Buy a house and go to the Administration Center

1.

online signing refers to online signing in the field of real estate, that is, after both parties sign a contract, they go to the relevant departments of real estate for filing and publish it on the Internet. Then, an online signature number will be given, and users can query online through the online signature number. Online signing is to make real estate transactions more transparent and prevent & quot; Sell more than one room;, It can be cancelled after signing the contract. General & quot; Online sign & quot; The proceres are as follows: 1. The parties to the transaction shall negotiate and draw up relevant terms according to the commercial housing deposit agreement or sales contract text publicized on the Internet; 2. The real estate development enterprises print the agreements or contracts confirmed by both parties through the online signing system; 3. Signature (seal) of both parties; 4. Indicate on the electronic property list that the commercial house has been reserved or signed. In the field of e-commerce, it can also be called e-contracting and contract signing. In order to avoid the unilateral agency without authorization & quot; Online signature;, According to the notice on improving the online signing process of stock housing sales contract issued by the Municipal Commission of housing and urban rural development, if both parties fail to sign or seal the contract and the real estate agency submits online information without authorization, the online signing behavior of the agency or personnel will be restricted after verification, and the illegal behavior will be publicized and exposed, If it is serious, the violation will be recorded in the credit file of the organization and personnel

2. The information required for handling the loan of provident fund in other places is as follows:
1. Application approval form (with the official seal of the unit) (3 copies)
2. Questionnaire on family and social relations of applicants (3 copies)
3. Copies of the house purchase contract (3 copies) and original records
4. Original copies of both sides of the applicant's and spouse's ID cards (3 copies)
5. Proof of payment and loan of employees' housing provident fund (3 copies)
6. The applicant shall provide a of ID card and contact number (3 copies) of a fixed contact person who is resident in the administrative region and deposits the housing provident fund in the center
7, marriage certificate (unmarried, divorced, need to provide the registered residence of the borrower's Civil Affairs Department) (3 copies) original;
8. Monthly salary certificate with the official seal of the borrower and his / her spouse's company (3 copies of salary details in recent 3 months with the official seal of the company shall be provided if the monthly salary is more than 5000 yuan)< 9. Copies of down payment receipt (3 copies)
10. Letter of authorization for personal credit business (to be filled in at the counter, one for each husband and wife)
11. Credit report inquiry application form (to be filled in at the counter, one for each husband and wife)
in addition to the above information, the evaluation report (3 copies) should also be provided for the off-site loan households who purchase second-hand houses

apply for housing provident fund loan process:
the employee who pays for the place of employment (deposit) and the owner occupied housing in the place where the registered residence is located (loan place) may apply to the loan provident fund management center to apply for the accumulation fund indivial or the rental housing loan according to the deposit certificate of the deposited provident fund.
when the management center of housing provident fund in the place of loan accepts and approves the loan of housing provident fund in other places, the management center of housing provident fund in the place of deposit shall issue the proof of the deposit and loan of housing provident fund and other relevant information of the employee and his / her spouse in the place of deposit.

3. The business process of withdrawing housing provident fund is as follows:
1. The employee shall submit an application for withdrawing housing provident fund to his unit with the withdrawal certificate, and the unit shall issue the withdrawal application in plicate after verification. The employees of the centralized storage account shall apply to the sub center or the management department for issuing the application for withdrawal
2. With the application form for withdrawal and other withdrawal application materials, employees apply for withdrawal of housing provident fund at the sub center or the management department where the housing provident fund is deposited. The sub center or the management department issues the withdrawal notice, and the employees sign to confirm the withdrawal amount
3. On the same day, the employee shall go to CCB to handle the payment proceres with two copies of withdrawal application and three copies of withdrawal notice approved and confirmed by the sub center or management department
4. The employee will return one of the withdrawal notice after the payment confirmation of CCB to the unit as the unit bookkeeping voucher
extraction conditions
housing consumption extraction includes one-time extraction and monthly extraction
1. One time withdrawal: including purchase of commercial housing, price limited commercial housing, targeted sales (resettlement) of affordable housing, private housing, public housing and other self owned housing; Build, rebuild and overhaul self owned housing on rural collective land
2. Monthly withdrawal: including repaying the principal and interest of housing loan; To pay the rent of the economic rental housing with allocation or * * rent subsidy
extraction of non housing consumption includes withdrawal of account cancellation and monthly withdrawal
1. Withdrawal of account cancellation: including retirement and retirement; Agricultural household registration workers are 60 years old for male and 55 years old for female; To settle in foreign countries, Hong Kong, Macao and Taiwan; Totally lose the ability to work, mostly lose the ability to work or have severe disability (grade one or two disability) and terminate or terminate the labor relationship with the unit; Receiving unemployment insurance benefits; The employees who are sentenced to criminal punishment, whose registered permanent residence is moved out of the city, or whose registered permanent residence is not in the city leave the city, and dissolve or terminate the labor relationship with their units; The housing accumulation fund account has been transferred to the centralized sealed account for at least two years or terminated the labor relationship with the original unit for at least two years; To work outside the administrative area of the city and establish and deposit housing accumulation fund locally; The employee dies or is declared dead. Compared with the original withdrawal policy, the withdrawal of agricultural household registration workers for two reasons, male over 60 years old and female over 55 years old, and working outside the administrative region of the city and establishing and depositing the local housing accumulation fund, are increased
2. Monthly withdrawal: including those included in the minimum living security or special poverty relief of urban residents in the city; Family members suffering from major diseases (including myocardial infarction, uremia, leukemia, liver cirrhosis, aplastic anemia, rheumatic heart disease, cerebral vascular malformation, cerebrovascular accident, necrotic intestinal obstruction, liver atrophy, severe compound trauma, severe electric injury, various cancerous lesions) are hospitalized. Compared with the original withdrawal policy, the reasons for being included in the scope of special poverty relief are increased.

4. It doesn't have to be in person. Apply for extraction of housing provident fund can be agent, need to write a declaration can
1. Proceres for drawing housing provident fund:
1. When drawing housing provident fund, the employee first applies to the unit, and after verification, fills in the "housing provident fund drawing form" (in plicate) and "housing provident fund drawing list" (in plicate), and affix official seal and financial seal
2 The handling personnel or employees of the deposit unit shall take the original and of their ID card, the application for withdrawal of housing provident fund, the detailed statement for withdrawal of housing provident fund and the original and of relevant supporting materials to the provident fund center for withdrawal
3. The handling personnel or employees shall return the transfer check to the financial department of the unit, The financial department shall pay cash to the employees according to the amount listed

5.

When buying a house, the housing accumulation fund can be put forward. When the house money is used, the housing accumulation fund can also be withdrawn to repay the house loan after the formal purchase

Taking Zhengzhou housing provident fund as an example, according to Article 1 of "clear card for withdrawing housing provident fund" issued by the state housing provident fund, employees can apply for withdrawing their own housing provident fund when they purchase their own housing. If the withdrawal amount is insufficient, the buyer's parents, spouses, children and co owners can apply for withdrawal of their own housing provident fund. The total amount of withdrawal shall not exceed the amount of house purchase paid by the employee (excluding the loan amount)

the required materials are: extracting the person's ID card Zhengzhou housing provident fund withdrawal application form; Draw the person's housing provident fund joint card; House purchase contract or house ownership certificate (valid for five years); Invoice or deed tax payment certificate

Article 3 if an employee repays the principal and interest of the self occupied housing loan, he / she can apply for drawing his / her own housing provident fund. The withdrawal amount shall not exceed the principal and interest of the loan that has been returned from the last withdrawal to the current withdrawal. If the withdrawal amount is insufficient, the buyer's parents, spouses, children and co owners can apply for withdrawal of their own housing provident fund

the required materials are: extracting the person's ID card Zhengzhou housing provident fund withdrawal application form; Draw the person's housing provident fund joint card; Loan contract; House purchase contract (second hand house shall be provided with house ownership certificate and deed tax certificate); Detailed statement of the principal and interest of the returned loan

extended data:

housing provident fund can not only be used to withdraw, but also to handle provident fund loans. According to Zhengzhou housing provident fund center "housing provident fund loan instructions" Article 1, all employees who normally deposit housing provident fund in the housing provident fund management center and purchase self occupied housing within the administrative region of the city can apply for housing provident fund indivial housing loan (the borrower is the housing buyer and the employee who is paying housing provident fund)< Article 2 loan conditions 1. The borrower and his / her spouse have valid identity certificates

2. The required proportion of down payment has been paid, the down payment + loan amount = the total house price, and the house price has not been paid off

3. After opening the deposit account, the borrower has paid the housing provident fund continuously, on time and in full for more than 6 months (inclusive), and has not paid the housing provident fund for more than 4 months in the near future

4. The family has stable income, good reputation and the ability to repay the loan principal and interest

5. Agree to provide loan guarantee method approved by housing provident fund management center

The borrowers and their spouses have no outstanding housing provident fund loans or large amount of debt

6.

Yes, after the down payment, sign the house purchase contract and apply for a loan

Materials needed for housing provident fund loan: household register of the borrower and his / her spouse; Resident identity cards of the borrower and his / her spouse; The borrower's marital status certificate; Proof of down payment for house purchase; The credit status report of the borrower and his / her spouse printed by the bank; Housing sales contract or agreement in accordance with the law

housing provident fund processing conditions: indivials and their units must continuously pay housing provident fund for one year; The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan; If the borrower purchases a commercial house, it must have no less than 30% of the total house price

3. Housing provident fund processing process: the lender prepares relevant information, goes to the bank to fill in the loan application, and submits materials; After receiving the application, the lending bank shall confirm and review the information; After the audit, the lending bank contacted the lender and signed the relevant contract; Bank loans, the lender to fulfill the repayment responsibility

extended data

several misunderstandings of provident fund loan

Many people think that since the provident fund is a welfare policy for employees to buy houses, it can be used to pay for the down payment. In fact, it is not because the provident fund can be withdrawn only after it is used, that is to say, the buyer can only go through the withdrawal proceres by providing relevant proof materials after purchasing houses

2. Children can't use their parents' provident fund loan to buy a house, because the provident fund between parents and children can't be used by each other. In the housing provident fund purchase loan application, it is regarded as two families, children and parents are separate, that is, two families

3. Housing provident fund can be withdrawn for house decoration

housing provident fund can only be withdrawn when employees purchase (including second-hand house), construct, rebuild and overhaul (the maintenance cost exceeds 30% of the house cost). Decoration is not within the scope of housing provident fund extraction, so it is impossible to extract housing provident fund from decoration

There is a big difference between provident fund loans and commercial loans, that is, the loan amount can not be calculated simply based on the real estate evaluation value, but should be calculated according to the borrower's income, deposit amount and deposit ratio, and can not exceed the maximum limit of provident fund loans

5. The total amount of withdrawal can exceed the total amount of housing fund

the total amount of withdrawal of provident fund can not exceed the total amount of housing fund, for example, the total price of housing purchased by loan is 300000 yuan, while the balance of his Provident fund is 400000 yuan, he can only withdraw 300000 yuan of provident fund, and the remaining 100000 yuan of provident fund can not be withdrawn

8. 1. Loan to buy a house
nowadays, a large part of people who buy a house will choose loans. In addition to commercial loans, housing provident fund can also be used to buy a house with loans. As long as the continuous full payment of housing provident fund to the specified period (generally 6 months or 12 months), you can apply to the housing provident fund management center for housing provident fund loans, whether it is remote or local loans to buy a house can apply. Moreover, compared with commercial loans, provident fund loans are cheaper and the interest is lower. But provident fund loans will also refer to personal credit records, if your credit records bad, housing provident fund center will refuse loans
2. Rental housing
housing provident fund can be used to pay the rent of economic rental housing with rent allocation or government rent subsidy, or the rent of market rental housing. If you need to pay the rent for three consecutive months, and you have not drawn the housing provident fund for your own housing, self built housing, group purchase housing, resettlement housing and other reasons, you can apply for the balance in the housing provident fund account to pay the rent. There are limits on the amount to be withdrawn. In general, employees and spouses can withdraw it once a year
3. Housing decoration
employees who have deposited the housing provident fund can apply for drawing the amount in the housing provident fund account for housing decoration, and can apply for the housing provident fund decoration loan. However, the housing provident fund decoration extraction business and decoration loan business is not applicable to the housing provident fund. As a new business, decoration extraction or loan is feasible, but also in accordance with the specific provisions of the local housing provident fund management center
according to the regulations on the administration of housing provident fund, the housing provident fund can be used for the purchase and overhaul of houses, and the purchase contract and down payment voucher must be provided for the purchase of houses, while the appraisal certificate issued by the housing appraisal agency must be submitted for the overhaul of houses. Housing decoration, general minor repair, medium repair can not use housing provident fund
4. Repay the house purchase loan
many people will choose to pay off the full amount in one time when they buy a house, and many will make housing provident fund loan or bank loan, which can help when they repay. The balance in the housing provident fund account can be used to withdraw and repay housing loans, including commercial loans, provident fund loans and portfolio loans. At the same time, it can also offset the return of interest and principal
5. Treatment of major diseases
family members, including employees themselves, minor children and spouses, who suffer from major diseases or major surgical treatment in hospital, employees themselves and their spouses can apply for withdrawal of housing provident fund. The application date should be within one year from the date of discharge, and the total withdrawal amount should not exceed the part of personal burden of hospitalization expenses
6. Withdrawal balance after account cancellation; When going abroad to settle down; In other words, when I am retired or reach the retirement age; The registered residence workers are 60 years old and 55 full. To work outside the administrative region of the city, and establish and deposit the housing provident fund locally; If the housing provident fund account has been transferred to the centralized sealed account for 2 years or the labor relationship with the original unit has been terminated for 2 years, the account can be closed and all the balance of the provident fund can be withdrawn
the content of this article comes from: Complete Book of financial laws and regulations of the people's Republic of China: including relevant policies, China Law Press