The correct method for the construction of public accumulation fund with conditional accumulation fund
There are a lot of friends who need to decorate the house now, but our house is undoubtedly a need for funds. Is the construction of the provident fund really ok? Xiao Bian thinks this is something that some friends want to know. What are the methods for the renovation of this provident fund? What conditions do we need to make when we make this CPF renovation, such as what is the application method for the CPF renovation and what are the precautions. First, the provisions of the provident fund decoration 1. The lender must have a permanent residence in the city or a valid residence status; 2. Push forward from the date of application, and continue to pay the housing accumulation fund for more than 12 months in a continuous period (only one person is allowed to pay the provident fund for the husband and wife); 3. There are contracts (contracts) and related materials for purchasing houses, building houses, and overhauling self-occupied houses in accordance with the law; 4. Have a certain proportion of self-raised funds. For the purchase of commercial housing and affordable housing, the self-raised funds shall not be less than 20% of the total housing price (the purchase of second-hand housing or housing construction, overhaul housing, self-raised funds shall not be less than 30% of the total housing price), the self-raised funds here may Is a receipt (down payment) of not less than 20% of the total house price; 5. Have a stable economic income, the ability to repay the principal and interest of the loan (provided by the unit to issue monthly income certificate); 6. Agree to use the purchased house or self-owned housing with full property rights or third-person housing as collateral, or use the loan Bank-approved securities, bank deposit certificates are pledged, or legal persons, organizations or third parties recognized by the loan bank provide guarantees. When the borrower applies for a loan, the following information should be prepared: 1. The identity certificate of the borrower and the spouse (ID card, household registration book, marriage certificate or divorce certificate, court judgment, ruling, unmarried or divorced unremarried certificate issued by the unit, etc.); 2. Stable economic income proof materials (certificate of unit wage income, etc.); 3. Certificate of deposit of housing provident fund; 4. The purchase contract and agreement signed with the selling unit (the need to provide land for the self-built housing and the approval of the planning department); 5. The loan application approval form is completed by the person and the spouse; 6, to have a minimum of 20% of the total housing price (down payment) receipt (purchase of private housing, construction, overhaul of self-occupied housing need to issue a self-funded certificate of not less than 30% of the total housing costs); 7. The list of pledge rights issued by the borrower, the ownership certificate (or the written commitment of the guarantor to agree to provide the guarantee). Second, the provident fund decoration method The first step: apply 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 building is built or overhauled, the loan application shall be processed at the Changchun City Housing Provident Fund Management Center with the approval documents of the land and planning management department; 3. If you purchase private housing with full property rights (ie second-hand housing), you will apply to Changfang Replacement Guarantee Co., Ltd. Step 2: Review The sales unit or the guarantee company will submit the borrower's information together with the purchase contract and the first payment receipt to the municipal housing accumulation fund management center for approval. The third step: signing a loan contract After the housing provident fund management center approves and approves, it informs the borrower to sign a loan contract with the bank. And handle the contract notarization, collateral insurance and other related procedures. Third, the provisions of the renovation of the provident fund 1. If you purchase a commercial house or an affordable house built by the developer of the Housing Provident Fund Loan Cooperation Agreement with the Center, the developer shall assume the phased joint liability guarantee for the borrower before the house is officially processed for mortgage; 2. If you purchase second-hand housing with property right certificate or land certificate, go directly to the Mortgage Department of the Municipal Real Estate Trading Center for mortgage registration, and bring the relevant formalities to the property rights registration and certification center to handle the house ownership certificate; 3. If a second-hand house with a property right certificate or a land certificate is purchased, the guarantee company shall bear the guarantee responsibility. The above is the application method of our CPF decoration, and what conditions must be met before we can make this CPF renovation, and what our friends should pay attention to is the introduction of the CPF decoration and so on. Then friends have already understood the decoration of this provident fund, as well as the decorative information that they want to know, we can continue to pay attention to our decoration home network. More related wonderful reading: What are the conditions for the withdrawal of public accumulation funds? Provident fund loan introduction How to apply for the provident fund renovation loan? Application steps Is it a good application for a public housing renovation loan? how to apply? Solvent Based Putty,Solvent Based Glue,Solvent Based Grease,Petroleum Based Adhesives CHANGXING GUANGDA NEW MATERIALS CO.,LTD. , https://www.gdbentonite.com
