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Understanding the housing accumulation Fund loan process

individual housing loans of housing accumulation Fund loan policy, have certain policy subsidies in nature, its biggest advantage is the low interest rate, 1-5, annual interest rate of only 4.45% 6-30, the annual interest rate is barely 4.9%. Therefore, the Housing Fund loans currently working loans to buy a House has become the preferred. For buyers,
, understanding of housing accumulation Fund loan process is required before they purchase. So how does the housing accumulation Fund loan process?

housing accumulation Fund loan

1, lenders need to apply in writing to the Bank apply for housing accumulation Fund loan, fill out the housing accumulation Fund loan application form and provide the following information:

(a) applicant and spouse housing Provident Fund deposit certificates;

(b) the applicant and the spouse of identity (a permanent household registration book and identity card, a valid residence document), proof of marital status;

(c) the family stable financial income certificate and other proof of ability to repay debts that have an impact;

(d) valid identification documents such as contracts, agreements to buy housing;

(e) for collateral, guarantee, pledge list, ownership certificate and proof of disposal agrees mortgage, pledge, collateral valuation certificate issued by the relevant departments;

(f) Provident Fund Centre requested additional information.

2, the complete loan application information banks admissibility in a timely manner and submitted to the Provident Fund Centre in a timely manner.

3, Provident Fund Centre is responsible for approving loans, and to notify the Bank promptly of the outcome.

4, Bank Provident Fund Centre informed the applicant of the outcome for the loan procedure, couples by the borrower and the Bank signed the loan contract and the relevant contract or agreement, and send loan contract procedures, such as provident fund Centre for review, approved the allocation of Commission loan fund for Provident Fund Centre, by the trustee Bank loans in full and on time and as agreed in the loan contract.

5, mortgage guaranty, the borrowers into the housing is located area of housing property management departments registration procedures for mortgage, mortgage contract or agreement signed by the couple, pledge of securities, borrowers Securities Management Department or Union Center reception for safekeeping.

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