deadline
The loan term shall meet the following conditions at the same time:
The loan term is not less than 1 year and not more than 30 years.
Loan term = retirement age stipulated by the state-actual age of the principal borrower-1.
Loan term ≤50- the age of the house.
Required materials
Where the borrower deposits the housing provident fund in the center:
1. Identity materials
Original identity cards of all borrowers.
Original ID cards of all sellers.
2. Original and photocopy of the household registration book 1 copy.
3. The original and copy of "Caiyi Card" or "Lottery Card" within the validity period is 1 copy.
4. Family relationship materials
The original and two copies of the borrower's marriage certificate.
If parents and children jointly borrow money, they shall provide the same household registration book, one-child certificate, medical birth certificate, original employee resume 1 and copies of any immediate family members' certificates.
5. proof of purchase
1 Original and photocopy of the house purchase contract.
Original and three copies of the certificate of immovable property right.
Original and photocopy of Hubei VAT invoice.
Original house appraisal report 1 copy.
The original proof of the inquiry results of all borrowers' existing houses issued by the housing management or real estate department of the relevant working and living places such as the place where the house is purchased, the place where the provident fund is paid, and the place where the household registration is located. The existing family housing query results prove that the validity period is not specified, and the validity period is 2 months.
If the borrower conceals the existing house under his name, it will be regarded as the borrower's loan fraud after being inquired by the national real estate unified network or verified by the provident fund center. The Provident Fund Center has the right to unilaterally terminate the Yichang Housing Provident Fund Personal Housing Loan Contract signed with the borrower, and incorporate it into the personal dishonesty information of Yichang Credit Information Public Service Platform, and investigate the relevant responsibilities of the borrower according to law.
The original personal credit report of the borrower is valid for 2 months.
To apply for a provident fund loan in Yichang, the borrower needs to print the original ID card on the self-service equipment on the fifth floor of the municipal administrative service center.
In the county business department for provident fund loans, according to the requirements of the county business department to print.
6. Other materials
Bank savings cards of major borrowers in Yichang area.
The seller of the house shall provide any outlet savings card that can handle the transfer and is consistent with the borrower's loan acceptance bank.
The borrower deposits the housing accumulation fund outside the center:
1, above the required materials.
2. Original 1 copy of the Certificate of Deposit and Use of Housing Provident Fund for Overseas Loan Employees issued by the deposit housing provident fund management institution.