Before 2008, the state will issue housing loans to borrowers who pay the housing provident fund in full and on time. When borrowing, buying, building and overhauling self-occupied housing, the borrower uses the purchased house or other property with property as collateral. Or pledge, or a third person provides security for his loan and then apply for a home loan from the Housing Provident Fund Management Center. Then, Xiaobian will take everyone to look at the relevant content of the conditions for the renovation of the provident fund loan .
1. Application materials for the provident fund renovation loan:
1. The original and photocopy of the borrower and the co-payment of the highest payer's ID card;
2. The original and photocopy of the borrower and the co-payer's account, the original and a copy of the marriage certificate;
3. The original title and copy of the property right certificate and land certificate purchased;
4. Renovation contract (according to the specific regulations of the local provident fund centers).
Second, the general process of handling the provident fund renovation loan:
1. The borrowing applicant submits a loan application to the housing and home guarantee company, and submits relevant certificates and materials at the same time;
2. After the bank passes the certificate and data review submitted by the borrower, the borrower will sign a decoration contract with the decoration company and hand the original contract to the bank;
3. The borrower and the lender sign the “Loan Contract†and the corresponding guarantee contract. Borrowers who use housing as collateral should go through the notarization of the “Personal Housing Mortgage Contractâ€, mortgage housing insurance and real estate mortgage registration procedures;
3. Deposit time: The applicant must establish a housing provident fund account for more than 12 months (inclusive), and at the same time meet the full amount of the normal deposit of the reserve fund for a certain period of time, and some areas require 6 months (including), some requirements 12 months (inclusive), there will be differences everywhere.
2. The age of the lender: the sum of the age of the lender and the length of the loan is less than 70 years old.
3. The applicant has full civil capacity, has the ability to repay the principal and interest of the loan, and has a good credit status;
4. The applicant has paid the down payment for the purchase of the house as required;
5. The applicant provides a guarantee that meets the requirements of this regulation;
6. Applicants and co-applicants meet the national, provincial and municipal real estate market management policy requirements;
7. Meet other conditions as stipulated by the CPF Management Committee.
4. What are the procedures for handling a provident fund loan?
1. The borrower applies for a housing provident fund loan and needs to submit a written application to the municipal housing provident fund management core, fill out the housing provident fund loan application form and provide relevant information truthfully.
2. The core of the municipal housing provident fund management is responsible for the qualification of the borrower, the qualification of the guarantor, the loan quota and the term of the loan, and the contract is filled out. The borrower signs the relevant contract or agreement with the core and handles the insurance according to the regulations of the People's Bank of China.
3. After the loan formalities are completed, the municipal housing provident fund management core issues a notice of granting the loan to the bank. After receiving the loan notice, the bank handles the loan and transfers the loan to the designated account opened by the developer at the bank.
How about, I read the relevant introductions on the conditions for the renovation of the provident fund loan, and whether I have learned a lot about the conditions required for the renovation of the provident fund loan. I hope that you can learn more about home improvement knowledge through this article, and you will be able to create a more perfect home environment. Thank you for reading this article and your support and love for Xiaobian. If you want to get more information about home improvement, please continue to pay attention to the decoration home network.
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What are the conditions for housing provident fund loans?
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