Have permanent residence in this city or valid residence status in this city;
2. The housing accumulation fund has been continuously paid 1 year or more when applying for the loan (inclusive);
3. For first-time buyers, the down payment for commercial housing is not less than 30% of the total purchase price, and the down payment for second-hand housing is not less than 40% of the total purchase price; The nature of the land is state-owned, and the down payment is not less than 40% of the total purchase price; Buy a second house, down payment 60%, interest rate floating 10%. 20% down payment for the purchase of affordable housing;
4. Have stable economic income, good personal credit and the ability to repay the loan principal and interest on time;
5. Agree to use the full value of the property purchased, built, renovated or overhauled by the loan as collateral; The purchase of commercial housing, real estate development enterprises should provide phased guarantee for buyers;
6 to apply for housing provident fund loans again, you must pay off the last housing provident fund loan;
7. Other conditions stipulated by the provident fund center.
Information required to apply for housing provident fund:
1. housing provident fund personal loan application form in duplicate;
2. The original and three copies of the borrower's identity certificate;
3. The original and three copies of the borrower's spouse's identity certificate (married);
4. The original and two copies of the borrower's household registration certificate;
5. The original and two copies of the borrower's spouse's household registration certificate (married);
6. The original and three copies of the marital status certificate issued by the civil affairs department of the borrower;
7. The original real estate transfer contract or the original commercial housing pre-sale contract and two copies (within three years from the date of issuance);
8. The original and three copies of the house ownership certificate and land certificate of the purchased house (within one year from the date of issuance);
9. The original and two copies of the prepaid house purchase bill;
10. Original deed tax payment certificate and two copies (within one year from the date of issuance);
1 1. Seller's collection account and borrower's repayment account.
Steps to apply for housing provident fund loans:
1. preliminary examination: the housing provident fund management center conducts preliminary examination of the materials submitted by the applicant, including the applicant's qualification, loan amount, loan period, etc. After passing the preliminary examination, the center will issue a notice of mortgage review and evaluation;
2. Appraisal: The applicant holds the Notice of Collateral Examination and Appraisal to the appraisal institution designated by the Center to appraise the value of the purchased house. Affordable housing does not need to be evaluated;
3. Audit: The applicant will go to the center for loan audit with the evaluation report issued by the evaluation agency and the preliminary examination materials required by the center. Qualified, the center issued the "housing provident fund management center entrusted loan investigation notice";
4. Handling guarantee procedures: The applicant holds the Notice of Investigation on Entrusted Loan Guaranteed by Housing Provident Fund Management Center and handles guarantee procedures according to the guarantee method he chooses. If mortgage+guarantee is selected, the guarantor shall issue a written guarantee; If you choose mortgage+insurance or third-party guarantee, you should apply for insurance in an insurance company or go through the formalities of entrusted guarantee in a guarantee institution;
5. Sign a loan contract;
6 housing fund management center and the entrusted bank signed an entrusted loan agreement;
7. The borrower directly submits a loan application to the housing provident fund management center, and the entrusted industry can summarize the borrower's application materials as needed and submit them to the housing provident fund management center for approval;
8. The housing fund management center examines and approves the amount, term and interest rate of each loan, and signs a loan contract with the entrusted bank;
9. In accordance with the entrusted loan contract, the trustee shall go through the loan formalities after signing the Mortgage Contract for Housing Provident Fund Entrusted Loan, the Pledge Contract for Housing Provident Fund Entrusted Loan and the Guarantee Contract for Housing Provident Fund Entrusted Loan with the borrower respectively.