What materials do Weifang first suite provident fund loans need? What is the process?

Housing accumulation fund is a long-term housing deposit paid by units and their employees, and it is the main form of monetization, socialization and legalization of housing distribution. It is also a form of loan that people mainly use to buy houses at present, which provides a guarantee for workers to solve the housing problem faster and better. Let's talk about what materials are needed for Weifang's first suite to apply for provident fund loans. What is the process?

Housing accumulation fund is a long-term housing deposit paid by units and their employees, and it is the main form of monetization, socialization and legalization of housing distribution. It is also a form of loan that people mainly use to buy houses at present, which provides a guarantee for workers to solve the housing problem faster and better. Let's talk about what materials are needed for Weifang's first suite to apply for provident fund loans. What is the process?

What materials do Weifang first suite need to apply for provident fund loan?

1, Weifang individual housing provident fund loan application approval form;

2. Identity cards of the applicant and his spouse; Household registration books of the applicant and his spouse; If the applicant and the spouse's account are not together, provide a marriage certificate;

3. Purchase the pre-sale contract and pre-sale permit of commercial housing for auction houses; Commercial housing existing home sales contract;

4. A valid down payment voucher for the purchased house;

5. ID cards of the pledgor and the owners involved in the pledge; The bank issues a running salary certificate;

6. Proof of inquiry results of house ownership registration information and original invoice; "Personal credit query results"; Approval Form for Transfer of Provident Fund Loan to Borrower's Repayment Account;

What is the process of handling provident fund loans for the first suite in Weifang?

1, application

The borrower brings the original ID card and materials that should be brought when buying a house in different situations, applies for provident fund loan to the provident fund management center where the provident fund belongs, and fills in the Weifang Individual Housing Provident Fund Loan Application Form (single) or Weifang Individual Housing Provident Fund Loan Application Form (with spouse) and submits relevant materials.

3. Acceptance (first instance)

After accepting the application, the staff of the provident fund center will conduct a preliminary examination, enter information and check the materials submitted by the borrower. If it passes the preliminary examination, the staff shall sign the preliminary examination opinions and submit them to the inspectors for investigation and verification.

Step 4 investigate

Provident fund center inspectors or guarantee companies to check the borrower's purchase, income, credit and other conditions. , and issue inspection opinions.

Step 5 agree

The provident fund center shall examine and approve the borrower's application according to the inspection opinions of the inspectors, and give a reply within 5 working days. Grant provident fund loans, provident fund center issued the "Weifang individual housing provident fund loan approval form", and handed over the materials to the entrusted bank; If the provident fund loan is not granted, the borrower shall be informed of the reasons in time and the materials shall be returned.

Step 6 sign a contract

After receiving the loan materials approved by the Provident Fund Center, the entrusted bank will verify the information of the Provident Fund system, review all the information, sign all contracts with the borrower, such as Weifang Individual Housing Provident Fund Loan Contract, and determine or open a repayment account.

In fact, as long as you have a permanent residence in Weifang or other valid residence identity documents, you will be able to stabilize your income and repay the principal and interest. Applicants who meet the above conditions can bring personal identity documents, marriage certificates and related materials to the housing provident fund management center for related loan business. Ok, what materials do you need for the first housing provident fund loan in Weifang today? What is the process? That's it.