Tangshan second-hand housing provident fund loan

How to borrow Tangshan housing provident fund? I am a second-hand house

The provident fund loan I just applied for went to the lobby on the first floor of Beixindao Real Estate Trading Center. Seller holds: ID card and down payment bank certificate.

The buyer holds: ID card, household registration book, marriage certificate, new house book, new land certificate, provident fund card, payment bank card (that is, bank card for making money for the buyer) and credit certificate.

If you want a credit certificate, you must go to the bank to open it. Only three banks in Tangshan can handle provident fund loans: China Construction Bank, Bank of China and Bank of Communications.

You can open a letter of credit in any bank you want to borrow money from.

The letter of credit opened by CCB is on the second floor of Phoenix Building.

The letter of credit opened by Bank of China is on Youyi Road.

I don't know about Bank of Communications, because I work in China Construction Bank.

How long will it take to pay off the first time when Tangshan provident fund is used for the second time?

The second use of Tangshan provident fund was five years after the first repayment.

Five years after the first provident fund loan is paid off, you can use the provident fund loan to buy a house for the second time.

The specific provisions are as follows:

1. After the first housing provident fund loan is settled, if you apply for a housing provident fund loan again in the name of an individual or spouse, it will be regarded as a second loan. Workers and families who apply for housing provident fund loans for the second time can only apply for housing provident fund loans for the second time after the first housing provident fund loans have been settled for five years.

2. The loan interest rate for the second application for housing provident fund is 1. 1 times the loan interest rate for housing provident fund in the same period.

3. The minimum down payment ratio for the second loan to purchase commercial housing is 20%. If you buy a second-hand house, the down payment ratio of the second loan shall not be less than 60%.

On Tangshan Provident Fund to Buy Second-hand Houses

Do you have a copy of your ID card? The household registration book plus a copy of the ID card should replace the ID card. Bring all the identification documents, such as graduation certificate and company certificate.

If you still have your first-generation ID card, you don't have to bother.

The police station is too troublesome, because the household registration certificate needs to be stamped, and the stamp is in the place where the top leader is. You can go to the office and get a certificate saying that because you need a household registration certificate for your job, I think it will be easier to get it at the police station.

How to handle the second-hand housing provident fund loan?

Provident fund loan processing flow

1. Qualification examination of the purchaser: the qualification examination of the purchaser is based on the family, and the family members include the purchaser, his spouse and minor children; Seller's property verification: the results will be available within 10 days at the earliest.

2. Online sign: the purchaser needs to prepare the required materials first, and go to the corresponding district and county housing management bureau to get the number, arrange the number and fill in the form; If you are a buyer through an intermediary, you don't need to go to the scene in person.

3. Evaluation: Generally, it takes 5-7 working sunrise evaluation reports.

4. Preliminary examination: refers to the preliminary examination of the borrower's loan qualification by the provident fund loan department, and it is necessary to submit relevant materials to the loan bank to show that it meets the loan conditions.

5. Face-to-face signing: The buyer and the seller need to bring relevant materials to the bank for face-to-face signing, and sign various contracts and letters of guarantee with the bank.

6. Bank loan approval: Under normal circumstances, the municipal provident fund loan will be approved within 5-7 working days after the borrower personally signs it.

7. Sign a loan contract

8. Payment of taxes and fees: Taxes and fees that may be involved in housing transactions include deed tax, value-added tax and surcharges, personal income tax, comprehensive land price, land transfer fee, etc.

9. Transfer: the change of property rights shall be subject to the registration of real estate. If the house is illegal, sealed up or policy changes, it will affect the transfer of the house.

10. Bank lending: Lending banks generally need 15-20 working days after seeing the real estate registration certificate, but the time limit will be different due to different banking policies or urban areas.

Extended data:

Second-hand housing provident fund loan refers to the housing mortgage loan specially used for buying second-hand housing. Entrusted by local housing provident fund management centers, it distributes the housing provident fund paid by employees of the unit to employees who have paid housing provident fund and retired employees who have paid housing provident fund during their employment.

Matters needing attention

1. According to the loan contract, the amount due in the current month shall be fully deposited into the repayment account before the repayment date of each month.

2. If it is necessary to pay the bank card, annual discount or small account management fee to the bank according to the regulations of the bank, the borrower shall ensure that the balance in the repayment card (discount) is enough to repay the monthly loan of the current month, so as to avoid loans overdue caused by insufficient balance in the card (discount).

3. The borrower who adopts the equal monthly payment or average capital repayment method applies for early repayment. If the loan issuing bank is Bank of Communications, Agricultural Bank of China, Bank of China, Industrial and Commercial Bank of China and China Construction Bank, the borrower himself should avoid the repayment date and three working days before and after, and go to the loan business department for early repayment with his ID card and photocopy and loan contract. At the same time, he must pay attention to loans overdue, and cannot handle prepayment business.

4. If the borrower who adopts the free repayment method adjusts the monthly repayment amount or applies for paying off the loan in advance, it can go through the relevant procedures in accordance with the free repayment operation manual of Beijing Housing Provident Fund Management Center.

Reference link: second-hand housing provident fund loan-Baidu Encyclopedia

Can second-hand houses in Tangshan lubei district use provident fund loans?

Second-hand housing can use provident fund loans, which is a policy loan measure to protect people's housing. Both the first suite and the second suite can use provident fund loans, but the provident fund loans for the second suite must be paid off after the first suite has been loaned for five years, and the third suite cannot use provident fund loans.

Second-hand housing provident fund loan conditions:

1. He is a permanent resident of this town and can show his valid ID card.

2. The housing provident fund has been paid for one year (half a year is required in some cities) and is in a normal state of payment during the loan application period.

3. Personal income is stable and credit is good.

Information required for second-hand housing provident fund loan:

1, borrower's identity certificate and spouse's relevant identity certificate (ID card or other valid documents are acceptable).

2. The borrower's marriage certificate, single certificate or divorce certificate is acceptable.

3. Proof of effective payment of house purchase price, proof of income of borrower and spouse, and original legal house purchase contract.

After the above conditions are met, the buyer needs to take the commercial housing sales contract to the housing provident fund management center to get the loan application form, fill it out and hand it in, follow the process and wait for the bank loan review.

How to apply for provident fund loans for second-hand houses

Second-hand housing provident fund loan steps:

Step 1: Get the application form. Step 2: The borrower submits the loan information to the municipal capital center. Step 3: Acceptance and approval. The fourth step: transaction transfer: both buyers and sellers of houses go to the real estate bureau and the Land and Resources Bureau to handle the transfer procedures of the "two certificates" transaction. Step 5: Sign the contract. Step 6: Apply for a mortgage. Step 7: issue loans. According to the relevant laws and regulations of our country, if an employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.

legal ground

"Regulations on the Management of Housing Provident Fund" Article 25 The employee's withdrawal of the storage balance in the housing provident fund account shall be verified by the unit to which he belongs, and a certificate of withdrawal shall be issued. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.

Let's stop here for the introduction of the second-hand housing provident fund loan in Tangshan.