What is the process for the CPF housing loan? What are they?
To apply for housing provident fund loans, follow these procedures: (1) The borrower applying for a housing provident fund loan needs to submit a written application to the Shanghai Municipal Housing Provident Fund Management Center, complete the housing provident fund loan application form and truthfully provide relevant information. (II) After the municipal housing accumulation fund management center is responsible for the examination of the borrower's qualifications, guarantor qualifications, loan amount and loan term, and the completion of the contract, the borrower shall sign related contracts or agreements with the center and apply for insurance according to the regulations of the People's Bank of China. (III) After the loan formalities are completed, the Municipal Housing Fund Management Center issues a letter of approval for the loan to the bank, and the bank handles the loan transfer procedures after receiving the loan notice.
What is the process for the CPF home loan?
Hello, the approximate process is this: (a) the borrower to apply for housing provident fund loans need to submit a written application to the municipal housing provident fund management center, fill out the housing provident fund loan application form and truthfully provide the relevant information. (II) After the municipal housing accumulation fund management center is responsible for the examination of the borrower's qualifications, guarantor qualifications, loan amount and loan term, and the completion of the contract, the borrower shall sign related contracts or agreements with the center and apply for insurance according to the regulations of the People's Bank of China. (3) After the loan formalities have been completed, the Municipal Housing Fund Management Center will issue a letter of approval for the loans to the banks, and the banks will apply for loan transfer procedures after receiving the loan notice.
How does a loan buy a house and what process is needed?
Buying a house loan: 1. After signing the purchase contract, take this registration form to the designated bank loan 2. Information required for the loan: ID card, account book, marriage certificate (or divorce certificate), proof of income, bank flow, These are your own preparations. 3, Fang Kai has a receipt on this side and must also take the past to a designated bank to apply for a bank loan and open the account of the bank to save money. About 30-60 days or so
My application for a loan to buy a house has been recommended. The lending process is not clear. Is the loan to purchase a house bank loan?
Loans to buy a house bank loan payment process: 1. Valid ID card; 2. Permanent residence certificate or valid residence certificate, and proof of permanent residence; 3. Proof of marital status; 4. Bank water; 5. Proof of income or proof of personal assets; 6. Credit report; 7. The use of loans to use plans or statements; 8. Other information requested by the bank. Bank loan requirements: (1) A citizen with complete civil capacity of 18 years of age, permanent resident account of urban residents or legally valid resident identification. The bank loan requires the lender to be aged between 18 and 60; (2) It has stable and legitimate income, and has the ability to pay and pay interest; (3) Good credit information; (4) Other conditions required by the lending bank. Unsecured loan processing procedures are generally divided into three steps: (1) The customer submits basic information materials, including work units and contact numbers. (2) The lending bank or company checks the customer's credit information, including whether the customer's credit rating has an illegal record. For self-employed individuals and SMEs, it is also necessary to investigate the business status of the enterprise. (3) The lending unit staff signed the contract with the customer and realized the lending in the shortest time.
What processes are required to go to a bank to apply for a home loan?
The procedures for applying for a personal home loan are as follows: 1. Apply for a loan from the bank and submit the following materials: 1. Originals and photocopies of identity documents (individual identity card, account book, and other valid residence permit). Foreigners need to provide a valid certificate and photocopy of the spouse. The borrower and spouse are not in the same household registration book and are required to provide proof of marriage. 2. The proof of the economic income issued by 30% foreigners who have 40% or more self-financed deposits, and the work units that have the ability to repay loans; 3, to the sales unit to ask for: a, "Shanghai pre-sale of domestic commercial housing pre-sale license" (phase housing) or "Shanghai real estate warrants" (existing housing) copy. b. A copy of the business license of the sales unit; 4. A list of collaterals or objects, evidence of ownership, and evidence that the person in charge of disposal agrees to mortgage or pledge; 5. Proof of the valuation of the mortgaged property issued by the competent authority; 6. The guarantor agrees to provide the written document of the guarantee and the certificate of the guarantor's credit; 7. If you apply for a housing provident fund loan, you must hold a certificate issued by the housing accumulation fund management department; The “foreigners” mentioned above refer to staff working in other provinces and cities in Shanghai. To apply for a commercial loan for personal housing, the following conditions must be met: 1. A person who has reached the age of eighteen or above, has complete civil capacity, has a household registration certificate at the local household registration place, and is notarized by a notary office; 2. There is proof of fixed work in Shanghai for more than two years, and the work unit issued jobs, economic income, contact address; 3. The purchase of residential products for domestic sales in this Municipality shall be subject to real estate development companies and real estate development companies and ministries that have signed "Commercial Housing Sales Loan Cooperation Agreements"; 4. Open a deposit account at the lending bank. The balance of the deposit shall not be less than 40% of the purchase price and be used as the first payment for the purchase of the house. Second, the loan amount and deadline 1. Residents of this Municipality have the maximum loan amount of 70% of the housing price and the loan period is up to 20 years. 2. For foreigners, the maximum amount of loans is 60% of house prices, and no more than 300,000 yuan. The maximum loan period is 10 years. Third, the loan bank review The loan bank reviews the materials and certificates provided by the borrower, and mainly examines whether the borrower belongs to the loan object, whether it meets the loan conditions, whether it has sufficient ability to repay the principal and interest of the loan, and then determines the actual loan amount, and informs the borrower of the promised loan. Fourth, sign the contract 1. The borrower, loan bank and home sales unit (guarantor, guarantee period until the borrower's real estate right is granted to the loan bank for collection). The three parties sign a commercial loan contract for personal housing. 2. The borrower and loan bank sign a home mortgage contract. Fifth, apply for the notarization of housing mortgage contract Go to the local notary office to apply for the notarization of the home mortgage contract. The notary fee is borne by the lending bank. Six, handle real estate mortgage registration After holding a notarized house mortgage contract, the notarial office will handle real estate mortgage registration in the district or county real estate registration department where the house is purchased, and carry the following information: 1. "Power of Attorney" and "Application for registration of other real estate rights" stamped by the bank 2. The home mortgage contract or loan contract notarized by the notary office. The mortgage registration fee is borne by the borrower. VII. Insurance procedures for purchasing the purchased home After the loan bank receives the borrower's home mortgage registration certificate (Shanghai Municipal Real Estate Other Rights Certificate (Phoenance) or Real Estate Registration Department Receipt (Premises)), it will provide insurance services for the borrower. The insurance fee is paid according to the provisions of the insurance company. Borrowed by the borrower. Eight, apply for loans After the above procedures have been completed, the bank will transfer the loan to the sales unit of the house purchased by the borrower. The next thing is to repay the bank loan in installments. After the repayment period ends, the bank will issue the settlement voucher to obtain the home mortgage proof and go to the original real estate registration department to handle the cancellation of the housing mortgage.
What are the procedures for processing home loans at major banks?
Detailed steps for the home loan process: 1. The borrower fills in the application form for residential mortgage before loan, and submits the following certification materials to the bank: Borrower's fixed economic income certificate issued by the borrower's unit; Business licensor's business license and legal person certificate, etc. The borrower has legally valid proof of identity; A certificate of compliance with the provisions of the law concerning the ownership of the housing or the right of the person to control the housing; Valuation report, appraisal and insurance documents for mortgage properties; Contracts, agreements or other supporting documents for purchase or construction of housing; Other documents or materials requested by the lending bank. 2. The bank will review the borrower’s loan application, purchase contract, agreement and related materials. 3. The borrower will deposit the property title certificate and insurance policy or securities of the mortgaged property with the bank. 4. The guarantors of both the lender and the borrower sign the home mortgage loan contract and perform notarization. 5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the home sales unit or building unit specified in the purchase contract or agreement by way of transfer. 6. The loan is settled. Loan settlement includes both normal settlement and early settlement. 1 Normally settled: The loan is settled on the maturity date of the loan (one-off debt service) or the last period of the loan (instalment repayment); 2 Early settlement: Before the loan maturity date, if the borrower partially or fully settles the loan in advance, it must submit an application to the bank in advance as agreed in the loan contract. After the bank approves the loan, the borrower will repay the loan at the designated accounting counter. After the loan is settled, the borrower shall return the legal documents and relevant supporting documents to be collected by the bank with his valid identity documents and the loan settlement voucher issued by the bank and the loan clearing certificate to the original mortgage registration department to complete the cancellation of the mortgage registration. .
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