Zhenjiang second-hand housing provident fund loan

How to buy a second-hand house with Zhenjiang provident fund loan?

Buying a second-hand house can apply for a provident fund loan. There are two ways to apply for provident fund personal housing loans:

1. The borrower directly applies for a loan from the municipal capital center. Processing flow:

The first step is to consult in the center and get the application form: the buyers and sellers of the house and their spouses (unmarried or divorced, they should issue certificates) pre-register in the city financial center, and get the application form for provident fund loan in the name of the seller with the original house ownership certificate, state-owned land use certificate, household registration book, ID card and marriage certificate.

Step 2: The borrower shall submit the following loan information to the municipal capital center:

(1) provident fund loan application form;

(2) proof of deposit of provident fund (or household registration book of housing provident fund) and proof of economic income;

(3) the evaluation report of the purchased house;

(4) The stock house sales contract signed by the buyer and the seller;

(5) Real estate license and state-owned land use certificate in the name of the original seller (original and photocopy);

(6) Both husband and wife's ID card, household registration book and marriage certificate (original and photocopy, and single employee shall provide single certificate. )

Step 3: Acceptance and approval by the "center": the municipal capital center accepts the information of loan applicants, and determines the loan amount and term after approval.

The fourth step is transaction transfer: the buyer and the seller go to the real estate bureau and the Land and Resources Bureau to handle the transfer procedures of the "two certificates" transaction.

Step 5: Sign the contract: the borrower holds the transferred "two certificates" and deed tax payment invoice (original and photocopy), the municipal capital center issues a loan commitment letter to the designated bank, signs loan documents such as loan contract and mortgage contract, and the seller opens a special deposit account in the loan bank.

Step 6: Mortgage: The borrower goes to the real estate bureau to register the mortgaged house and get the real estate license.

Step 7: Lending: After all the loan procedures are completed, the municipal capital center will directly transfer the loan funds to the deposit account opened by the seller through the bank.

Step 8: Monthly repayment: The borrower repays the loan principal and interest on a monthly basis according to the loan contract until the loan is fully paid off.

Step 9: Settle the loan: When the borrower settles the last loan, I shall personally go to the loan bank and go through the repayment settlement procedures at the counter.

Step 10 Mortgage Cancellation: After the borrower has repaid all the loan principal and interest, he shall go through the mortgage registration cancellation formalities with the original real estate mortgage registration department with the settlement certificate and mortgage cancellation certificate issued by the loan bank, the original house purchase contract or real estate license and personal ID card.

2. The borrower entrusts an intermediary company to handle the formalities.

In the first step, the customer directly consults with the guarantee company or intermediary company and gets the loan application form.

Step 2: The borrower submits a complete set of loan information to the guarantee company or intermediary company, which will send it to the municipal capital center for approval.

Step 3: The municipal capital center will issue a loan commitment letter after examining and approving the loan qualification, amount and term.

Step 4, the guarantee company or intermediary company handles the transfer procedures of real estate license and land certificate for the buyers and sellers of houses, and the loan bank signs a loan and mortgage contract with the borrower, and signs a tripartite agreement with the guarantee company or intermediary company to provide guarantee.

Step 5 After the transfer of the real estate license, the municipal capital center can release the loan funds, and directly transfer the loan funds into the deposit account opened by the seller through bank transfer, and the borrower will repay the loan principal and interest on a monthly basis from the month following the loan contract.

Step 6: The guarantee company or intermediary company handles the mortgage registration formalities for the borrower and submits the house ownership certificate to the loan bank for safekeeping and filing.

How much is the down payment of Zhenjiang second-hand housing provident fund loan?

This depends on whether the buyer is the first suite or the second suite, and whether he has applied for a provident fund loan before.

Apply for a provident fund loan for the first time to purchase owner-occupied housing in Zhenjiang city, and the down payment ratio of the loan shall not be less than 30%; The down payment ratio of the second provident fund loan is not less than 60%; Apply for provident fund loans to buy self-occupied housing in Danyang and Yangzhong, and the down payment ratio of loans shall not be less than 20%; Apply for provident fund loans for the first time and the second time to buy self-occupied housing in Jurong Sub-center, and the down payment ratio of the loan shall not be less than 30%.

How much is the down payment of Zhenjiang second-home provident fund loan?

The down payment ratio of provident fund loans to purchase houses is 30%.

The down payment ratio of housing provident fund loan refers to the ratio of the house purchase price paid by the buyer to the seller in advance to the total house price. The down payment for the house purchase is needed by the family, and the gap can be applied for a loan to complete the full purchase.

Under normal circumstances, deducting the down payment from the house price is equal to the loan amount. If the down payment ratio is higher, the threshold of housing loan will be higher. At present, the down payment ratio of provident fund loans in our city is 30% for existing houses and mortgaged commercial houses, and 40% for second-hand houses.

Housing provident fund loans to buy a house:

1, housing provident fund loan down payment description: provident fund cannot be directly used as down payment for buying a house. Citizens need to pay the down payment first, and then go to the housing provident fund management center to withdraw the storage balance in their own provident fund.

2. The maximum loanable amount of the housing provident fund loan is calculated according to the balance of the housing provident fund account:

The calculation formula is: (balance of provident fund account, monthly contribution of provident fund ×2× statutory retirement months) ×2.

3, the housing provident fund loan amount is calculated according to the maximum loan amount:

If one person applies for a housing provident fund loan, the maximum loan amount is 500,000 yuan, and if two or more people purchase the same house and apply for a housing provident fund loan, the maximum loan amount is 800,000 yuan.

4. The total withdrawal of housing provident fund cannot exceed the total purchase price. For example, a house bought by a citizen with a loan costs 200,000 yuan, and only 200,000 yuan can be withdrawn from the provident fund.

5. After the housing provident fund loan is settled, you can use the provident fund to buy a house. Whether before marriage or after marriage, one of the husband and wife has applied for provident fund loans, which will be recorded in the system. If the provident fund loan for the first suite has been settled, it is still regarded as the first time for both husband and wife to buy a house with the provident fund loan.

What conditions and materials do Zhenjiang provident fund loans need to buy second-hand houses?

Applicants who purchase second-hand houses shall submit the following materials to the provident fund management center:

4 copies of the borrower's ID card;

1 household registration book;

Loan application form;

1 house sales contract;

2 evaluation reports;

2 copies of the transferred house ownership certificate and ownership certificate;

Copy of duty-paid invoice 1 copy;

And sign a loan contract after paying relevant fees (guarantee fee, mortgage registration fee, agency fee, etc.). ).

Processing flow:

The applicant holds the notarized second-hand housing sales contract to the housing provident fund management center (hereinafter referred to as the center) to receive the loan application form;

The applicant shall go to the center to review the loan amount and calculate the payable expenses with the ID card, household registration book, completed loan application form, house sales contract, transferred house ownership certificate, evaluation report and other materials of himself and the auxiliary borrower;

Submit information;

The applicant draws money at the bank window of the center on the specified date and receives the receipt.

Can second-hand houses be loaned by provident fund?

Legal analysis: Second-hand houses can use provident fund loans. Eligible second-hand housing can be provident fund loans. The conditions that the borrower needs to meet if he wants to give a second-hand housing provident fund loan include:

1. The borrower has stable income, good credit deficit and repayment ability;

2. The borrower's work unit purchases provident fund for him and reaches the purchase period specified in the local provident fund loan conditions;

3. The amount in the current provident fund account is sufficient;

4. The borrower Cage has the ability to pay the down payment for the second suite;

5. Other conditions stipulated by the local provident fund management center.

Legal Basis: the Supreme People's Court's Interpretation of Several Issues Concerning the Application of Law in the Trial of Commercial Housing Sales Contract Cases Article 25 If the parties conclude a sales contract for the purpose of obtaining the fictitious facts of housing sales with bank loans, the parties have no real intention to buy or sell the house, and the housing sales contract is invalid.

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What are the loan processes of Zhenjiang Provident Fund?

What conditions do individual housing provident fund loans need to meet? The main contents are as follows:

1. The borrower has full capacity for civil conduct;

2. Have the official residence or valid residence status in this city;

3. Have stable economic income, good credit and the ability to repay the principal and interest of the loan;

4. The housing provident fund shall be paid normally before the loan, and it shall be paid continuously for more than half a year;

5, can provide a valid contract or agreement for the purchase of owner-occupied housing;

6. In the purchase contract, the borrower and the purchaser must be consistent, and the person who purchases the property right (except the spouse) must issue a written commitment to agree to the mortgage of the house;

7, with not less than 30% of the purchase value of owner-occupied housing (second-hand housing more than 40%) of its own funds;

8. The borrower agrees to handle housing mortgage loan and insurance;

9, the purchase of commercial housing, developers should provide phased guarantee and report the relevant credit materials;

10. The borrower agrees to open a personal account with the loan undertaking bank, and agrees that the loan undertaking bank directly deducts the loan principal and interest from the account every month.

This is the last loan of Zhenjiang second-hand housing provident fund and Zhenjiang housing provident fund. I wonder if you have found the information you need?