The loan applicant goes to the loan handling department or calls the loan handling department to consult the housing provident fund loan and prepare the relevant materials for the housing provident fund loan. Below I have sorted out the details of whether Hangzhou Bank can handle the provident fund, hoping to help you!
Can Hangzhou Bank handle provident fund?
Yes, but it must be a bank designated by Hangzhou Provident Fund Management Center. According to the data of official website, * * there are 2 1 authorized banks as official designated banks, and * * * there are 12 designated banks that can handle withdrawal business.
The conditions to be met when applying for a house purchase with a loan from Hangzhou Provident Fund are:
1. Employees with permanent residence in Hangzhou or valid residence identification;
2. At the time of application, the housing provident fund has been normally paid for more than one year, and the provident fund has not been withdrawn to pay the down payment for the house purchase, and there is no balance of the provident fund loan;
3. There is a contract or agreement for the purchase of housing, and the down payment amount is not less than 30% of the value of the purchased housing;
4. Have a relatively stable professional and economic income, have the corresponding repayment ability, and have a good personal credit;
5. Take the assets recognized by the provident fund center as collateral or pledge, or take a unit with sufficient compensatory capacity as guarantor;
6, other conditions stipulated by the provident fund center.
The process of applying for Hangzhou provident fund loan to buy a house is:
1. To apply for housing provident fund loan, the lender shall submit a written application to the bank, fill in the housing provident fund loan application form and truthfully provide the required information:
2. For the loan application with complete information, the bank will accept the review in time and submit it to the core of the provident fund in time.
3. The core of the provident fund is responsible for approving loans and informing the bank of the approval results in time.
4. The bank shall notify the applicant to handle the loan formalities according to the core approval result of the provident fund. 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 core office of the provident fund for review. After the core approval of the provident fund, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract.
5. 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 husband and wife sign a mortgage contract or agreement and have securities pledged, the borrower shall hand over the securities to the management department or the core of the associated press for safekeeping.
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