Go to the bank after finishing the procedure of provident fund c
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.
About seven to 10 days< br />
Generally, it will be issued to the account of the applicant's opening bank (bank card or passbook) within three working days and cannot be withdrawn directly
legal basis:
regulations on the administration of housing provident fund
Article 25 employees should apply to the housing provident fund management center for withdrawing housing provident fund with withdrawal certificate. The management center of housing provident fund shall make a decision on whether to withdraw or not within 3 days from the date of accepting the application, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment proceres
extended information:
one time repayment of provident fund loan for drawing housing provident fund:
(1) application form for drawing housing provident fund issued by unit finance or labor and capital
(2) original and of ID card, If the spouse's provident fund is withdrawn, the original and a of the marriage certificate and household register should be provided at the same time (3) the loan contract should be printed to the loan department of the lending bank for the repayment statement of indivial housing loan in the previous year (from the month of withdrawal to the current month of the previous year) and the bank should seal it (4) if the loan is returned with passbook, the repayment passbook and a of passbook should be provided; If the bank card is used to repay the loan, a detailed bank card issued by the bank counter in the latest year shall be provided (5) go to the loan department of the lending bank to sign the agreement on withdrawing housing provident fund and returning housing provident fund loan (if both husband and wife withdraw, both husband and wife shall sign and press their fingerprints, fill in the bank account and directly type it into the personal account)
Answer:
the money will be withdrawn into the joint card of the provident fund. This card is a savings card bound with the provident fund account, which can be handled by the bank designated by the provident fund center. You only need to bring your ID card when withdrawing the provident fund, after the withdrawal is successful, the provident fund will be directly printed into the joint card
the provident fund center shall make a decision to approve or not to withdraw the housing provident fund within 3 working days from the date of accepting the application. If the withdrawal is permitted, the commercial bank entrusted by the provident fund center shall handle the payment proceres, and the bank shall directly transfer the funds into the savings account of the joint card of the employee's housing provident fund
extended information (Introction to relevant information on provident fund):
housing provident fund refers to the long-term housing savings deposited by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, public institutions, private non enterprise units, social organizations and their employees
The definition of housing provident fund includes the following five aspects:(1) housing provident fund is only established in urban areas, but not in rural areas
(2) only in-service employees can establish the housing provident fund system. Urban residents without jobs and retired workers shall not implement the housing provident fund system (3) the housing provident fund consists of two parts, one is deposited by the employee's unit, the other is deposited by the employee himself. After the employee's indivial deposit part is withheld by the unit, it shall be deposited into the indivial account of housing provident fund together with the deposit part of the unit (4) the long-term nature of housing provident fund. Once the housing provident fund system has been established, the employees must pay in accordance with the regulations continuously ring their working period. Except for the employees' retirement or other circumstances specified in the regulations on the administration of housing provident fund, it shall not be suspended or interrupted. It reflects the stability, unity, standardization and compulsion of housing accumulation fund (5) housing provident fund is a personal housing fund which is specially used for housing consumption expenditure by employees according to regulations. It has two characteristics:one is accumulation, that is, although housing provident fund is a part of employees' wages, it is not issued in cash and must be deposited in the special account opened by housing provident fund management center in the entrusted bank, Special account management shall be implemented
The second is specificity. The housing provident fund is used for special purpose, which can only be used for purchasing, building, overhauling or paying rent ring the storage period. Only when the employee retires, dies, completely loses the ability to work and terminates the labor relationship with the unit or moves out of the original city of residence, can he withdraw the housing accumulation fund in his account According to China's regulations, all enterprises should deposit and pay housing accumulation fund to their employees, regardless of state-owned enterprises and private enterprisesreference link: Network: housing provident fund
personal housing provident fund loan process:
consultation → application for loan (borrower) → review (provide information) → signing loan contract and mortgage contract (bank) → handling contract certificate (notary office) → relevant insurance (insurance company) → handling mortgage registration of housing property right (real estate registry) → granting loan (receiving mortgage certificate) → Borrower repayment → mortgage real estate cancellation registration (full repayment)
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personal housing provident fund loan purchase materials:
1. Three copies of the applicant's and spouse's ID cards (positive and negative sides), two copies of the original household register (including the first page, home page, personal page)
2. Two copies of the borrower's marriage certificate; Unmarried person shall provide one original of unmarried certificate, two original of borrower's and spouse's income certificate, commercial housing sales contract signed by the buyer and the company The following proceres should be followed when applying for housing provident fund loan:
(1) the borrower needs to submit a written application to the municipal housing provident fund management center, fill in the housing provident fund loan application form and truthfully provide relevant information
(2) the municipal housing provident fund management center is responsible for the examination of the borrower's qualification, guarantor's qualification, loan amount and loan term, and the completion of the contract. After the agreement, the borrower and the center sign the relevant contract or agreement, and handle the insurance according to the provisions of the people's Bank of China
(3) after the loan proceres are completed, the municipal housing provident fund management center issues the loan approval notice to the bank, and the bank handles the loan transfer proceres after receiving the loan notice