What procedures do you need to go through for self-built housing provident fund loans in Shaanxi? How much can I borrow?

Public houses and self-built houses are built by rural residents to meet their living and living needs. However, due to the influence of China's national policies, a large part of self-built houses have not been recognized by the state, so many people have doubts about the issue of self-built housing provident fund loans. Then, what procedures do Shaanxi self-built housing provident fund loans need to go through? How much can Shaanxi self-built housing provident fund loan borrow? Public houses and self-built houses are built by rural residents to meet their living and living needs. However, due to the influence of China's national policies, a large part of self-built houses have not been recognized by the state, so many people have doubts about the issue of self-built housing provident fund loans. Then, what procedures do Shaanxi self-built housing provident fund loans need to go through? How much can Shaanxi self-built housing provident fund loan borrow?

What procedures do you need to go through for self-built housing provident fund loans in Shaanxi?

1, Shaanxi self-built housing provident fund loan collection table. Applicants need to go to the provident fund management center to receive the provident fund loan application form and fill it out carefully, or they can choose to download the form online and fill it out.

2. Submit the application for self-built housing provident fund loan in Shaanxi. After filling in the form, the applicant should apply to the provident fund management center with the above information and submit the information to the provident fund management center for verification.

3, Shaanxi self-built housing provident fund loan center audit. After accepting the applicant's application, the provident fund management center will review the information provided by the applicant and inform the applicant of the audit results. If it fails, the reasons shall be explained.

4. Sign a loan contract for self-built housing provident fund in Shaanxi Province. If the provident fund management center agrees to the applicant's loan application, the applicant can apply for a loan at the local provident fund loan undertaking bank and sign a loan contract.

5. Mortgage Shaanxi self-built housing provident fund loans. After signing the contract, the applicant needs to go to the real estate trading center to go through the formalities of real estate mortgage and pay taxes.

6. Shaanxi self-built housing provident fund loan bank loan. After all the formalities are completed, the bank will release the loan to the account designated by the applicant on the agreed date. At this time, the provident fund loan is completed.

How much can Shaanxi self-built housing provident fund loan borrow?

1, the total price of self-built houses purchased in Shaanxi. To apply for provident fund loans, applicants for self-built housing provident fund loans in Henan need to prepare at least 30% down payment, and some areas can only prepare 20% down payment. The lower the down payment, the higher the loan amount you need to apply for. Because the remaining 70% or 80% of the house price needs to apply for Henan self-built housing provident fund loans.

2. Balance of provident fund account. The higher the balance of the personal provident fund account, the higher the amount of provident fund loans that can be applied for. Generally speaking, the loan amount of Henan self-built housing provident fund is 20 times of the balance of 10- provident fund account.

3. Limitations of local provident fund policy. In different regions, the loan amount of self-built housing provident fund in Shaanxi is different. At present, some second-tier cities use their own housing provident fund to apply for housing provident fund loans, with a loan ceiling of 400,000 yuan. If the husband and wife combine housing provident fund loans, the loan ceiling is 600,000 yuan. The loan period of Henan self-built housing provident fund is 30 years.

What procedures do you need to go through for self-built housing provident fund loans in Shaanxi? How much can Shaanxi self-built housing provident fund loan borrow? Now everyone should know something about it! In short, when all the above procedures are completed, the bank will issue the loan to the account designated by the applicant on the agreed date, and the provident fund loan will be completed at this time.