Provident fund loan process for purchasing second-hand houses

Building a new house can withdraw the provident fund, but the main purpose of more people paying the provident fund is to buy a house. Whether it is a new house or a second-hand house, you can use provident fund loans. So what is the process of buying second-hand houses with provident fund loans?

1. Submit the original and photocopy of the application materials for provident fund loans. After the materials are complete, wait for the preliminary examination, usually about a week, and then proceed to the next step.

2. Go to the bank to supervise the funds, and the buyer transfers the down payment to the bank account.

3. Pay taxes and fees, formally transfer ownership, formally accept the provident fund, print the formal contract after everything is completed, and then go to the provident fund center for formal acceptance.

About seven working days, the big red book came down. At this time, the bank will take the big red book to the provident fund center as collateral, and then about ten working days, the provident fund center will lend money, and the seller will receive a payment message. The new owner can get the book and the seller can get the money.

Matters needing attention in buying a second-hand house 1, there are many details of property handover.

The details involved in the handover of real estate are quite complicated. You must pay attention when buying a house. Besides handing over the keys, utilities, gas and other details, we should pay more attention to the contract. The specific delivery amount shall be specified in detail in the contract; After signing the contract, you have to go to the property management office to settle the property management fee, and the time is subject to the delivery day, and you have to go through the formalities of entering the property.

2. The parking space problem must be clear.

There are more and more private cars now, and parking spaces are particularly important. Residential areas without parking lots and garages often look messy, and the placement of vehicles has become a big problem, which is not only unsightly, but also brings great inconvenience to life. So when buying a second-hand house, try to choose a parking lot or garage. Attention should be paid to the property rights of parking spaces here. Generally, parking spaces with property rights can be sold, but whether some parking spaces with only the right to use can be transferred depends on the contract signed by the owner and the property management office. Whether for the convenience of daily life or the appreciation value of the house, buyers should strive for parking spaces as much as possible.

Pay attention to 1 when buying a house with provident fund. The provident fund cannot be directly used as the down payment for buying a house. If citizens want to buy a house through housing provident fund loans, they need to spend first and then withdraw, that is, pay the down payment first, and then bring their ID cards and household registration books. If you are married, you need to provide proof materials such as marriage certificate, and go to the local housing provident fund management center to extract the storage balance in the provident fund.

2. The total withdrawal from the provident fund cannot exceed the total house payment. For example, a citizen bought a house with a loan with a total price of 200,000 yuan, but his provident fund balance was 300,000 yuan, so he could only withdraw 200,000 yuan, and the remaining 6,543,800 yuan could not be withdrawn. Provident fund loans in some cities reached 600,000. For example, Xi 'an can reach 700,000 in special circumstances, such as Chengdu and Guangzhou.

3. After the provident fund loan is settled, you can use the provident fund to buy a house. Whether the provident fund loan is made before marriage or after marriage, one of the husband and wife has made a provident fund loan, which will be recorded in the provident fund center system. Before the last loan is paid off, the husband and wife can no longer use the provident fund loan to buy a second suite. However, the first home provident fund loan has been settled, and if both husband and wife use the provident fund loan to buy a house again, it is still regarded as the first time to buy a house, which is not restricted by the second home policy.