How to handle the mortgage of provident fund loans and real estate licenses?

First, how to apply for the mortgage of real estate license for provident fund loans?

The mortgage loan of real estate license needs to meet the mortgage conditions of real estate license and provident fund loan conditions before it can be used.

First, the real estate license mortgage loan procedures:

(1) Application conditions for mortgage loan of real estate license:

1, nature of the house; Houses, office buildings, villas, commercial houses, housing, affordable housing (strictly subject to affordable housing) and clear property rights within 20 years;

2. Mortgagor or borrower (normal age 18-65 years old) and in good health;

3. The mortgagor or borrower has no fatigue for three consecutive months in the last 24 months;

4. The mortgagor or borrower can prove the source of repayment and other assets (certificates of deposit, two houses, stocks, funds, etc.). );

The actual use of funds is clear.

(2) Preparation data of mortgage loan for real estate license;

1. Original and photocopy of ID card and household registration book of the borrower and spouse (if single, single certificate is required);

2. Proof and copy of the borrower's marital status;

3. Family property, car ownership certificate and its photocopy, and other assets certification materials (original and photocopy of house ownership certificate, land use certificate and deed certificate);

4. Statement of personal main bank account in recent 6 to 12 months (with bank seal);

5, work unit income certificate;

6. Proof materials such as family private loans;

7. Evaluation report.

Second, provident fund loans:

(1) Application conditions for provident fund loans:

1, the identity is legal and valid;

2. Have full capacity for civil conduct;

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

4, purchase, construction, renovation, overhaul occupied housing;

5, with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related documents;

6. Provide customer-recognized guarantee;

7. The borrower and his wife have no outstanding housing provident fund loans or housing provident fund policy discount loans;

8. Deposit conditions: continuous payment 1 year.

(2) Provident fund loan preparation information:

1. Original and photocopy of the borrower's ID card;

2. The original and photocopy of the spouse's ID card;

3. A copy of the original account of the borrower;

4. Original and photocopy of the house purchase contract;

5, provident fund application form.

Second, how to handle the existing housing provident fund mortgage loan?

-How to judge the legality of existing houses? Although there are many problems in ownership at this stage, it is "difficult" for existing home buyers to apply for provident fund loans, but it is not that existing homes cannot apply for provident fund loans. Then, how can property buyers buy existing homes and apply for provident fund loans? To this end, Kang Zheng Acer experts who have been engaged in this work for many years said that the first thing to judge is whether the purchased existing home is legal. Judging whether the sale of existing homes conforms to the provisions of the Measures for the Administration of Commercial Housing Sales, mainly includes: (1) The real estate development enterprise selling commercial housing should have the business license of enterprise legal person and the qualification certificate of real estate development enterprise; (2) Obtaining a land use right certificate or a land use approval document; (3) Holding a construction project planning permit and a construction permit; (4) It has passed the completion acceptance; (5) Resettlement has been implemented; (six) water supply, power supply, heating, gas, communications and other supporting infrastructure have delivery conditions, other supporting infrastructure and public facilities have delivery conditions or the construction progress and delivery date have been determined; (seven) the property management plan has been implemented. When purchasing a commercial house, the buyer intends to apply for a provident fund loan. Property buyers can first ask the developer whether the project has obtained a commercial housing sales license. If the commercial housing sales license has been obtained and the sales license is still valid, the commercial housing sales contract signed by the buyer and the seller must go through the pre-sale registration in the real estate management department. In this way, although the purchase of existing homes, but the procedures for applying for provident fund loans can be the same as the purchase of faster. If all the projects have been sold, or the commercial housing sales license has expired, and the commercial housing sales license will not be processed or renewed at the current sales stage, that is, all the commercial housing sales have been completed, then the application for provident fund loans must comply with the regulations of Beijing Housing Provident Fund Management Center on lending after the mortgage registration of existing houses. Property buyers should pay attention to the following issues when purchasing existing houses and confirming that they want to apply for provident fund loans: 1) Housing provident fund management center requires existing houses to be mortgaged before lending. Then, after receiving the loan commitment letter from the fund management center, the developer should handle the house ownership certificate for the buyers, and then go through the mortgage registration procedures. Property buyers should confirm with the developer whether they can handle the "Property Ownership Certificate" before the loan is issued, which is a key step in handling the loan procedures. 2) In order to help provident fund loan applicants solve the existing housing loan problem, Beijing Housing Loan Guarantee Center has designed such a process: the developer signs an agreement with the guarantee center, and the guarantee center provides joint and several liability guarantee for the loan, so that the loan issuance time is advanced to the time when the Real Estate Sales Contract is concluded. However, the premise of adopting the guarantee center guarantee is that the developer signs an agreement with the guarantee center. 3) Of course, if the buyer owns another house, has a legal house ownership certificate, and the mortgage value can meet the loan amount, he can apply to mortgage the existing house ownership certificate and apply for a provident fund loan for the purchased commercial house. -Steps for existing home buyers to apply for provident fund loans What information do existing home buyers need to prepare to apply for provident fund loans, and how many application steps do they need to go through? Kang Zheng Acer's experts introduced this as follows: 1. Property buyers to the provident fund deposit center to apply for loans, the first trial passed, they will receive a notice of mortgage review and evaluation. 2. The property buyers bring the assessment notice, the commercial housing sales contract and the original ID card to the assessment agency for assessment. 3 assessment agencies have not yet obtained the "Housing Ownership Certificate" of existing homes, issued by the "Preliminary Opinions on Collateral". 4. The property buyers hold the preliminary opinions of the collateral and issue a loan commitment letter to the fund center applying for the loan. 5. Buyers take the loan commitment letter and find the developer to handle the personal real estate license. 6. Property buyers shall redeem the official appraisal report with the Property Ownership Certificate at the appraisal institution. 7. After mortgage registration, the fund center entrusts the bank to issue loans.

Third, the provident fund mortgage process?

Treatment process

1. To apply for housing provident fund loan, the borrower shall submit a written application to the bank, fill in the application form for housing provident fund loan and truthfully provide the following information:

(a) the applicant and spouse housing provident fund deposit certificate;

(2) the identity certificate of the applicant and spouse (referring to the valid residence certificate such as resident ID card and household registration book) and the proof of marital status;

(3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;

(four) the purchase of housing contracts, agreements and other valid documents;

(5) List of collateral, pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of collateral valuation issued by relevant departments;

(VI) The Provident Fund Center requires a third-party guarantor to provide a guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * * sign a tripartite contract.

(seven) other information required by the provident fund center.

2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time.

3, provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results.

4. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract.

5. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.

Four, how to handle the existing housing provident fund mortgage loan?

Mortgage loan for existing housing of provident fund requires buyers and sellers to apply for a loan at the guarantee center, which is equivalent to a loan letter, and both parties go to the Housing Authority for transfer.