Look at it! Jinan second -hand housing provident fund lending process has changed, and the "zero information application" will be achieved

New Yellow River Reporter: Luo Xiaofei

On August 17, after the new model of the second -hand housing "transferred" registration was implemented, the Jinan Natural Resources and Planning Bureau and the Jinan Housing Provident Fund Center jointly issued a notice to adjust the process of provident fund loan lending process during the trading of the stock housing, and implement real estate transfer And the mortgage "dual trailer registration", improve the efficiency of provident fund loans, and ensure that second -hand housing transactions and mortgage loans are more secure, efficient and convenient.

Second -hand housing "Bringing Tale" registration process

According to the notice, when the buyer needs to use the provident fund loan (including the provident fund and the commercial portfolio loan) to buy a house during the trading of the stock house, the buyer's loan bank may apply for the registration of real estate transfer and mortgage notice registration with both buyers and sellers. After the processing is completed, the bank can issue a loan based on the mortgage forecast registration results to achieve simultaneous processing of the accounting of loan funds and transfer registration procedures to ensure the safety of stock housing transactions.

"Double Trailer Registration" is not complicated in terms of processing process. After the two parties to the transaction sign the trading contract for stock housing, the buyer can apply for a provident fund loan or a portfolio loan through the bank. After the buyer's loan approval is approved, the buyer's loan bank will apply for the buyer and seller to apply for the registration of the existing house transfer trailer and mortgage trailer registration through the real estate online mortgage system and mobile app software. According to the online application of the real estate registration department, based on the online application of the bank and the buying and seller, the "dual preview registration" business review is recorded, and the real estate registry is recorded, and the electronic certificate is registered for the mortgage forecast to the bank and the provident fund management department. After confirming the provident fund management department, the loan is loanned in accordance with the operating process. While buying and seller went to the real estate registration department to handle real estate transfer registration, the mortgage forecast of the buyer's loan bank was transferred to the registration.

With the expansion of online services, this new business is mainly filled in online in the "dual trailer registration". In the transfer registration and "pre -transfer" registration link, the buyers and sellers need to go to the real estate registration window to apply for transfer registration. Simultaneously apply for bank mortgage Trailer registration is registered. In the future, the real estate registration agency actively promotes online applications, implements a paperless processing model. The information obtained through shared and the electronic materials submitted by the parties can be used as a basis for the work to gradually realize the "zero information application".

Edit: Weekend

- END -