Provident fund loans to the real estate trading center mortgage

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1、 What kind of mortgage can be used for bank mortgage loan

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real estate. The first thing that bank mortgage can be used to mortgage is real estate, such as personal housing, family housing, real estate factories, shops, etc. With real estate mortgage loan, generally need to evaluate first, after evaluation, can loan to 78% of the evaluation price

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2. It is impossible to have such a situation. First, if it is a housing purchase with provident fund loan, that is, after the approval of the provident fund center, the bank designated by the provident fund will carry out mortgage loan, and the approved loan will be directly transferred to the developer. Second, if it's a personal housing loan, it's only to mortgage the real estate purchased by the lender. There's no need to mortgage other people's real estate certificate. Third, if it's to mortgage other people's real estate certificate, then you belong to the guarantor. At that time, if there is a debt dispute, you also have the responsibility. Therefore, the house property certificate cannot be borrowed.

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4. At that time, you can repay it on time, because you authorized the loan in your real name. Of course, if the lender paid it back, there would be nothing wrong with you.

5. Is the application for provident fund mortgage loan? Provident fund loan is a measure to establish public housing fund for employees, which is a measure to carry out the housing system reform in China. The purpose is to solve the housing difficulties of employees by the state, the collective and the indivial
only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and the total balance of housing provident fund accounts of the applicant's husband and wife is about 20 times
loan proceres: according to the purchase of a first-hand house or a second-hand house, the following items should be provided: identity certificate, household register, marriage certificate, house ownership certificate, land certificate (or ), sales contract, deed tax ticket, evaluation report, income certificate of the buyer's husband and wife, and no house certificate
after the materials are ready, follow the guidance of the banking department and go to the housing management department to apply for the relevant certificates of other rights!

6. The mortgage certificate must be obtained by the staff of the center before the loan can be issued according to the planned funds.

7. After the housing fund loan, the housing fund will be mortgaged by the housing fund loan center for about 6 months. For details, you can call 82011234 to consult

hope to help you.

8. Generally, you can get the property certificate back in 7 working days.
the steps are as follows:
1. Take the house purchase contract, loan contract and loan repayment record to the repayment bank to issue the proof that the loan has been paid off
2. Take the certificate issued by the bank, the original property right certificate, other property rights certificate, house purchase contract, loan contract, property owner's ID card, household register and other information to the real estate transaction department for card replacement.

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The house property certificate of provident fund loan should be mortgaged to the bank. When the provident fund loan is used to buy a house, the house property certificate can be obtained only after the loan is paid off; For the provident fund loan guaranteed by the Guarantee Center, the borrower does not need to get the house property certificate from the Housing Authority, and the Guarantee Center will get the house property certificate on behalf of the borrower

conditions for applying for provident fund loan

1. Having a city permanent residence or valid residence certificate

2. Continuously deposit the housing provident fund in full for more than 12 months, or continuously deposit the housing provident fund for more than 12 months after withdrawing the housing provident fund

3. Purchase, build, rebuild and repair self occupied ordinary housing (excluding commercial and residential housing) in the city area, and have relevant proceres 4. Stable income, good credit and the ability to repay the loan principal and interest. 5. Agree to guarantee in accordance with the guarantee method recognized by the provident fund center. 6. Agree to guarantee in accordance with the relevant provisions of the measures and the housing provident fund loan contract, Fulfill the repayment obligation on time

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extended information:

application process for provident fund loan Each branch of the provident fund center puts forward suggestions on the loan amount and term through the examination of the authenticity and repayment ability of the borrower's house purchase. After the preliminary examination is qualified and the opinions are signed by the person in charge of the branch, it is reported to the municipal provident fund center for approval If the loan is approved, the branches of the provident fund center shall transfer the loan materials to the entrusted bank, and the entrusted bank shall notify the borrower and the mortgage guarantee parties, sign the housing provident fund loan contract, and handle the mortgage guarantee proceres; For those who do not meet the loan conditions, each branch shall inform the applicant of the loan and explain the reasons.

5. The entrusted bank shall issue the loan to the borrower

10. You need to take the settlement proceres to the Construction Committee to handle the mortgage release proceres
pay off the mortgage, and the bank will issue the settlement proceres within 1-3 working days. With the settlement proceres, you can go to the real estate bureau to complete the real estate mortgage release at that time, and then you can carry out other transfer proceres
the materials needed to go through the proceres of real estate mortgage release are as follows:
I. mortgage of personal creditor's rights: I will go to the trading center for cancellation with my certificate and the creditor's receipt or the running bill (the amount is right) that can be proved to the creditor, and the debtor's ID card (or a of the business license)
2. Bank credit mortgage: when an indivial pays back the loan, he / she should bring the information provided by the bank, including the of the business license of the bank, the of the legal person, the of the client, the certificate of other rights, etc., and the house property certificate to the transaction center for cancellation.