September 25th, 2010 | 
Author: Whenever loans to buy a house, maybe go through this process: vision and with new home buyers on the budget four critically, finally a set of fancy, in the face of complex credit policy and application procedures, but a fog, the choice of loan programs and the development is too little importance. So the loan was commissioned to do another one of which was later found not reasonable lending program, particularly with loans to qualified buyers fund, not enough can be used, with a good fund, pay the interest.
Recently, we received an enthusiastic reader Lee calls, tell him through the official website of Shanghai Provident Fund Management Center – Shanghai Housing Provident Fund Network (www.shgjj.com) bid for housing loans, the process, so we know a kinds of new housing loans application method, it is recommended to the readers.
Lee mortgage story
Program mutation: credit can not fund it!
Lee plans to marry 07 years, prepared in June to buy a second hand wedding rooms, total 600 thousand yuan, a few years of savings, combined with parental assistance, down payment 300,000 yuan, 300,000 yuan loans. Lee Fund for the basic unit of deposit, he plans to fund loans with 200,000 plus 100,000 commercial loan to purchase a combination of loan programs. However, by SMS query found eligible for provident fund loans, as just another, he deposited the provident fund is not continuous for 6 months, do not meet eligibility for loan fund, the original loan program had stranded.
Web hosting and solve problems
This thing in trouble: 07 years house prices have been rising, if not timely processing of the loan, not a house to buy, but also affect the marriage. Fortunately, Lee was called and Shanghai Housing Fund Inquiries Network (62441200), the site staff recommended Lee can use online bidding system for home loans, and told him through the system can not only handle the traditional lending business ( including the pure provident fund, portfolio loans, a purely commercial loans), and even the review, the green channel, tracking progress under the net can not handle the business while also able to be completed, and also free services.
Loans a week down
Lee did, and have nothing better way. First was the application for reconsideration, a working day, the site staff on notice that he needed to review the information by fax to the site and conducted audits. 3 working days, review the results came out, according to his case can now apply for provident fund loans. Staff for the site his reconsideration application to switch into loans received Zhuangtai to help him Tongguowangshang housing loans system development we chose the right lending program, completing on-line home loan application, and informed him with good information, Qian Wang bank outlets or Shanghai Housing Fund network contract.
From application to final success of the contract, only took just one week, Mr. Lee was a period also just please leave, Jiu Wang Shang housing loans Jitongwancheng by a complicated loan procedures, and also Wanquan free Fuwu fee, the loan Banli of Jin Du You can also check online in real time.
Lee told us the loan of the bidding process, more than ever imagined to be convenient, but also the urgent needs of their own solution, a word is more satisfactory.
Online home loan system which features?
Lee mortgage story is people fond of quick and convenient, but also free of charge. This online mortgage system really works! So, this system safe? Reliable? This is necessary for us to go into details about the system’s core functions: It is understood that the housing loan system online and it has three functions – design, mortgage applications, the progress of inquiries.
Design
“Design” the main function used in the pre-purchase stage, simply, is that if you already have a purchase budget, but have not found favorite listings, you can pass the function to help you design the system sets loan programs; you can adjust the loan amount and your life, self-configuration lending program for home buyers to make full preparations.
Mortgage application
“Mortgage application” is the core function of the system, applied to buy a house has a clear intention of the community. You can apply for loans through the formal function, the system will be straight lines joining the Shanghai Provident Fund Management Center, for your inquiry line of credit, loan length, and precisely tailor the loan program. Filling out online credit application, you can accept a loan pre-approval to obtain an appointment number, can enjoy the green channel loans.
If you have applied for the loan is successful, can “progress check” function, the progress of the loan process real-time queries can also SMS subscription services, keep abreast of progress.
How to bid for housing loans through the system?
Having said that, let’s sum up what the Internet operation of the system flow of housing loans:
Step One: Online
Visit the Shanghai Housing Fund net www.shgjj.com, online home loans into the system, check your eligibility and the amount of provident fund loans.
Step Two: Networking approval
Automatically loan approval center networking market fund background, real-time receiving approval of the Loan Pre-orders, and online printing. If you do not have non-printing device, you can record pre-accepted credit approval number, to the designated bank (network) to produce ID verification print.
The third step: signing (loan)
Accepted with pre-approval of loans to print a single, designated bank (network) signed a loan contract (portfolio loans be approved by the Bank), acquired after signing loan.
Not eligible for loans through the system host fund housing loan?
Story by Mr. Lee, we can see that people do not have the credit qualifications of the system can also bid to host the fund housing loans. In fact, a similar experience, and Mr. Lee is not uncommon, situation is more diverse. For example, many people do not know review this practice, desperation, all the loans of the commercial loans. Some people know the loans would be eligible for reconsideration, but did not know the specific operating procedures.
Traditional review the application process
Applicant information in person to get ready a number of estate Guaranty Co., Ltd., Shanghai, scene complete the application for reconsideration, if the spot can not get the result, had to made a special trip to obtain reconsideration of ratification, the advantages of this approach is more intuitive, can be face to face disadvantage more time consuming. Now we are busy working, not easy to leave, many people do not have time to do.
The convenience of online review
In response, fund network to launch an online review of this convenience measure. Now, the general public need only enter the housing loan system online review module, simply fill out the grounds, fund network staff will contact you in a day, this can reconsideration. If you have review the conditions, staff will notify you by fax proof material, while the Shanghai Provident Fund Management Center network to reconsider, the fastest on the spot review can be completed. Then the borrower signed loan contracts in the same time the need for the original review can be brought together. This little running as possible so that borrowers do not run, to facilitate the borrower.
The review function can maximize the mortgage process to resolve the many complex diseases, provident fund loans will benefit the expansion side, the maximum extent possible for your eligibility for loans to help you successfully purchase.
If you apply for loans for provident fund or portfolio that: because of job transfers led to a continuous deposit of less than 6 months, current Yue unit revenue to pay the provident fund, etc. because not timely and not have the fund loan eligibility can be made to the Shanghai Housing Fund Network application for reconsideration.
What characteristics of the system service?
Purchase for many people due to lack of relevant expertise and the necessary, timely consulting services, which led to the development loan programs unreasonable, making the situation of purchasing costs, fund the loan program to open up network consulting and design services. It is understood that the special fund for the combination of net loans, combined a number of well-known commercial banks, by the highly experienced professionals, combined with loans to the repayment capacity of each specific situation Deng, and cost control under the premise of establishing a reasonable , a combination of science and loan programs.
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