Construction, renovation and overhaul of owner-occupied housing shall be applied within 12 months after the approval documents are complete, and the withdrawal amount shall not exceed the account balance at the time of application.
Information to be prepared:
The approval of the land, planning and construction management departments, the appraisal certificate of the real estate administrative department, the property right certificate, the invoice of the house purchase information, the ID card, the joint card of the provident fund or the application form for the withdrawal of the housing provident fund.
First, the conditions of self-built housing loans:
1. The applicant's unit and individual have continuously paid the housing provident fund for more than 6 months, and the current deposit is normal.
2. Build self-occupied housing within three years.
3. Both husband and wife have no outstanding loans in the provident fund or pledge the housing provident fund for others.
4. Both husband and wife have a good reputation (no bad records for 3 consecutive periods, with a total of more than 6 periods).
5. Provide the guarantee approved by the management center.
6. A family can have two housing provident fund loans at most.
Two. Information required for self-built housing loan:
1. ID card, household registration book or marriage certificate of both husband and wife. Singles need their ID card and the unmarried certificate issued by the civil affairs department (valid for 7 days). Divorce also requires a divorce certificate and a divorce agreement.
2. The borrower's salary card and housing provident fund card.
3. Self-built houses need to provide land use permits, construction land planning permits, construction project planning permits and construction permits; For the construction and renovation of self-occupied housing in villages and towns, provide the approval for the use of rural homesteads and the project budget issued by the land department; Demolition and resettlement need to provide demolition compensation and resettlement agreement.
4. Mortgage information: The building has provided two originals of the house ownership certificate and the land use certificate, and the guarantee recognized by the provident fund center (other properties, pledge of housing provident fund or legal and valid securities, bank deposits, etc.). ) Not obtained.
Third, the self-built housing loan process:
1. Submit a loan application;
2, the loan officer audit;
3, the management department for approval;
4. Apply for mortgage guarantee;
5. sign a contract;
6. Sign IOUs and issue loans.
Four. Loan processing time:
Complete the loan issuance within 8 working days from the date of receiving complete information.