Do you understand the way to apply for provident fund loans in Ji'nan?
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2014-05-23 09:23:00 source of second-hand housing network: daily daily |
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[Abstract] a lot of buyers exclamation, housing application for provident fund loan is a "both physical and mental" life, some local provident fund loan application process from consultation, first trial, to the issuance of loans often need more than a dozen processes Then, in Ji'nan, do you understand the way to apply for provident fund loans?
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a lot of home buyers sigh, housing application provident fund loan is a "both physical and mental" life, some local provident fund loan application process from the consultation, first trial, to the issuance of loans often need more than a dozen processes, then in Ji'nan, the application of provident fund loans should go "the way" Do you understand?
housing provident fund loan is a state policy loan. It refers to a borrower who has paid the housing provident fund on time and in full, according to the regulations of the housing provident fund management, to mortgage the housing or other possessions with ownership, or to pledge to live with movable property or rights. Housing provident fund for the source of housing loans. So what is the process to apply for the loan of the provident fund?
first, the commercial housing you buy should be approved by the Ji'nan housing provident fund management center, and you may take the following routine after this condition is satisfied.
1. borrowers prepare to apply for materials, including:
(1) the borrower and the common repayment person, the identity card of the guarantor, the residence book, the original and the copy of the marital status certificate;
(two) joint repayment promise or guarantee.
(three) legitimate commercial housing purchase contract or agreement.
(four) personal credentials.
(five) the borrower has delivered a valid percentage of the valid credentials.
(six) approval form for individual housing provident fund loans.
(seven) other materials required by the housing provident fund management center.
2. to the bank application and face signing, the bank for the first trial ready to complete the loan application materials sent to the provident fund loan entrusted to the bank and the face sign, and then the bank according to the provisions of the first trial. The
3. management center approves and transfers the fund management center to receive the application materials submitted by the bank for review. After approval, the center issue the letter of entrustment and transfer the funds to the bank.
4. entrusted the bank to issue loans, which were signed by the bank and the borrower after the loan contract and the mortgage contract were issued.
in addition, we should pay attention to the following points when buying housing provident fund. First, the provident fund can not be directly used for the purchase of down payment. If the public wants to buy a house through housing provident fund loan, it needs to be consumed first, that is, first pay the first payment, and then carry the identity card and account book of both my or her husband and wife. The marriage certificate and other proof materials are provided to the local housing provident fund management, and the storage balance in the fund is extracted from the local housing accumulation fund management. Second, the total amount of withdrawal of provident fund should not exceed the total amount of housing. For example, a public loan to buy a total price of 200 thousand yuan, and his provident fund storage balance of 300 thousand yuan, he can only extract 200 thousand yuan of provident fund, the remaining 100 thousand yuan accumulation fund can not be extracted. Third, clearing provident fund loans can be used for provident fund purchase. Whether it is before marriage or in marriage after the provident fund loans, one of the couple has a provident fund loan, the central provident fund center system will have a corresponding record, before the last loan was not paid off, the husband and wife can not use the provident fund loan to buy second suites. However, if the first suite of provident fund loans have been cleared up, both husband and wife again use the fund to buy a house, still regarded as the first purchase, not by the two suite of policy restrictions.
Ji'nan housing provident fund delay extraction policy in March 31st is the last day, the provident fund management center issued a notice on 31 days, announcing that since April 1st no longer accept the two types of reasons to extend the time limit for the extraction business. This means that from April 1st, as long as the provident fund loans have not been paid back, in addition to the reasons for the account, the buyers can not extract the balance of the fund account once again, but can still be used to repay the loan.