What is the process of Taizhou provident fund loan to buy a house?

1. What is the process of Taizhou provident fund loan to buy a house?

Provident fund loan conditions:

1. Have legal and valid identity documents;

2. The deposit status is normal, the provident fund has been paid in full for more than 6 months (inclusive) and the credit is good;

3. Have a stable income and the ability to repay loans;

4. Have a legal and effective purchase contract or agreement or the "Property Ownership Certificate" issued by the real estate administrative department;

5. For the purchase of housing, the down payment of not less than 30% of the total price of the purchased housing has been paid;

6 construction, renovation and overhaul of houses, can pay 30% of the total cost of construction, renovation and overhaul of houses;

7. The construction and renovation of houses shall be based on the approval documents of the planning and land management departments;

8 overhaul housing, approved by the planning and management department;

9. Being able to provide effective guarantee recognized by the management center;

10. Other conditions stipulated by relevant laws, regulations and policies.

Provident fund loan process:

1. The borrower applies for a loan at the accepting bank;

2. Accept the outlets to inquire about the property status under the family name;

3. Accept the acceptance of outlets;

3. sign a contract;

4. examination and approval;

5. The real estate trading center shall handle the mortgage registration procedures;

6. Bank loans.

Second, what is the maximum loan for Taizhou provident fund loan to buy a house?

Hello, housing

1. Household registration book of the borrower and his spouse;

2. Resident identity cards of borrowers and their spouses;

3. The borrower's marriage certificate

4. Proof of down payment for house purchase;

5. The credit status report of the borrower and his spouse printed by the bank;

6. Operator or agreement.

Housing provident fund handling conditions:

1. Individuals and their units must pay the housing accumulation fund continuously for one year;

2. The borrower has stable economic income, good credit and the ability to repay the principal and interest of the loan;

3. If the borrower purchases a commercial house, it must be no less than the total house price.

Housing accumulation fund handling process:

1. The lender prepares and delivers relevant materials;

2 loan banks should provide information after receiving the application.

3. After the audit, the lending bank will contact the lender and sign relevant contracts;

4. For bank loans, the lender shall fulfill the repayment obligations.

Third, what is the process of buying a house with a provident fund loan?

After purchasing the provident fund 1 year, you can enjoy the provident fund loan. What is the specific process of provident fund loans? Let's discuss the process of provident fund loans together. The process and conditions for purchasing a house with provident fund loans are as follows: 1. Housing provident fund loan process: 1. Preliminary examination: The Housing Provident Fund Management Center conducts a preliminary examination of the materials submitted by the applicant, including the applicant's qualification, loan amount and loan period. After passing the preliminary examination, the center will issue a notice of mortgage review and evaluation. 2. Appraisal: The applicant holds the Notice of Collateral Examination and Appraisal to the appraisal institution designated by the Center to appraise the value of the purchased house. Affordable housing does not need to be evaluated. 3. Audit: The applicant will go to the center for loan audit with the evaluation report issued by the evaluation agency and the preliminary examination materials required by the center. Meet the conditions, the center issued the "housing provident fund management center entrusted loan investigation notice". 4. Handling the guarantee procedures: The applicant shall handle the guarantee procedures according to the guarantee method chosen by himself with the Notice of Investigation on the Entrusted Guarantee Loan of the Housing Provident Fund Management Center. If mortgage guarantee is selected, the guarantor shall issue a written guarantee; If you choose mortgage insurance or third-party guarantee, you should apply for insurance in an insurance company or go through the formalities of entrusted guarantee in a guarantee institution.

5. Sign a loan contract. 6, housing fund management center and the entrusted bank signed a loan agreement. 7. The borrower directly submits a loan application to the housing provident fund management center, and the entrusted industry can summarize the borrower's application materials as needed and submit them to the housing provident fund management center for approval. 8. The housing fund management center examines and approves the amount, term and expected annualized interest rate of each loan, and signs a loan contract with the entrusted bank. 9. According to the entrusted loan contract, the entrusted bank shall go through the loan procedures after signing the Mortgage Contract for Housing Provident Fund Entrusted Loan, the Pledge Contract for Housing Provident Fund Entrusted Loan and the Guarantee Contract for Housing Provident Fund Entrusted Loan with the borrower respectively. 10. The entrusted bank directly transfers the loan to the designated account opened by the seller in the entrusted bank.

Four. Taizhou provident fund online withdrawal?

Step 1: Register and log in.

Users download and open the "Taizhou Tong" App, click My in the lower right corner to jump to my page, click the login button on the page to jump to the login page, and select "SMS login (user registration)".

Step 2: Real name authentication.

Click My in the lower right corner of the Taizhou Tong APP to jump to the user information page. The user clicks on the unnamed/real name at the top to jump to the user's real name page. On the user's real name page, select face authentication, enter the face authentication page, fill in "name" and "ID number", click the start face authentication button, call face recognition, and the user will complete the verification according to the prompts.

Step 3: Withdraw the provident fund.

Click the Provident Fund function button on the homepage of APP to enter the Provident Fund business page, select the extraction business you need to handle, and follow the prompts on the page.

The businesses handled by employees through the "Taizhou Tong" APP are mainly business types such as returning Thailand, renting houses, retiring, withdrawing provident fund to repay loans, and withdrawing monthly repayment applications.