How about Chenzhou provident fund loan?

When handling provident fund loans, you can entrust others to handle them, but you must go to the notary office to handle the notarization entrustment procedures. Notarization contents must include loan application for guarantee, application for signing loan contract and signing guarantee contract, etc. What is the guide for Chenzhou to apply for provident fund loans? The following contents are compiled by Net Bian Xiao for your reference. 1. Chenzhou application materials for provident fund loan 1, personal housing provident fund loan application form 2, husband and wife's identity certificate 3, husband and wife's household registration book 4, proof of marital status 5, borrower's own loan repayment card 6, proof of real estate situation 7, borrower and spouse's provident fund deposit information in other provident fund centers 8, second-hand housing online signing contract or sales agreement 9, loan contract and real estate license of the place of purchase 10. Seller's house ownership certificate, state-owned land use certificate or immovable property certificate 1 1, property owner's and spouse's ID card, household registration book 12, seller's marriage certificate 13, seller's consent to sell 14, and seller's bank card 14. The acceptance condition for Chenzhou to apply for provident fund loans is 1. The loan object has full capacity for civil conduct, and the employees who normally deposit the housing provident fund in other housing provident fund centers in the provincial center or the administrative area of the province. 2. Conditions for applying for a loan (1) The housing provident fund deposit meets the following conditions: ① the housing provident fund deposit is normal 12 months or more; (2) The housing provident fund account is in a normal state and has been paid 2 months before applying for a loan (overdue is not counted); (3) After the housing provident fund loan is settled, it needs to be deposited normally for more than 6 months before applying for the next housing provident fund loan; (4) If the borrower and spouse have normal or sealed accounts of housing provident fund in multiple centers, they should merge or cancel their accounts before applying for loans. (2) The real estate applying for a loan shall meet the following conditions: ① Within the administrative area of Changsha. The real estate applying for second-hand housing loans should have clear property rights, no debt disputes and no right of residence, and meet the market circulation conditions stipulated by the real estate transaction management department; ③ If the property for which the loan is applied is a second house, the area of the first suite of the borrower's family should be less than 144 square meters. (3) the purchase of owner-occupied housing occurred within one year before applying for a loan. (4) The borrower and spouse have no outstanding housing provident fund loans or the agreed withdrawal of housing provident fund has not been terminated. (5) The borrower and spouse have good personal credit records. (6) The borrower and spouse have stable economic income and the ability to repay the loan principal and interest. (7) The borrower and his/her spouse have no or no houses (including Changsha and other places). (8) The number of housing provident fund loans for borrowers and spouses (including the number of housing provident fund loans for provincial centers and other centers) shall not exceed 2 times. Among them, if the marriage relationship has applied for housing provident fund loans, both husband and wife shall count the number of loans separately. Three. The acceptance of Chenzhou's application for provident fund loans is based on Article 26 of the Regulations on the Management of Housing Provident Fund (revised 20 19). Employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. It is very cost-effective for Chenzhou to apply for provident fund loans, because the interest rate of provident fund loans is usually lower than that of commercial loans. If the amount of provident fund loans applied for is not enough, you can also apply for some commercial loans. If you have any other questions, please visit the website for one-on-one legal consultation.