Can you go to the provident fund center to apply for a loan afte
Publish: 2021-05-08 05:32:09
1. About a month
buy second-hand housing can handle provident fund loans. There are two ways to apply for personal housing loan of provident fund:
1. The borrower directly applies for the loan from the municipal capital center. Processing process:
the first step is to consult the "center" and get the application form: both the buyer and the seller of the house and their spouses (unmarried or divorced should issue a certificate), holding the two original certificates of "house ownership certificate" and "state owned land use certificate" in the name of the seller, as well as the original household register, ID card and marriage certificate, go to the municipal capital center for pre registration and get the application form of provident fund loan< In the second step, the borrower shall submit the following loan information to the municipal capital center:
(1) application form for provident fund loan
(2) proof of provident fund deposit (or housing provident fund to account book) and proof of economic income
(3) the evaluation report of the house purchased
(4) purchase contract of stock house signed by the buyer and the seller
(5) house ownership certificate and state owned land use certificate (original and ) in the name of the original seller
(6) ID card, household register and marriage certificate of both husband and wife (original and , single worker should provide single certificate.)
the third step is "center" acceptance and approval: the municipal capital center accepts the loan applicant's information, and approves and determines the loan amount and term
the fourth step of transaction transfer: both the buyer and the seller go to the real estate bureau and the land bureau to handle the "two certificates" transaction transfer proceres
the fifth step is to sign the contract: the borrower shall go to the municipal capital center with the "two certificates" of transaction transfer and deed tax invoice (original and ), and the municipal capital center shall issue the letter of loan commitment to the designated bank to sign loan documents such as loan contract and mortgage contract, and the Seller shall open a special deposit account in the lending bank
Step 6: the borrower shall register the mortgaged house in the real estate bureau and obtain the certificate of other items of the house
Step 7: after all the loan proceres are completed, the municipal capital center will transfer the loan funds directly to the special deposit account opened by the seller through the bank< Step 8 monthly repayment: the borrower shall repay the loan principal and interest monthly according to the loan contract until the loan is fully paid off
Step 9: when the borrower settles the last loan, he / she should go to the lending bank in person and go through the repayment and settlement proceres at the counter
Step 10: after the borrower has paid off all the principal and interest of the loan, he shall go to the original real estate mortgage registration department for mortgage registration cancellation with the settlement certificate issued by the lending bank, the house mortgage cancellation certificate, the original house purchase contract or house property certificate and personal ID card< The borrower entrusts the intermediary company to handle the proceres
in the first step, the customer directly consults with the guarantee company or intermediary company to get the loan application form
in the second step, the borrower will submit the full set of loan information to the guarantee company or intermediary company, and the guarantee company or intermediary company will send it to the municipal capital center for approval
in the third step, after the approval of the loan qualification, amount and ration, the municipal capital center will issue the letter of commitment
the fourth step is that the guarantee company or intermediary company handles the transfer proceres of house property certificate and land certificate for both the buyer and the seller, the loan bank signs loan and mortgage contract with the borrower, and signs tripartite agreement with the guarantee company or intermediary company to provide guarantee
Step 5: after the house ownership certificate is transferred, the municipal capital center can issue loan funds, transfer the loan funds directly to the special deposit account opened by the seller through bank transfer, and the borrower shall repay the loan principal and interest from the next month according to the loan contract
the sixth step is that the guarantee company or intermediary company will go through the mortgage registration proceres for the borrower, and hand over the certificate of other items of the house to the lending bank for collection and filing.
buy second-hand housing can handle provident fund loans. There are two ways to apply for personal housing loan of provident fund:
1. The borrower directly applies for the loan from the municipal capital center. Processing process:
the first step is to consult the "center" and get the application form: both the buyer and the seller of the house and their spouses (unmarried or divorced should issue a certificate), holding the two original certificates of "house ownership certificate" and "state owned land use certificate" in the name of the seller, as well as the original household register, ID card and marriage certificate, go to the municipal capital center for pre registration and get the application form of provident fund loan< In the second step, the borrower shall submit the following loan information to the municipal capital center:
(1) application form for provident fund loan
(2) proof of provident fund deposit (or housing provident fund to account book) and proof of economic income
(3) the evaluation report of the house purchased
(4) purchase contract of stock house signed by the buyer and the seller
(5) house ownership certificate and state owned land use certificate (original and ) in the name of the original seller
(6) ID card, household register and marriage certificate of both husband and wife (original and , single worker should provide single certificate.)
the third step is "center" acceptance and approval: the municipal capital center accepts the loan applicant's information, and approves and determines the loan amount and term
the fourth step of transaction transfer: both the buyer and the seller go to the real estate bureau and the land bureau to handle the "two certificates" transaction transfer proceres
the fifth step is to sign the contract: the borrower shall go to the municipal capital center with the "two certificates" of transaction transfer and deed tax invoice (original and ), and the municipal capital center shall issue the letter of loan commitment to the designated bank to sign loan documents such as loan contract and mortgage contract, and the Seller shall open a special deposit account in the lending bank
Step 6: the borrower shall register the mortgaged house in the real estate bureau and obtain the certificate of other items of the house
Step 7: after all the loan proceres are completed, the municipal capital center will transfer the loan funds directly to the special deposit account opened by the seller through the bank< Step 8 monthly repayment: the borrower shall repay the loan principal and interest monthly according to the loan contract until the loan is fully paid off
Step 9: when the borrower settles the last loan, he / she should go to the lending bank in person and go through the repayment and settlement proceres at the counter
Step 10: after the borrower has paid off all the principal and interest of the loan, he shall go to the original real estate mortgage registration department for mortgage registration cancellation with the settlement certificate issued by the lending bank, the house mortgage cancellation certificate, the original house purchase contract or house property certificate and personal ID card< The borrower entrusts the intermediary company to handle the proceres
in the first step, the customer directly consults with the guarantee company or intermediary company to get the loan application form
in the second step, the borrower will submit the full set of loan information to the guarantee company or intermediary company, and the guarantee company or intermediary company will send it to the municipal capital center for approval
in the third step, after the approval of the loan qualification, amount and ration, the municipal capital center will issue the letter of commitment
the fourth step is that the guarantee company or intermediary company handles the transfer proceres of house property certificate and land certificate for both the buyer and the seller, the loan bank signs loan and mortgage contract with the borrower, and signs tripartite agreement with the guarantee company or intermediary company to provide guarantee
Step 5: after the house ownership certificate is transferred, the municipal capital center can issue loan funds, transfer the loan funds directly to the special deposit account opened by the seller through bank transfer, and the borrower shall repay the loan principal and interest from the next month according to the loan contract
the sixth step is that the guarantee company or intermediary company will go through the mortgage registration proceres for the borrower, and hand over the certificate of other items of the house to the lending bank for collection and filing.
2. Provident fund center approved, about two weeks, the bank can lend< The steps of housing provident fund loan are as follows:
1, Both parties should cooperate actively. According to the pre evaluation report issued by the evaluation agency, the transaction price of both parties and the repayment ability of the borrower, the center concts pre examination on the amount and term of the loan to be applied for by the employees, and issues the confirmation form of pre examination on the amount and term of the loan for second-hand housing of housing provident fund to the employees
2. Employees who need to file for loans and are ready to apply for second-hand housing loans shall submit the proof of the borrower's (spouse's) wage income and housing provident fund deposit (in triplicate) and the original and of the housing ownership certificate before the transaction, and the business personnel shall verify whether the employee's housing provident fund deposit is normal, Whether the wage income certificate of the employee (spouse) is true and standard< There are two ways to guarantee the loan of second-hand housing provident fund: stage guarantee, mortgage and mortgage. The borrower can choose according to his own actual situation. If the second-hand housing loan is handled by means of phased guarantee plus mortgage, the guarantee company selected by the borrower shall undertake the phased joint and several liability guarantee for the borrower before the mortgage registration proceres of the housing purchased by the borrower are completed and the other certificates of the housing are delivered to the entrusted bank for collection. If the second-hand housing loan is handled by mortgage, the borrower shall complete the mortgage registration proceres for the housing purchased before the loan is extended, and the certificate of other items of the housing shall be kept by the entrusted bank
4. By signing the house transfer contract, handling the delivery of self raised funds, the buyer and the seller handling the house transaction proceres, receiving the house evaluation report, signing the house transfer contract, handling the delivery of self raised funds, the buyer and the seller handling the house transaction proceres, and the delivery of self raised funds, both parties of the transaction can deliver under the witness of the guarantee company (entrusted bank), Payment can also be supervised by the entrusted bank
5. Fill in the housing provident fund loan application form and submit all loan application materials as required (including housing evaluation report, fill in the housing provident fund loan application form and submit all loan application materials including housing evaluation report as required, and submit all loan application materials including housing evaluation report as required), For those who choose to apply for second-hand housing loans by means of phased guarantee plus mortgage, the guarantee company can submit loan application materials to the center on behalf of the borrower; If the second-hand housing loan is handled by mortgage, the borrower shall submit the loan application materials< With the graal increase of bank loan interest and the cancellation of preferential interest rate for the first house loan, the interest cost of commercial loan for house purchase is higher and higher than that of housing provident fund loan. If there are housing provident fund loan conditions for home buyers, the use of provident fund loans is the most cost-effective way
7. Audit, approval and audit
8. Signing loan contract and other proceres.
1, Both parties should cooperate actively. According to the pre evaluation report issued by the evaluation agency, the transaction price of both parties and the repayment ability of the borrower, the center concts pre examination on the amount and term of the loan to be applied for by the employees, and issues the confirmation form of pre examination on the amount and term of the loan for second-hand housing of housing provident fund to the employees
2. Employees who need to file for loans and are ready to apply for second-hand housing loans shall submit the proof of the borrower's (spouse's) wage income and housing provident fund deposit (in triplicate) and the original and of the housing ownership certificate before the transaction, and the business personnel shall verify whether the employee's housing provident fund deposit is normal, Whether the wage income certificate of the employee (spouse) is true and standard< There are two ways to guarantee the loan of second-hand housing provident fund: stage guarantee, mortgage and mortgage. The borrower can choose according to his own actual situation. If the second-hand housing loan is handled by means of phased guarantee plus mortgage, the guarantee company selected by the borrower shall undertake the phased joint and several liability guarantee for the borrower before the mortgage registration proceres of the housing purchased by the borrower are completed and the other certificates of the housing are delivered to the entrusted bank for collection. If the second-hand housing loan is handled by mortgage, the borrower shall complete the mortgage registration proceres for the housing purchased before the loan is extended, and the certificate of other items of the housing shall be kept by the entrusted bank
4. By signing the house transfer contract, handling the delivery of self raised funds, the buyer and the seller handling the house transaction proceres, receiving the house evaluation report, signing the house transfer contract, handling the delivery of self raised funds, the buyer and the seller handling the house transaction proceres, and the delivery of self raised funds, both parties of the transaction can deliver under the witness of the guarantee company (entrusted bank), Payment can also be supervised by the entrusted bank
5. Fill in the housing provident fund loan application form and submit all loan application materials as required (including housing evaluation report, fill in the housing provident fund loan application form and submit all loan application materials including housing evaluation report as required, and submit all loan application materials including housing evaluation report as required), For those who choose to apply for second-hand housing loans by means of phased guarantee plus mortgage, the guarantee company can submit loan application materials to the center on behalf of the borrower; If the second-hand housing loan is handled by mortgage, the borrower shall submit the loan application materials< With the graal increase of bank loan interest and the cancellation of preferential interest rate for the first house loan, the interest cost of commercial loan for house purchase is higher and higher than that of housing provident fund loan. If there are housing provident fund loan conditions for home buyers, the use of provident fund loans is the most cost-effective way
7. Audit, approval and audit
8. Signing loan contract and other proceres.
3. Generally, it's in the account security settings. You can find it yourself. It's wrong to think that unloading the app means canceling your network account. As for the apple account you said, it can't be cancelled in the mobile phone settings. You have to go to Apple's official website to apply for canceling your account
4. This is a kind of code used to identify proct information, which has the same function as ordinary bar code. This kind of identification code has been used in train tickets, and the hidden information can be obtained by using devices with two-dimensional code identification software, such as mobile phones, aiming at the two-dimensional code to take photos. QR code can also be used to encrypt business cards. Once you receive the QR code, it will be automatically saved into the address book with your mobile phone. Nokia also has a QR code on the back of the phone. Quickmark, a software for Symbian S60v3 mobile phone, is very easy to use, but the mobile phone has low pixels and poor recognition effect
in a word, QR code is a more advanced identification symbol, which can replace bar code. It contains more information
it's all by hand.
in a word, QR code is a more advanced identification symbol, which can replace bar code. It contains more information
it's all by hand.
5.
The approved provident fund loan can be granted normally within 7-15 days
General lending time of provident fund loan:
1. In the case of provident fund loan (without reconsideration), it takes 7 days to approve after submitting the information
2. After the approval, the transfer transaction is needed, and the loan will be released about 7-10 days after the completion of the transfer transaction
3. If the real estate with bank loan is sold by means of capital supervision, can the provident fund loan be directly paid into the capital supervision account after approval? No matter whether the original house has loan or not, the loan is put into the capital supervision account first. The loan will be released about 3 days after the transfer procere is completed
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extended information:
information required for handling the first-hand housing provident fund loan
1. Original legal identity certificate (resident identity card, military officer card, Hong Kong and Macao residents' mainland pass, Taiwan residents' mainland pass); If you are married, you need to provide the original identity certificate of your spouse
2; If married, the original household register of the spouse should also be provided
3. Original marriage status certificate (marriage certificate, no marriage declaration and guarantee, property division agreement)
4. The original tax list of the past year (required for providing other income)
5. Original sales contract
6. A of the first invoice issued by the developer (for example, if the first receipt is provided, card printing paper or cash entry form shall be provided)
7. Bank passbook (card) for repayment
8
Personal credit report10, indivial (family) housing Certificate (self-service printing)
11. Application form for indivial housing loan of housing provident fund in Zhongshan City (in plicate)
12
6. New plate is the need for developers to the local provident fund management center to submit applications for provident fund loans and through the line. Developers have to submit a lot of materials, which are basically important documents for developers. This is very simple, you can ask the developer or directly on the large real estate website. Even directly ask the provident fund management center so and so district can handle provident fund loans
in addition, only residential projects can apply for provident fund loans, and office buildings, shops and apartments are provident fund loans, which are not accepted. Second hand housing can be handled directly.
in addition, only residential projects can apply for provident fund loans, and office buildings, shops and apartments are provident fund loans, which are not accepted. Second hand housing can be handled directly.
7. It's time for me to take the medical examination again... I was a graate student, and I took the examination casually. Of course, the basic knowledge of undergraate was still there at that time. I spent half a day doing the real questions, reciting the answers, and half a day looking at the practice. Finally, although the score is not very high...
this indivial thinks that it depends on the foundation. If the undergraate foundation is better, read the book a little, do the real problem seriously, and read the CD attached to the practice guidance, the basic problem is not big. Personal observation, the foundation is not so good a little bit (have seen such, worried), do not know how to read, it is reported to a class... Mainly to guide the direction of review. It is impossible to have much time to concentrate on reading while working at work. It is especially important to get twice the result with half the effort. Recently, according to the experience of students in the examination, the medical examination is more and more close to clinical practice, which is increasing the difficulty for many people. In CDC's words, many specialist patients don't come into contact with much, er... But it's not something that can be made up by reading in one day, so I don't have to think about it any more. What can I catch. Now that I have passed the examination, I am familiar with the examination process. Operation must not be difficult, mainly written examination, my personal suggestion is the key: first, outline, don't look down on the outline, before the examination, the scope of cases to be tested must be clear, don't do useless work when reading. Everyone knows that the focus of the written examination is the four books on women and children, and the other departments do not necessarily account for the proportion of these four books. Well, in fact, there are only a few diseases in each examination. They are nothing more than symptoms and signs auxiliary examination, diagnosis, differential diagnosis and treatment. Remember that each disease has its own "flash point", such as Velcro rales, which is the flash point of pulmonary fibrosis. Two true questions, sum up carefully, figure out the routine, and don't panic when making mistakes. When I just did it, the error rate was more than 50%, The key is to sum up the routine and the knowledge points that are easy to test. After the real title is done, you can guide the reading, because you will have a little experience on what kind of knowledge points are easy to test. Many people just can't read because they don't know how to do the test. Such comrades strongly suggest that we report to class. I hereby declare that it is not an advertisement...
I wish you all the best in the exam~
this indivial thinks that it depends on the foundation. If the undergraate foundation is better, read the book a little, do the real problem seriously, and read the CD attached to the practice guidance, the basic problem is not big. Personal observation, the foundation is not so good a little bit (have seen such, worried), do not know how to read, it is reported to a class... Mainly to guide the direction of review. It is impossible to have much time to concentrate on reading while working at work. It is especially important to get twice the result with half the effort. Recently, according to the experience of students in the examination, the medical examination is more and more close to clinical practice, which is increasing the difficulty for many people. In CDC's words, many specialist patients don't come into contact with much, er... But it's not something that can be made up by reading in one day, so I don't have to think about it any more. What can I catch. Now that I have passed the examination, I am familiar with the examination process. Operation must not be difficult, mainly written examination, my personal suggestion is the key: first, outline, don't look down on the outline, before the examination, the scope of cases to be tested must be clear, don't do useless work when reading. Everyone knows that the focus of the written examination is the four books on women and children, and the other departments do not necessarily account for the proportion of these four books. Well, in fact, there are only a few diseases in each examination. They are nothing more than symptoms and signs auxiliary examination, diagnosis, differential diagnosis and treatment. Remember that each disease has its own "flash point", such as Velcro rales, which is the flash point of pulmonary fibrosis. Two true questions, sum up carefully, figure out the routine, and don't panic when making mistakes. When I just did it, the error rate was more than 50%, The key is to sum up the routine and the knowledge points that are easy to test. After the real title is done, you can guide the reading, because you will have a little experience on what kind of knowledge points are easy to test. Many people just can't read because they don't know how to do the test. Such comrades strongly suggest that we report to class. I hereby declare that it is not an advertisement...
I wish you all the best in the exam~
8. The steps of housing provident fund loan are as follows:
1. The real estate appraisal agency designated by the housing provident fund management center (hereinafter referred to as "the center") shall evaluate the house to be traded, determine the loan amount, term and repayment method, evaluate the house to be traded, determine the loan amount and the value of the house (collateral) to be traded by both parties, and the two parties shall actively cooperate with each other. According to the pre evaluation report issued by the evaluation agency, the transaction price of both parties and the repayment ability of the borrower, the center concts pre examination on the amount and term of the loan to be applied for by the employees, and issues the confirmation form of pre examination on the amount and term of the loan for second-hand housing of housing provident fund to the employees
2. Employees who need to file for loans and are ready to apply for second-hand housing loans shall submit the proof of the borrower's (spouse's) wage income and housing provident fund deposit (in triplicate) and the original and of the housing ownership certificate before the transaction, and the business personnel shall verify whether the employee's housing provident fund deposit is normal, Whether the wage income certificate of the employee (spouse) is true and standard< There are two ways to guarantee the loan of second-hand housing provident fund: stage guarantee, mortgage and mortgage. The borrower can choose according to his own actual situation. If the second-hand housing loan is handled by means of phased guarantee plus mortgage, the guarantee company selected by the borrower shall undertake the phased joint and several liability guarantee for the borrower before the mortgage registration proceres of the housing purchased by the borrower are completed and the other certificates of the housing are delivered to the entrusted bank for collection. If the second-hand housing loan is handled by mortgage, the borrower shall complete the mortgage registration proceres for the housing purchased before the loan is extended, and the certificate of other items of the housing shall be kept by the entrusted bank.
1. The real estate appraisal agency designated by the housing provident fund management center (hereinafter referred to as "the center") shall evaluate the house to be traded, determine the loan amount, term and repayment method, evaluate the house to be traded, determine the loan amount and the value of the house (collateral) to be traded by both parties, and the two parties shall actively cooperate with each other. According to the pre evaluation report issued by the evaluation agency, the transaction price of both parties and the repayment ability of the borrower, the center concts pre examination on the amount and term of the loan to be applied for by the employees, and issues the confirmation form of pre examination on the amount and term of the loan for second-hand housing of housing provident fund to the employees
2. Employees who need to file for loans and are ready to apply for second-hand housing loans shall submit the proof of the borrower's (spouse's) wage income and housing provident fund deposit (in triplicate) and the original and of the housing ownership certificate before the transaction, and the business personnel shall verify whether the employee's housing provident fund deposit is normal, Whether the wage income certificate of the employee (spouse) is true and standard< There are two ways to guarantee the loan of second-hand housing provident fund: stage guarantee, mortgage and mortgage. The borrower can choose according to his own actual situation. If the second-hand housing loan is handled by means of phased guarantee plus mortgage, the guarantee company selected by the borrower shall undertake the phased joint and several liability guarantee for the borrower before the mortgage registration proceres of the housing purchased by the borrower are completed and the other certificates of the housing are delivered to the entrusted bank for collection. If the second-hand housing loan is handled by mortgage, the borrower shall complete the mortgage registration proceres for the housing purchased before the loan is extended, and the certificate of other items of the housing shall be kept by the entrusted bank.
9. Mining will not use knife card, basically all equipped with the most high-end graphics card
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