Housing provident fund loans for second-hand houses generally take about 30 days. The specific process of using provident fund to handle second-hand housing mortgage loan is as follows:
1. The borrower consults in the housing provident fund center and gets the application form: the buyer and seller and their spouses (unmarried or divorced) pre-register in the city housing provident fund center, and get the provident fund loan application form in the name of the seller with the original real estate license, state-owned land use certificate, household registration book, ID card and marriage certificate.
Two. The Borrower submits the following loan information to the Municipal Provident Fund Center:
(1) provident fund loan application form;
(2) proof of deposit of provident fund (or household registration book of housing provident fund) and proof of economic income;
(3) the evaluation report of the purchased house;
(4) The stock house sales contract signed by the buyer and the seller;
(5) Real estate license and state-owned land use certificate in the name of the original seller (original and photocopy);
(6) ID card, household registration book and marriage certificate of both husband and wife (original and photocopy, single employee shall provide single certificate);
3. Acceptance and approval of the housing provident fund center: the municipal housing provident fund center accepts the information of loan applicants and determines the loan amount and duration through approval;
Four. Transaction transfer: the buyer and seller of the house go to the real estate bureau and the land and resources bureau to handle the transfer formalities of the warrant transaction;
Verb (abbreviation of verb) sign a contract: the borrower presents the transaction transfer certificate and deed tax payment invoice (original and photocopy) to the municipal housing provident fund center, and the municipal housing provident fund center issues a loan commitment letter to the designated bank to sign loan documents such as loan contract and mortgage contract, and the seller opens a special deposit account in the loan bank;
6. Mortgage: The borrower goes to the real estate bureau to register the mortgaged house and obtain the real estate license;
7. Lending: After all the loan procedures are completed, the municipal housing provident fund center will directly transfer the loan funds to the deposit account opened by the seller through the bank.
Zibo provident fund loan policy?
Provident fund loan policy for purchasing commercial housing or second-hand housing (second-hand housing in black font)
Application conditions
Meet the following conditions, you can apply for housing provident fund personal loans:
(1) A natural person with full capacity for civil conduct;
(2) Have a stable occupation and income, and have the ability to repay the loan principal and interest on schedule;
(3) By the date of loan application, the employee's unit has paid the housing provident fund continuously and normally for more than 1 year, and the employee himself has paid it continuously and normally for more than 6 months;
(4) The borrower, * * and the borrower (including the borrower's spouse and other participants in the joint loan) have no outstanding individual housing provident fund loans;
(5) The down payment for house purchase shall not be less than the specified proportion;
If the paid workers' families use the housing provident fund personal loan to purchase the first set of ordinary self-occupied housing, the down payment ratio of the housing provident fund loan shall not be less than 30%; The down payment ratio of the housing provident fund loan for purchasing the second suite shall not be less than 40%.
(6) Having a legal and effective guarantee;
(7) The borrower, the borrower and the guarantor have good assets and credit status;
(eight) other conditions stipulated by the housing provident fund management committee.
Fourth, processing materials.
Purchase of loan materials for newly-built self-occupied housing (purchase of the third and above housing or paid-in workers' families who have used personal housing provident fund loans twice or more may not apply for personal housing provident fund loans);
1. Application Form for Individual Housing Provident Fund Loan in Zibo City in duplicate;
(It can be downloaded from the website of Zibo Housing Provident Fund () or collected in the housing provident fund service hall).
2. 1 Original personal credit report of the applicant and spouse;
(Personal credit report with watermark issued by China People's Bank in the month of applying for loan)
3. Can provide the applicant and spouse's ID card information authorization code, electronic identity information and entity ID card (Hong Kong, Macao and Taiwan compatriots provide corresponding certificates);
(ID card information authorization code and ID card electronic information are presented through the "Love Shandong" APP, "Love Shandong and Love Zibo" APP or the official account of "Zibo Micro Police" WeChat).
4. The original residence booklet of the applicant, spouse and minor children;
(including everyone's index page and single page)
5. The original marriage certificate of the applicant (those who can enjoy data query in Shandong Province will no longer be provided);
(Single employees fill in and sign the letter of commitment for housing provident fund loan business (power of attorney); The divorced employee shall provide the original divorce certificate, divorce agreement or judgment. After 20 1 1, the marriage registration in Shandong Province can be inquired through the data of the Provincial Civil Affairs Department, and marriage certificates and divorce certificates are not provided. )
6. The original invoice of prepaid VAT general invoice; (Original bank voucher or receipt for down payment; The receipt must be signed by the payee and thumbprinted)
7. Original 1 copy of the commercial housing sales contract filed by the housing management department; (1 original contract for the sale of second-hand houses in Shandong Province; )
8. The applicant has a certificate of deposit and use of employee housing provident fund with off-site loans, and the applicant's deposit in the last six months 1 original (off-site loans provided); (Issued by the housing provident fund management center of the deposit place, and the certificate of deposit and use of housing provident fund for employees with loans from different places can be downloaded from the website of Zibo Housing Provident Fund ()) (original owner's immovable property certificate (or real estate license and land certificate); )
9. Original query result of registration information of applicant, spouse and minor children 1 copy (provided by loans from different places). (Issued by the real estate registration department at the place of deposit, valid for 30 days) The authorization code of the seller's ID card information, electronic information of the ID card, and entity ID card are all acceptable; (ID card information authorization code and ID card electronic information are presented through the "Love Shandong" APP, "Love Shandong and Love Zibo" APP or the official account of "Zibo Micro Police" WeChat).
10. Original bank card (or passbook) of the seller. (The seller himself will sign on the spot and confirm by fingerprint)
1 1. The applicant's certificate of deposit and use of housing provident fund for employees with loans from different places and the applicant's deposit in the last six months 1 original (provided by loans from different places);
(Issued by the housing provident fund management center at the place of deposit, and the use certificate of housing provident fund deposit for employees with foreign loans can be downloaded from the website of Zibo Housing Provident Fund ()).
12. 1 Original proof of the inquiry results of the registration information of the applicant, spouse and minor children (provided by loans from different places).
(Issued by the real estate registration department at the place of deposit, valid for 30 days)
Tips:
1. When submitting a loan application, all loan materials must be prepared and signed by both husband and wife.
2. As of the loan application date, the employee's unit has paid the housing provident fund continuously and normally for more than 1 year, and the employee himself has paid it continuously and normally for more than 6 months.
3. The applicant and spouse take the deposit base of the housing provident fund as the wage income determination standard [in the case of obvious doubts such as the sudden increase of the deposit base at the time of loan and the adjustment of the individual base by the deposit unit, the average base of the recent continuous normal deposit for 6 months is taken as the wage determination standard; If the borrower's spouse has not paid the housing provident fund, and there is no housing provident fund payment base, the minimum wage standard (announced by the provincial government) in the district where the house is purchased shall be used as the wage income recognition standard]. If the applicant's spouse pays the housing provident fund in a different place, he/she shall provide the proof of the payment and use of the employee's housing provident fund whose spouse has a loan in a different place and the original deposit 1 in the last six months (issued by the housing provident fund management center in the place where it was paid).
4. If there is a balance in the personal housing loan of a commercial bank, it shall be regarded as owning a house. If the query results of real estate registration information prove that the listed housing and the housing loan in the personal credit report correspond to the same set of housing, the commercial bank loan contract of the loan should be provided at the same time to prove that it corresponds to the same set of housing.
Verb (abbreviation of verb) processing place and contact telephone number
1. Zone D, Floor 2, Administrative Service Center, No.971,Linzi Avenue, Linzi District115 # Window Tel: 0533-7 177200.
2. Zhangdian District, Unicom Road 190 Municipal Branch Tel: 0533-520 1735.
3. Floor 2, Zhangdian Sub-center, Housing Provident Fund Service Area, Municipal Affairs Service Center Hall (No.Xisi Road, Zhangdian District 1 19) Tel: 0533-2307 183.
4. Zichuan Sub-center at Jiangjun East Road 168 Zichuan District Tel: 0533-6022870
5. Boshan Sub-center of B-2 Housing Provident Fund Service Area on the second floor of Boshan District Government Affairs Service Center (No.86 Daguanyuan Road, Shantou Street, Boshan District, Zibo City) Tel: 0533-4 185473.
6. zhoucun district Citizen's Home (No.228 Xinjian East Road, zhoucun district, Zibo) is located at the service desk at the main entrance on the second floor, 30 meters east. Tel: 0533-6 160 172.
7. Huantai Sub-center of Housing Provident Fund Service Area on the third floor of Huantai County Convenience Center (Zhangbei Road, Huantai County, Zibo City 1886) Tel: 0533-82 18404.
8. Gaoqing Sub-center (No.7 Gaoyuan East Road, gaoqing county), Hall C, gaoqing county Municipal Affairs Service Center Tel: 0533-6969588.
9. Yiyuan County New Government Affairs Service Center Hall (the third floor of Luzhong Yiwu Trade City, 300 meters east of the intersection of Lushan Road and Ruiyang Avenue) District D Yiyuan Sub-center Tel: 0533-27558 1 1.
10. High-tech Zone Center, Floor 2, Building B, Chuangye Torch Plaza Government Service Center, Liu Quan Road, Zibo High-tech Zone 1 1 63 Tel: 0533-3582 163.
1 1. Administrative Service Center of Economic Development Zone (east of the intersection of Beijing Road and Fuxing Road 100 m) Tel: 0533-2320355.
Intransitive verb processing mechanism
Zibo housing fund management center branch
Seven, charging standards
No charge.
Eight. Processing time
Working days of Zhangdian Sub-center are 9: 00 am-65438+2: 00 pm 65438+3: 00 pm-65438+7:00 pm.
Working days of Zichuan Sub-center: 8:30- 165438+ 0: 30 pm:13: 30-17: 00 pm.
Working days of other sub-centers are 8: 30am-65438+02: 00pm and13: 30pm-17: 00pm.
Nine. Treatment process
(1) Relevant materials provided by the applicant;
(two) housing provident fund management center to accept;
(three) housing provident fund management center for loan review and loan approval.
X. Processing time limit
Make a decision on whether to grant the loan within 3 working days from the date of accepting the application, and notify the applicant.
Zibo second-hand housing provident fund loans?
The following is the process of loan application:
1. When applying for housing provident fund loan, the lender shall submit a written application to the bank, carefully fill in the Application Form for Housing Provident Fund Loan, and truthfully provide the following information:
(1) Fill in the Application Form for Personal Housing Loan of Housing Provident Fund with complete contents and clear handwriting, and the relevant information shall be consistent with the information recorded in the submitted materials;
(two) the materials submitted within the prescribed period of validity, issued by the relevant departments according to their functions and powers, at the same time, the form conforms to the relevant provisions of the state, and the contents correspond to each other;
(3) The quantity of materials submitted meets the requirements of the materials required for the loan;
(four) the loan applicant must be the depositor of the housing provident fund and belong to the owner of the house or the owner of the house; If there is an applicant, the applicant must be the spouse of the loan applicant or other applicants recognized by the Housing Provident Fund Management Committee;
(5) The name and certificate number of the applicant must be completely consistent with the information on the deposit of the provident fund. If the applicant has paid the provident fund in a different place, the account opening and payment of the provident fund shall be determined according to the payment certificate information issued by the management institution where the original deposit account is located;
(6) The loan term applied by the applicant shall not exceed the stipulated maximum loan term (in principle, it shall not exceed 5 years after the statutory retirement age), and the term shall be drawn up by the management institution and reported to the local provident fund management committee for approval;
(seven) other information required by the provident fund center.
2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time.
3, provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results.
4. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract.
5. The applicant purchases owner-occupied housing, including newly-built commercial housing, second-hand housing, affordable housing, resettlement housing and public housing, and newly-built, renovated or overhauled owner-occupied housing (including renovation of dilapidated houses), with a cumulative period of no more than 12 months. For the purchase of pre-sale commercial housing under construction, the time for signing the commercial housing sales contract shall not exceed 24 months in principle.
6. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.
Zibo second-hand housing can only use housing provident fund or commercial loans?
Zibo second-hand housing can only use housing provident fund or commercial loans.
Zibo second-hand housing provident fund loan processing process:
Applicants who purchase second-hand houses and apply for housing provident fund loans must go through mortgage registration procedures before lending.
Loan time limit: within 3 months after the house transaction is completed and the house deed tax is paid.
Materials: house purchase contract, house evaluation form, deed tax certificate, land use certificate and seller's ID card.
Commercial loan process:
1. Submit a loan application: After you sign the house sales contract, you can apply for a commercial loan from the bank. Whether it is a first-hand mortgage or a second-hand mortgage, it is necessary to submit the complete materials approved by the bank to the bank for review, which is the most important step in the commercial loan process.
Mainly including ID card, household registration book, original and copy of marriage certificate; Foreign household registration needs to provide temporary residence permit or residence permit; Income certificate issued by the work unit; Sales contract, down payment invoice or receipt; Wage flow or other proof of assets in the past six months. In addition to the above five materials, different banks have different requirements for commercial loans, and other materials required by loan banks should be inquired in detail.
2. Investigation accepted by the bank: After receiving the application materials of the loan applicant, the bank will review the materials. The general review time for commercial loans is 15 working days, and the longest time shall not exceed 1 month. During the bank investigation, the loan applicant will be asked to supplement some information according to the situation. Therefore, the loan applicant needs to keep in touch with the bank during this period.
3. Bank verification and approval: the loan bank will verify several aspects: the situation of the house, the qualification and credit status of the borrower. This is an important link in the process of commercial loans. If the credit of the loan applicant is not good, it will directly lead to the failure of the loan application, so it is very important to accumulate good personal credit in life.
4. Both parties shall go through relevant formalities: the bank informs the loan applicant that after the loan is approved, it is necessary to open an account in the bank, get a debit card and sign a loan contract. At the same time, handle mortgage, guarantee, pledge, insurance and other related guarantee procedures. When signing a loan contract and handling the guarantee formalities, you must know the detailed rules in the contract in detail and make clear your rights and obligations so as to avoid unnecessary misunderstanding.
5. Bank loan: After all loan procedures are completed, the bank transfers the loan funds to the account of the real estate developer, and the loan relationship is established, and the lender repays the loan according to the regulations.
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