How long does it take for Hanzhong housing provident fund loan?

Where the housing provident fund has been continuously (deposited for more than half a year), fully and timely deposited into the special bank account designated by the provident fund management institution, employees may apply for housing provident fund loans when they lack funds to purchase improved ordinary self-occupied housing. At the same time should have the conditions:

1, with valid ID;

2 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan;

3. To purchase (build) a house, there must be a legally approved purchase contract or agreement;

4. The down payment shall not be less than the prescribed proportion;

5. Agree to guarantee according to the guarantee method recognized by the provident fund management institution;

6. Other conditions stipulated by laws, regulations and rules.

Required material editing

When individuals apply for housing provident fund loans, they can consult the provident fund management institution and fill in the Application Approval Form for Personal Housing Provident Fund Loans in Hanzhong City, and submit the following materials (the sample of the filled form can be downloaded from the portal website of Hanzhong Housing Provident Fund Management Center): 1, personal information (pasted in the specified position of the form): (1) Copy of the ID card of the borrower and spouse (in duplicate). (2) Copy of the borrower's marriage certificate (two copies); (3) Proof of income of the borrower and spouse (in duplicate) (fill in the form); (4) Personal credit report (one copy) (as stipulated in document No.26 of Korea Financial Management); (5) A declaration form of the loan applicant's family members and their names (copy 1 copy) or a complete set of family housing certificates (copy 1 copy). 2. Purchase (building) information: (1) The real estate access system is implemented in the advance purchase of commercial housing. After the developer and the provident fund management institution sign the Cooperation Agreement on Personal Housing Provident Fund Loan for Commercial Housing Sales, the applicant shall provide the purchase contract (one copy) and payment voucher and copy (two copies) that meet the statutory requirements; (2) Units raise funds to build houses and implement the project access system. By selling units to the provident fund management institutions to submit the "unit fund-raising construction (group purchase) housing individual housing provident fund loan declaration form", building approval materials; (3) For newly-built or rebuilt self-owned houses, the applicant shall provide the approval documents (including building permits) from the district, county and above planning land management departments. ) and the project budget report of building and renovating houses; (4) In case of house overhaul, the applicant shall provide the approval documents of the housing management and planning management departments at or above the county level, and a copy of the project budget report of house overhaul; (5) For the purchase of demolition and resettlement houses (including the relocation of immigrants), the applicant shall provide the standard demolition and resettlement agreement of the resettlement department (the construction and demolition shall provide the notice of building land and the building certificate, building contract and budget issued by the local villagers' committee and the town government (office) and the proof of payment of the house price; (6) To purchase a second-hand house, the applicant shall provide the house ownership certificate, the house sales contract and the deed tax payment invoice; (7) When personal housing commercial mortgage loan is converted into housing provident fund loan, the applicant shall provide the original purchase contract, real estate sales invoice, commercial loan loan contract, house advance notice registration certificate or other property right certificate or the approval form for mortgage registration of pre-purchased commercial housing loan or a copy confirmed by the commercial loan bank; The commercial loan bank agrees with the written opinion of the borrower to repay the loan balance in advance. In addition to the originals, copies of the above materials shall be provided for purchasing (construction) (2)-(7).

Processing flow editing

Consultation, preliminary examination and review-> "loan review meeting" research, leadership approval->; Sign a loan contract-> Entrusted bank for approval-> Loan from provident fund management institution