What are the procedures for Zhuji 20 16 off-site provident fund loan to buy a house?

1, provident fund loan procedures:

(1) First of all, you can call the management department or go to the management department for consultation in person to find out what materials you need; After you have prepared the materials, you can conduct the preliminary examination; After the evaluation report comes out, it will go to the management department for further review to determine the final loan term, loan amount and guarantee method. Come to the management department for the last time, sign the relevant contract, and then you can wait for the personal loan handling bank to inform you to go through the loan issuance procedures.

(2) On a voluntary basis, you can entrust an institution certified by Beijing Housing Provident Fund Management Center to handle housing provident fund loans on your behalf. After entrusting an agency, a power of attorney shall be signed with the entrusted agency. The agency can handle specific loan procedures on your behalf within the scope authorized by the power of attorney. For the purchase of affordable housing, after signing an agreement with Beijing Housing Loan Credit Information Service Center, the entrusted institution can handle the application procedures for credit evaluation on its behalf. But after your loan application is approved, you should pay attention that you (married couple) must go to the provident fund management department that accepts your loan application and sign the relevant contract.

2, the purchase of second-hand housing matters needing attention:

First, the seller is required to provide the original legal property right certificate, and go to the housing management department to inquire about the authenticity of the property right certificate, as well as the property right source and property right record of the purchased property. Such as the owner, registration date, transaction price, the integrity of the seller's property rights, whether it is mortgaged, whether it is enjoyed, etc.

Secondly, it is necessary to find out whether the source of the purchased house belongs to the house that is allowed to be sold. General public houses must be sealed by the original unit before they can be sold.

Unlike commercial housing, the sale of second-hand housing is generally a "case". Therefore, whether the price, room condition and apartment type are reasonable, whether all kinds of management are in place, whether the power supply capacity can load large household appliances such as air conditioners, whether there are traces of water seepage on the ceiling, whether the walls are cracked and peeled, the security level of the community, property management fees and charging standards, and so on. In addition, please don't forget to know how long you have bought the house and how long the land use period is; Are there any arrears, such as property management fees, utilities, gas fees, etc.

On the basis of mastering the basic situation of housing, the value of second-hand housing is compared and judged from many aspects.

Finally, I remind you that if you buy a second-hand house, don't trust the other party. You must go through the transfer formalities legally and thoroughly. Second-hand housing must be handled by the housing and land management department to truly change the owner, and the guarantee and notarization of any other unit are not regarded as completing the transaction.

If you are not sure, you can log on to the super broker network to inquire about relevant information.

Hope to adopt. Thank you.