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, fill in 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 signs relevant contracts or agreements with the center and applies for insurance according to the regulations of the People's Bank of China. (C) 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 in 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 signs relevant contracts or agreements with the center and applies 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 loan to the bank. After the bank receives the loan notice, it will go through the formalities for the loan transfer.
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 needed 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 buy 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 cards, account books and other valid residence documents). 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 permit" (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 the 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 personal housing commercial loans, 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 examines the materials and certificates provided by the borrower, and mainly examines whether the borrower is the object of borrowing, 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 transferred 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 Real Estate Other 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.
How can we get a loan to buy a house? What is the process?
The process of applying for a mortgage loan to buy a house: 1, choose the property; 2. Confirm whether the real estate developed by the developer is supported by the bank to ensure the smooth acquisition of the mortgage loan; 3. To apply for a mortgage loan; 4, sign the purchase contract. Upon examination and confirmation that the home buyer meets the conditions of the mortgage loan, the buyer is given a loan notice or a mortgage loan commitment letter; 5, buyers can sign developers and their agents, "commodity housing pre-sale, sales contract"; 6. Sign the building mortgage contract. Explicit mortgage loan amount, term, interest rate, repayment method and other rights and obligations; 7, apply for mortgage registration and insurance. Under normal circumstances, due to the relatively long period of the mortgage loan, the bank requires the purchaser to apply for life and property insurance in order to prevent the loan risk; 8. Open a special repayment account; 9. After completing related formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank at one time as the purchase price of the home buyer; 10. The borrower regularly repays according to the contract.
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