Yes

You can apply for a provident fund loan to buy a second-hand house. There are two ways to apply for a provident fund personal housing loan:

1. The borrower applies directly to the Municipal Fund Center for a loan. Process:

The first step is to consult the "center" and receive the application form: the house buyer, seller and spouse (certificates should be issued if unmarried or divorced), hold the "House Ownership Certificate" and "State-owned Property Certificate" in the name of the seller. The originals of the two certificates "Land Use Certificate", as well as the original household registration book, ID card and marriage certificate, go to the Municipal Fund Center for pre-registration and receive a provident fund loan application form.

The second step is for the borrower to submit the following loan information to the Municipal Fund Center:

(1) Provident Fund Loan Application Form;

(2) Provident Fund Payment Certificate (or housing provident fund account book) and proof of economic income;

(3) Evaluation report of the purchased house;

(4) "Existing House Purchase Contract" signed by the buyer and seller 》;

(5) "House Ownership Certificate" and "State-owned Land Use Certificate" (original and copy) in the name of the original seller;

(6) Identity cards of both spouses , household register, marriage certificate (original and copy, single employees should provide single certificate.)

The third step "Center" accepts and approves: The Municipal Fund Center accepts the loan applicant information, approves and determines the loan amount and years.

Step 4: Transaction transfer: The buyer and seller of the house go to the Real Estate Bureau and the Land Bureau to handle the "two certificates" transaction transfer procedures.

The fifth step is to sign the contract: the borrower brings the "two certificates" for the transaction transfer and the deed tax payment invoice (original and copy) to the Municipal Fund Center, and the Municipal Fund Center issues a loan commitment letter to the designated The bank signs loan documents such as "Loan Contract" and "Mortgage Contract", and the seller opens a special deposit account at the lending bank.

Step 6: Apply for mortgage: The borrower goes to the Real Estate Bureau to register the mortgaged house and receive the "Other Property Rights Certificate".

Step 7: Loan disbursement: After all loan procedures are completed, the Municipal Fund Center will transfer the loan funds directly to the special deposit account opened by the seller through the bank.

Step 8: Monthly repayment: The borrower repays the loan principal and interest monthly according to the loan contract until the loan is paid off in full.

Step 9: Settle the loan: When the borrower settles the last loan, he should go to the lending bank in person and go through the loan repayment settlement procedures at the counter.

Step 10: Cancellation of mortgage: After the borrower has repaid the entire principal and interest of the loan, the borrower shall, with the settlement certificate and cancellation certificate of the house mortgage issued by the lending bank, the original house purchase contract or the original real estate certificate and personal ID card, to the original The real estate mortgage registration department handles mortgage registration and cancellation procedures.

2. The borrower entrusts an intermediary company to handle the procedures.

The first step is for the customer to directly consult the guarantee company or intermediary company and obtain the loan application form.

The second step is for the borrower to submit a complete set of loan information to the guarantee company or intermediary company, which will then send it to the Municipal Capital Center for approval.

Step 3: After the Municipal Capital Center approves the loan qualification, amount and term, it will issue a loan commitment letter.

The fourth step is for the guarantee company or intermediary company to handle the real estate certificate and land certificate transfer procedures for the house buyer and seller. The lending bank signs a loan and mortgage contract with the borrower, and signs a guarantee agreement with the guarantee company or intermediary company. tripartite agreement.

In the fifth step, after the house ownership certificate is transferred, the Municipal Fund Center can issue loan funds and transfer the loan funds directly to the special deposit account opened by the seller through bank transfer. The loan contract stipulates that the principal and interest of the loan will be repaid monthly starting from the next month.

Step 6: The guarantee company or intermediary company handles the house mortgage registration procedures for the borrower, and transfers the other property certificates to the lending bank for collection and filing.

To sum up, you can get an office provident fund loan when purchasing a second-hand house in Xiaoting District, Yichang, Hubei.