Have you heard about the knowledge of the CPF renovation loan? It may be unfamiliar to most of the friends, but it is occasionally used in our daily life, so it is necessary for everyone to understand, let Xiaobian come to Everyone introduces the relevant knowledge of how to apply for the provident fund renovation loan . In this regard, the value is a relatively scarce friend to come and Xiaobian to understand!
First, how to apply for the provident fund renovation loan
First: submit an application
1. When purchasing a commercial housing or an affordable housing, at the same time as signing the housing contract with the selling unit, the housing unit will receive the “Application for Approval of Housing Provident Fund Loan†according to the form and prepare relevant materials to determine the loan amount;
2. If the construction or overhaul of the self-contained housing is based on the approval documents of the land and planning management department, go to the Changchun City Housing Provident Fund Management Center to apply for the loan; 3. Purchase the private housing with full property rights (ie the second-hand housing), and replace it with the long-term housing. Guarantee Co., Ltd. handles the application.
Second: The bank or financial institution will review the sales unit or the guarantee company to submit the borrower's information together with the purchase contract, the first payment receipt and other materials to the municipal housing accumulation fund management center for approval.
Third: After signing the approval agreement for the Housing Provident Fund Management Center of the renovation loan contract, notify the borrower to sign a loan contract with the bank. And handle the contract notarization, collateral insurance and other related procedures.
Second, the provisions of the provident fund renovation loan
1. If there is a real need for decoration in the home, you can go to the real estate guarantee in each district. If you are cashing, you can find an acquaintance in the real estate guarantee company, or find a mortgage agent and a lending institution.
2. If someone on the production certificate cannot be present at the time of signing, it is necessary to apply for notarization, and the notarization will delegate the mortgage of the house and the handling rights of the loan to others.
3. The balance of the CPF account of the main lender is required to be sufficient, generally 1/40 of the loan amount, and is continuously deposited for 6 months. Insufficient balance may result in an increase in processing costs.
4, the general requirements for the renovation of the housing area is greater than 70 square meters, TF units can be properly relaxed, the age of the room is better within 15 years, TF units can be properly relaxed to 20 years. Failure to meet the above requirements will result in an increase in processing costs.
5, when processing, TF should do the shop around, especially the relatively normal TF, generally do not have any difficulty in handling the provident fund renovation loan, any intermediary can make, it depends on which price is more affordable.
6. At present, the quota for the settlement of construction fund loans is generally 1,000 yuan per square meter, and may be further relaxed to 2,000 yuan per square meter in the future. Once the opening of 2,000 yuan per square meter, the processing costs will be relatively increased.
7. As with normal commercial loans, provident fund refining loans generally require the lender to have a good credit history. In the past, there should not be too many overdue records of credit repayments, which would lead to an increase in handling costs.
8. If the provident fund decoration loan is not paid off, it is not possible to apply for a new provident fund housing loan. Therefore, the TF that has a short-term purchase demand is not allowed to make a provident fund renovation loan.
9. The first two months of repayment of the provident fund renovation loan is to require the cash to be deposited in the repayment account before the loan can be used to offset the loan. After obtaining the loan, do not take all the accounts in the account, leaving at least 2 months of repayment. The amount, so as not to cause a repayment default.
The above is all about how to apply for the provident fund renovation loan and the precautions for the provident fund renovation loan. I believe that everyone has learned a little about how to apply for the provident fund renovation loan. I want to know more about the decoration consultation, please pay attention to the decoration. Home network!
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