Go to provident fund guarantee center
(management department, housing provident fund loan center and settlement center); It has three directly affiliated institutions: Beijing housing provident fund customer service center, Beijing Housing Loan Guarantee Center, and Beijing housing loan personal credit information service center.
the mortgagor should submit the following materials to cancel the real estate mortgage registration:
1. The mortgagor's ID card
2. Repayment certificate of housing provident fund loan and cash payment form of housing provident fund loan
3
4. House ownership certificate, real estate other certificate, Real Estate Co ownership certificate, state owned land use certificate and other related certificates
5. Application for cancellation of registration
cancellation of housing mortgage registration process of provident fund loan: after the borrower has paid off the loan principal and interest, the mortgagor, holding the borrower's last "housing provident fund loan repayment certificate" and "housing provident fund loan cash payment form", requires the loan issuing bank to issue the "loan repayment certificate" and obtain the "housing ownership certificate" deposited in the loan issuing bank For other certificates of real estate, Real Estate Co ownership certificate, state-owned land use certificate and other relevant certificates, the service hall of urban provident fund center shall issue the certificate of cancellation of real estate mortgage registration, and the management department of county provident fund center shall issue the certificate, Then, the mortgagor shall go through the cancellation registration proceres in the municipal real estate trading center with the "application for cancellation registration" and the above certificates, and the real estate management department shall take back the "other real estate ownership certificate", and fill in the cancellation date and seal the cancellation mortgage registration in the summary column of the "housing ownership certificate".
If you are in Beijing, after paying off the loan directly at the provident fund counter, what you need to do is:
the first step is to go to the provident fund management center (Fangzhuang) and open a certificate of paying off all the loans of the housing provident fund of Beijing housing provident fund Management Center (hereinafter referred to as the "certificate of paying off")
it is located on the second floor of Fangzhuang provident fund management center, Go to the information desk and ask for the "proof of repayment". They will give you a number and go to the counter to handle it. Need the original ID card, the original provident fund loan contract (orange cover of the book). "Beijing housing provident fund management center housing provident fund loan repayment certificate" issued at the counter in triplicate, with red seal and date respectively
the proof can be opened in a few minutes, and then the counter will give you a of "instructions for Beijing housing loan guarantee center to handle the end of guarantee proceres", that is to say, if you have finished the proof here, you still have to go to another place in the diagonal corner of Beijing
the second step is to give the bank a repayment certificate as a record.
when you come out of Fangzhuang provident fund center, you can stop by the urban construction branch of China Construction Bank in Fangzhuang (most people are from this bank, if it is not China Construction Bank, it is the bank that approved the loan at the beginning anyway), and give the counter a "repayment certificate" just issued by the provident fund management center (one out of three), Then you have two copies left for case. They will have a look at the original ID card and provident fund loan contract, there is nothing to do in the bank
the third step is to go to Beijing housing loan guarantee center to handle the guarantee termination proceres
Fangzhuang is the management center of provident fund and ZhongGuanCun is the housing guarantee center. The distance between the two brothers is not close. You have to trek from Fangzhuang to the North Fourth Ring Road to go through the "guarantee termination proceres". The good news is that you don't have to go there that day. Although it's written in three days, it's OK to go there in a few days
the completion of the guarantee procere is very simple. Call the counter, review the information, collect a repayment certificate, issue the loan repayment confirmation, and give you a of the original house purchase contract deposited in the Guarantee Center. Finally, check whether there are other arrears, and you can leave
location: 7 / F, west block, brilliant times building, 56 North Fourth Ring Road West (200m west of Dinghao electronic market)
information to be carried: ID card, marriage certificate, loan contract, repayment certificate, guarantee fee invoice issued when handling provident fund loan, property right certificate is required for those who have property right (this is not applicable to limited price house owners who do not have property right certificate), Note: all must be original. Processing time: Monday to Friday, 9:00-11:30, 13:00-16:00
reminder:
1. There are many people in the Guarantee Center, so go as early as possible. It's not easy to ask for leave. You can also arrange for Fangzhuang to go to ZhongGuanCun at noon in the morning, but you have to bring all the documents on both sides when you go out
2. If you need to handle it in person, it seems that you need to take a lot of certificates. It is said that several people registered on the property certificate must go to the guarantee center with their own certificates, which is not clear
3. Guarantee fee is non refundable. After 2004, the guarantee fee invoice issued by provident fund loan will no longer be refunded
only after these proceres can we really pay off the provident fund loan. The rest is to take good proof, urge developers to issue property certificate as soon as possible
the lending banks of provident fund loans are ICBC, BOC and CITIC Bank; Cooperative banks will graally increase, and it is expected that all banks handling provident fund loans will be opened within next year. Indivial housing provident fund loan of Bank of China refers to the loan issued by local housing provident fund management centers using housing provident fund to entrust commercial banks to deposit housing provident fund for purchasing, constructing, renovating and overhauling houses
extended information:
application process
1. Submit information
when the borrower applies for a provident fund loan from the management department of the provident fund management center where he / she deposits the provident fund, if he / she chooses the Guarantee Center to provide guarantee, he / she should submit all the materials required for his / her personal loan application, including personal and spouse's ID card, household registration book, marriage certificate, etc Divorce certificate, proof of down payment for house purchase, house purchase contract, proof of housing provident fund deposit, etc
2. Approval notice
after the loan application has passed the preliminary examination, the management department will issue the guarantee application approval notice, print the loan contract, mortgage (counter guarantee) contract and other relevant legal documents, and hand over all personal loan information to the Guarantee Center
3. Approval
the Guarantee Center reviews the guarantee application, and if the borrower meets the guarantee conditions, the guarantee center issues the approval opinion for guarantee application; If the borrower entrusts an intermediary agency to handle the provident fund loan, the agency shall be responsible for the guarantee application proceres and collect the guarantee service fee
4. Payment
the borrower shall pay the guarantee service fee according to the approved approval opinion of guarantee application. The Guarantee Center shall issue the guarantee service fee invoice and affix the official seal of the Guarantee Center to the approved legal documents such as loan contract, mortgage (counter guarantee) contract and custody contract< Transfer of materials: the approved personal loan application materials (including the sealed contract) shall be transferred to the housing provident fund management department by the Guarantee Center; If the agency is entrusted, the agency shall be responsible for the transmission of the above information< 6. Sign the contract
the housing provident fund management department supervises and guides the loan applicant to sign the loan contract, mortgage (counter guarantee) contract and other relevant legal documents
reference: Sogou - provident fund loan
Insurance editor to help you answer, more questions can be answered online
1. Yes, the conditions of provident fund loan are as follows: the account has been established for more than 12 months (inclusive), the provident fund has been deposited in full for more than 12 months (inclusive) normally, and the provident fund has been deposited in a normal state at the time of loan
2. The interest rate of provident fund for more than five years is 3.87%. It's not that the landlord doesn't agree with your provident fund loan, but that if the intermediary company recommends commercial loans, it can get a commission from the bank, and the provident fund is a government action, it won't give a commission. Often the intermediary will tell the seller that the processing speed of provident fund is slow, and the seller is eager to get the house money, So do not agree with the buyer to do provident fund loans. In fact, the speed of provident fund loan is not slow now, the process of second-hand housing is also very simple, there are several kinds of process, but here more introction, you can negotiate with the seller! Here to tell you that the provident fund audit days is 7 working days, but you buy second-hand housing because it involves going to the Construction Committee, so this period of time can not be guaranteed, the key depends on which district you buy the house, if it is Chaoyang District, then you are more miserable, because Chaoyang Construction Committee is absolutely bureaucratic, is the slowest District in Beijing
3. You said 4.15 is after 30% discount. The key depends on how the economy develops. Maybe that day there will be no discount. However, the interest rate of provident fund is policy oriented and must be lower than that of commercial loans
4. Although you don't meet the conditions of provident fund loan, let's talk about it with you! The first step is that the buyer and the seller go to Fangzhuang loan center to apply for provident fund loan, submit the materials (this time, the materials should be prepared, otherwise they have to run more), and conct preliminary qualification examination. Then tell you to deal with real estate assessment (assessment of second-hand housing is a must), this is the first trial. Then the two sides work separately. The provident fund side reviews and contracts. You go to deal with the real estate business (the key depends on what process you choose), and then you are informed to sign the contract face-to-face. You only need to come to the provident fund loan center twice (first review and face-to-face signing). Then there's bank lending. Provident fund audit as long as 7 working days, as long as you meet the provident fund loan conditions
5. As long as you buy a house in Beijing, you can pay the provident fund in Beijing
6. From what you said, it's like this
7. The buyer should provide ID card, household register, marriage certificate for married, temporary residence card or work residence card for foreign registered permanent residence, online sales contract for second-hand house and down payment receipt. All the above are original and need 4 sets of copies. If you find an intermediary, they will help you prepare them. The seller should bring the house property card and ID card. If the seller's property right certificate is jointly owned by several people, these people should carry their ID cards
8. Shunyi is not very clear. When you apply for a loan, you should go to the provident fund management department of Shunyi. Provident fund here process is fixed, the general audit time of 7 working days, gifts useless, impossible to receive. I don't know about the Construction Committee. Look for someone
9. For example, after the house is transferred, after the house is transferred and the mortgage registration is completed, or after seeing the deed tax ticket and the certificate receipt. The first review is to check whether you are qualified to make provident fund loan, and the second review is to check the correctness of the compound first review, and print the contract, etc.
10. The rest is nothing for the time being, that is, you should prepare the data when you go to the first review, otherwise you will go for nothing, and the first review window will tell you the process, you can ask more and choose according to your own situation. Come here again when you have problems
finally:
1. When you make a housing loan to the provident fund, how can you guarantee your normal repayment? Guarantee is the unit and person who can guarantee your normal repayment. At present, the common ways to guarantee the provident fund are: one is to use the house you bought as mortgage. The second is to choose the Guarantee Center to guarantee you (the Guarantee Center is a provident fund certification agency), but you have to mortgage the real estate to the Guarantee Center. Basically, there are two ways of guarantee. If you can't pay back the loan, the Guarantee Center will repay the loan for you first, and then negotiate with you to see why the loan can't be paid. It can help you to postpone the loan. If you really can't afford it, you have to auction the house. The proceeds from the auction will be paid back to the provident fund loan and the auction fee. If there is any surplus, you can get it back to yourself. If it is not enough, you can continue to recover it. Of course, you have to pay a certain guarantee fee, 3% of the loan amount.
2. The online contract is downloaded from the website of the construction commission. If you find an intermediary, the intermediary will be responsible. Down payment receipt sample intermediary also have, generally is to be able to prove that you have the down payment to the seller, the seller to your receipt, write a line. Maybe when they get to the provident fund, they will also give samples, and it will be OK to write at that time
Central State organ sub center
sub center and management department name: Beijing housing provident fund management center central state organ sub center sub center and management department
housing provident fund business telephone: 59059001 address: No.10, Chaowai Street, Chaoyang District, Beijing
Shanghai Putuo District Provident Fund Application Center Address: 1333 Dahe Road, Putuo District, Shanghai, east of Dahe road and Meichuan Road south of the intersection, along the direction of Dahe road
Tel: 021-52827407
extended reading: [insurance] how to buy, which is good, hand in hand teach you to avoid these "pits" of insurance
You can apply for indivial housing provident fund loan from each branch of the provident fund center
the borrower shall collect and truthfully fill in the housing provident fund loan application form from each branch of the provident fund center, and submit relevant materials to the provident fund center for review. 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 initial examination is qualified and the opinions are signed by the person in charge of the branch, it shall be submitted to the municipal provident fund center for approval
the municipal provident fund center made a decision to grant or not to grant the loan after examination, and transferred the loan materials back to each branch; 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
and signed the "housing provident fund loan contract" and went through the mortgage guarantee proceres; If it fails to meet the loan conditions, each branch shall notify the applicant of the loan and explain the reasons; The entrusted bank makes loans to the borrower
extended data:
the calculation of provident fund loan limit should be determined according to four conditions: repayment ability, housing price ratio, housing provident fund account balance and loan ceiling. The minimum value calculated by the four conditions is the maximum loan amount of the borrower
for those who use their own housing provident fund to apply for housing provident fund loan, the maximum loan limit is 400000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loan, the maximum loan limit is 600000 yuan. Using my housing provident fund to apply for housing provident fund loan, and I normally deposit supplementary housing provident fund when applying for loan
the maximum loan is 500000 yuan; If the spouse's housing provident fund is used to apply for housing provident fund loan at the same time, and he or his spouse normally deposits supplementary housing provident fund when applying for loan, the maximum loan limit is 700000 yuan