When buying a house, many people hope to purchase it through a loan, which can also give their family a more comfortable environment, and buying a house through a loan can also alleviate some financial problems. Stressful. So can I use provident fund loans to buy my own house in Panjin? What procedures should be done? Let’s take a look at my relevant introduction and narration.
When buying a house, many people hope to purchase it through a loan, which can also give their family a more comfortable environment, and buying a house through a loan can also alleviate some financial problems. Stressful. So can I use provident fund loans to buy my own house in Panjin? What procedures should be done? Let’s take a look at my relevant introduction and narration.
Can I use provident fund loans to buy self-occupied commercial housing in Panjin?
Provident fund loans can be used to buy self-occupied commercial houses in Panjin. House buyers who meet the following conditions can apply for provident fund loans:
1. The Panjin borrower has urban household registration;
2. I and my employer have paid and deposited the housing provident fund in this city on time and in full for more than one year (calculated from back to front);
3. Have stable professional income, good credit, and the ability to repay the principal and interest of the loan;
4. There is a legal contract or agreement for the purchase of a home in Panjin, and the required proportion of self-raised funds;
5. Assets stipulated in the "Security Law" are loan mortgages or pledges;
6. Agree to apply for Panjin real estate guarantee or mortgage property insurance;
7. Agree to other conditions stipulated by Panjin Housing Provident Fund Management Center.
What are the procedures for provident fund loans to buy self-occupied commercial housing in Panjin?
1. Preliminary review: The Panjin Housing Fund Management Center will conduct a preliminary review of the materials submitted by the applicant, including the applicant’s qualifications, loan amount, and loan period. After passing the preliminary review, the center will issue a "Collateral Review and Assessment" Notice".
2. Appraisal: The applicant takes the "Collateral Review and Appraisal Notice" to the appraisal agency designated by Panjin Center to appraise the value of the house purchased. Affordable housing No assessment required.
3. Review: The applicant must bring the "Evaluation Report" issued by the Panjin Appraisal Agency and the preliminary review materials required by the center to the center for loan review. If qualified, the center will issue a "Housing Fund Management Center Guaranteed Entrusted Loan Investigation Notice".
4. Go through the guarantee procedures: The applicant holds the "Housing Fund Management Center Guaranteed Entrusted Loan Investigation Notice" and goes through the guarantee procedures according to the guarantee method of his choice.
5. Sign a loan contract.
6. Panjin Housing Fund Management Center signs an entrusted loan agreement with the trustee bank.
7. Panjin borrowers submit loan applications directly to the Housing Fund Management Center. The entrusted industry can collect the borrower's application information on their behalf as needed and submit it to the Housing Fund Management Center for review and approval.
8. After the Panjin Housing Fund Management Center approves the amount, term, and interest rate of each loan, it signs an entrusted loan contract with the trustee bank.
For friends in Panjin buying a house, if you want to apply for a provident fund loan, it is recommended to consult the provident fund management center according to local policies and follow the procedures to buy a house. The above is my question about whether I can use provident fund loans to buy my own house in Panjin? What procedures should be done? The relevant introduction, I hope it will be of some help to friends in Panjin buying a house.