The purchase of Qinhuangdao self-occupied commercial housing with provident fund loans should go through the following procedures:
1. Application: The borrower shall submit a written application for housing provident fund loan to the housing provident fund management center, and truthfully fill in the Application Form for Housing Provident Fund Loan and related materials, such as: personal identity card, borrower's marriage certificate, income certificate of the applicant and spouse, original legal house purchase contract, stamp of the applicant and spouse, etc.
2. Preliminary examination: The housing provident fund management center conducts a preliminary examination of the applicant's materials, including the applicant's qualification, loan amount and term. After passing the preliminary examination, the management center will issue a notice of mortgage review and evaluation.
3. Evaluation: After receiving the notice of mortgage review and evaluation, the applicant will go to the designated evaluation agency to evaluate the value of the purchased house with the notice. If it is affordable housing, there is no need to evaluate it.
4. Review: After obtaining the appraisal report issued by the appraisal institution, the applicant will go to the provident fund management center to review the payment with the appraisal report and preliminary examination materials. If it is approved, the management center will issue the Notice of Investigation on the Entrusted Loan Guaranteed by the Housing Provident Fund Management Center.
5. Handling the guarantee procedures: The applicant shall handle the guarantee procedures according to the guarantee method chosen by himself with the Notice of Investigation on the Entrusted Guarantee Loan of the Housing Provident Fund Management Center. If the selected guarantee method is mortgage guarantee, the guarantor shall issue a written guarantee certificate; If the guarantee method you choose is mortgage plus insurance or third-party guarantee, you should go to the guarantee company to handle the entrusted guarantee formalities or go to the insurance company to insure.
6. Signing a loan contract: After all the above items are passed, the applicant can sign a loan contract.