How to apply for real estate mortgage when buying a house in Linyi with Provident Fund Loan in Feixian County

The Ministry of Housing and Urban-Rural Development clearly stipulates that provident fund off-site loans should be handled according to the following process:

1. The loan city provident fund center accepts employees’ off-site loan business consultation and informs the loan of the required review materials at one time ;

2. The employee himself or his client submits an application to the city provident fund payment center. The city provident fund payment center will verify the employee's deposit loan status based on the employee's application, and provide personal housing loans for unused housing provident funds. Or for employees who have paid off their first housing provident fund personal housing loan, they must issue the "Certificate of Housing Provident Fund Payment and Use for Employees with Off-site Loans";

3. After the Loan City Provident Fund Center accepts the employee's off-site loan application, The City Provident Fund Deposit Center verifies the authenticity and completeness of the information in the "Proof of Payment, Deposit and Use of Housing Provident Fund for Employees with Off-site Loans". If the verification is correct, the loan review and approval procedures should be completed within the specified time limit, and the results should be fed back to the city provident fund center. The urban provident fund depositing center identifies the employees' off-site loans and establishes a detailed ledger of employees' off-site loans;

4. During the repayment period of the off-site loans for the depositing employees, if the housing provident fund personal account is transferred, the original housing provident fund personal account will be transferred. The depositing city provident fund center should promptly inform the loaning city provident fund center and the transferred city provident fund center. The transferring city provident fund center should promptly re-identify and record the off-site loan situation after receiving the employee housing provident fund account;

When the off-site loan becomes overdue, the depositing city provident fund center should cooperate with the lending city provident fund center to carry out the loan For collection and other work, according to the loan contract, the balance of the employee's provident fund account can be deducted to repay the loan.

Documents required to apply for a provident fund loan:

1. Commercial housing sales contract;

2. ID card, household register and marriage status certificate of the applicant and spouse ;

3. Work certificate and bank statement;

4. Down payment receipt (original and 1 copy required for verification);

5. Provident fund deposit Certificate (or housing provident fund card);

6. Evaluation report of the purchased house;

7. "House Purchase Contract" signed by the buyer and seller;

8. "House Ownership Certificate" and "State-owned Land Use Certificate" (original and copy) in the name of the original seller.