How long does it take for the second-hand resettlement housing provident fund loan in Jinjiang Liushi Garden to be signed and transferred?

It usually takes 15 to 20 working days, mainly depending on the completeness and speed of the preparation materials.

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:

Handling process: the center consults and obtains the application form: the buyers and sellers of the house and their spouses (unmarried or divorced, certificates should be issued) pre-register in the municipal capital center, and obtain the application form for provident fund loan in the name of the seller with the original property ownership certificate, state-owned land use certificate, household registration book, ID card and marriage certificate.

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

Application form for provident fund loan;

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

The evaluation report of the purchased house;

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

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

Husband and wife's ID card, household registration book, marriage certificate (original and photocopy, single employee should provide single certificate).

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.

4. Transaction transfer: both the buyer and the seller of the house go to the real estate bureau and the Land and Resources Bureau to handle the transfer procedures of the "two certificates" transaction.

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

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

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.

8. Monthly repayment: The borrower shall repay the loan principal and interest on a monthly basis as agreed in the loan contract until the loan is fully paid off.

9. Settlement of loan: After the borrower settles the last loan, I personally go to the loan bank counter to go through the repayment settlement procedures.

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