At present, Shenyang commercial loans cannot be converted into provident fund loans. If it is a commercial loan, after the real estate license is issued, you can apply for the withdrawal of Shenyang housing provident fund.
Extraction requirements:
(1) Original ID card (both ID cards must be provided at the same time when both husband and wife extract or property rights are extracted by the spouse of a single house owner);
(2) If both husband and wife withdraw or the spouse of the house owner applies for withdrawal, the proof of the relationship between husband and wife (original residence booklet or marriage certificate) shall be provided;
(3) The Approval Form for Housing Provident Fund Extraction with the seal reserved by the unit;
(four) the original housing ownership certificate;
(5) the original deed (if there is no deed, tax returns are required);
6. If it is difficult to determine the purchase amount of collective land property houses, it is necessary to provide proof of house value issued by relevant government departments at or above the township level. If it is difficult to determine the purchase amount of the relocated house, provide the original tax invoice for the increased area;
⑦ To extract from the Property Ownership Certificate of a foreign city, it is necessary to provide a foreign household registration or identity certificate (proving that the employee, spouse, parents or children have a household registration there), or apply for the extraction of the employee's work certificate in a foreign city issued by the housing provident fund deposit unit where the employee is located (official seal is required);
Original loan contract and mortgage contract;
Pet-name ruby repayment voucher;
Attending the joint card of housing provident fund (except those that have not been issued).
Second, how to handle the transfer of Shenyang commercial loans to provident fund? What are the rules and requirements?
According to the relevant policies and regulations of China's provident fund, citizens should meet the following six conditions if they want to apply for commercial loans.
1. Pay the housing accumulation fund normally in the local area.
2. The loan business only accepts the application of the borrower or spouse of the original housing loan.
3. The applicant needs to confirm to the bank that his house purchase loan has not been settled, and at the same time apply to the bank for early settlement of the loan. Once the bank agrees, it can handle the next business.
4. The applicant shall ensure that the repayment of the original commercial house purchase loan is above 1 year (inclusive), the credit record is good, and there is no overdue behavior.
5. When the applicant transfers to the public, ensure that the purchased property has obtained the house ownership certificate issued by the local real estate registration department, and the applicant has not applied for a housing provident fund loan before.
6. The amount of the business-to-public loan applied for should be within the maximum loan amount of the housing provident fund loan and the balance of the original commercial housing loan announced by the local housing provident fund management committee before it can be accepted. The loan interest rate of business transfer to public is implemented according to the current housing provident fund loan interest rate in our city.
Before applying to the housing provident fund management institution, it is necessary to do a good job in preparing relevant materials, including the original loan contract for commercial house purchase loans signed with the original loan bank; Housing ownership certificate issued by the local real estate registration department; The loan balance certificate or the original loan repayment list can only take effect after being sealed by the original loan bank. After the materials are complete, you can apply for an operating loan from the local housing provident fund management institution.
What are the conditions for Shenyang provident fund loan?
Subjective law: Some employees in Shenyang said that they bought a suite by applying for a commercial loan, and now they want to apply for a commercial loan to transfer to a provident fund loan. I wonder if it is feasible. According to relevant policies, at present, Shenyang commercial loans cannot be converted into provident fund loans. If it is a commercial loan, after the real estate license is issued, you can apply for the withdrawal of Shenyang housing provident fund. Extraction requirements: ① Original ID card (both husband and wife must provide their ID cards at the same time when extracting or extracting the house owner and spouse whose property right is "exclusive right"); (2) If both husband and wife withdraw or the spouse of the house owner applies for withdrawal, the proof of the relationship between husband and wife (original residence booklet or marriage certificate) shall be provided; (3) The Approval Form for Housing Provident Fund Extraction with the seal reserved by the unit; (four) the original housing ownership certificate; (5) the original deed (if there is no deed, tax returns are required); 6. If it is difficult to determine the purchase amount of collective land property houses, it is necessary to provide proof of house value issued by relevant government departments at or above the township level. If it is difficult to determine the purchase amount of the relocated house, provide the original tax invoice for the increased area; ⑦ To extract from the Property Ownership Certificate of a foreign city, it is necessary to provide a foreign household registration or identity certificate (proving that the employee, spouse, parents or children have a household registration there), or apply for the extraction of the employee's work certificate in a foreign city issued by the housing provident fund deposit unit where the employee is located (official seal is required); Original loan contract and mortgage contract; Pet-name ruby repayment voucher; Attending the joint card of housing provident fund (except those that have not been issued).
Objectivity of law: Article 5 of the Regulations on the Management of Housing Provident Fund shall be used for the purchase, construction, renovation and overhaul of owner-occupied housing by employees, and no unit or individual may use it for other purposes.
How to handle Shenyang commercial provident fund loan? What are the rules and requirements?
Check on the provident fund website. Search Shenyang provident fund on Baidu. If not, call the telephone consultation provided online.
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Business guide for transferring commercial loans to provident fund loans
Time: April 3, 2009 Source: Print: Print
This guide is applicable to the application of commercial housing loans to provident fund loans.
★ Application conditions for provident fund loan transfer
1. Employees who work in Shenyang and pay housing provident fund in the center.
2. Before applying for a loan, the applicant or the unit where the applicant works should pay the housing provident fund for the employees according to the regulations.
3. The applicant has a stable economic income and the ability to repay the loan.
4. The applicant agrees to provide the loan guarantee method approved by the Center.
5. There are no outstanding loans or other debts except for the loans transferred to provident fund.
6. The "Property Ownership Certificate" or "Certificate of Housing Advance Notice Registration" involved in the transfer of provident fund loans has been handled.
7. The original commercial loan has been repaid normally for more than 1 year (inclusive), and there is no record of overdue repayment.
8. The original portfolio loan cannot be applied for transferring to provident fund loan.
9. Only pure provident fund loans can be applied for transfer to provident fund loans.
★ Amount, proportion and term of loan transferred to provident fund.
When the applicant pays the housing provident fund, the maximum loan amount is 250,000 yuan and the maximum loan amount is 400,000 yuan.
If the completed service life of the house is less than five years, the loan ratio shall not be higher than 50% of the approved price of the house with the completed service life of more than five years. The completed service life of the house is more than five years but less than twenty-five years, and the longest loan life is the completed service life of the house minus twenty-five years. Housing with a completed service life of more than twenty-five years (excluding twenty-five years) will no longer accept the transfer of provident fund loans.
The shortest term of the loan is 1 year and the longest term is 20 years. Men should not be over 60 years old and women should not be over 55 years old.
The formula for calculating the specific limit is: the salary base of the applicant and the monthly contribution of the provident fund of the same applicant ×0.6× 12 months× loan period.
★ Transfer procedures for provident fund loans
First use self-raised funds to repay bank loans, and then go through the formalities of provident fund loans.
1. The applicant and * * * together with the applicant (including spouse) apply for a provident fund rollover loan at each management department of the center with the original ID card, the original commercial loan contract and the repayment plan.
2. Each management department of the center shall review the applicant and the applicant's credit status and loan qualification, confirm whether to agree to transfer to provident fund loans, and issue a confirmation form for transferring to provident fund loans.
3. Applicants who can apply for the transfer of provident fund loans will repay the remaining principal of the original commercial loans in advance and go through the mortgage cancellation procedures.
4. The applicant shall transfer the provident fund loan to the administrative department of the place where the provident fund is deposited with the following requirements.
(1) 5 originals of the ID card of the applicant and * * * the same applicant (copy on both sides of A4 paper, the same below).
(2) The original and photocopy of the household registration book 1 copy.
(3) The original and photocopy of the marriage certificate 1 copy (single person shall provide the marriage information certificate issued by the civil affairs department at the place where the household registration is located 1 copy, and the validity period is 1 month).
(4) Two originals and photocopies of real estate license and two originals and photocopies of deed tax certificate.
(5) Original commercial loan contract 1 copy.
(6) Pay off the original and two copies of the commercial loan certificate (the original is stamped with the special seal for banking business).
(7) If the house purchased by commercial loan is a second-hand house, two originals of the house evaluation report shall be provided.
(8) If the house purchased by commercial loan is a commercial house, the original or two copies of the commercial house sales contract shall be provided.
(9) The original and photocopy of 1 state-owned land certificate shall be provided for the real estate outside the fifth district of the city. If the land certificate is not issued, the original and photocopy of the receipt issued by the Land Bureau for handling the land certificate 1.
5. The accepting personnel will make a preliminary examination of the materials according to the loan policy, and input the information into the form. After the approval, the system will output the contract text, loan receipt and entrusted deduction agreement.
6. Signature: The applicant and the applicant sign the above words for confirmation after handling the bank repayment card (discount).
7. Handling guarantee mortgage: the applicant and * * * together with the applicant go to the guarantee company window to handle the guarantee mortgage formalities.
8. Lending: After the guarantee and mortgage procedures are completed within the agreed time limit, the management department will review the receipt and loan materials, and the entrusting bank will transfer the loan to the bank card (discount), and the borrower will collect it from the entrusting bank with the original ID card.
9. Repayment: The borrower shall deposit the principal and interest of the loan due in the current month into the bank card (discount) or repay the loan at the opening bank window within the period agreed in the entrusted deduction agreement every month until the loan is fully paid off.
Two, need to advance funds to repay bank loans, to go through the formalities of provident fund loans.
1. The applicant and * * * together with the applicant (including spouse) apply to the Central Management Department for the transfer of provident fund loans with the following materials:
(1) 5 originals and photocopies of the applicant's and the applicant's (including spouse's) ID cards (copied on A4 paper).
(2) The original and photocopy of the household registration book 1 copy.
(3) The original and photocopy of the marriage certificate 1 copy (single person shall provide the marriage information certificate issued by the civil affairs department at the place where the household registration is located 1 copy, and the validity period is 1 month).
(4) Two copies of the Property Ownership Certificate or the Housing Advance Notice Registration Certificate.
(5) The original deed tax certificate and two copies.
(6) Original loan contract of the original commercial bank 1 copy.
(7) 1 original and copy of repayment plan (the original should be stamped with the bank seal and indicate the remaining principal amount of the loan).
(8) If the house purchased by commercial loan is a commercial house, the original or two copies of the commercial house sales contract shall be provided.
(9) If the house purchased by commercial loan is a second-hand house, two originals of the house evaluation report shall be provided.
(10) The original and photocopy of the state-owned land certificate shall be provided for the real estate outside the five districts of the city. If the land certificate is not issued, the original and photocopy of the receipt issued by the Land Bureau shall be 1.
2. Each management department of the Center shall review the applicant and the applicant's credit status, loan qualification and materials, confirm the loan amount and loan term, and guide the applicant to fill in the Approval Form for Transferring Provident Fund to Loan, and report it to the Loan Office for authorization after verification.
3. The accepting personnel will input the relevant information into the information in the table, and after approval, the system will output the contract text, loan receipt and entrusted deduction agreement.
4. Signature: The applicant and * * * jointly sign the above text and provident fund loan transfer statement after handling the bank repayment card (discount).
5. Handling the guarantee procedures: the applicant and * * * together with the applicant go to the guarantee company window to handle the guarantee procedures.
6. The guarantee company shall affix its seal on the loan contract and assume the guarantee responsibility. After reviewing the guarantee materials, the management department entrusts the bank to transfer the loan to the account designated by the guarantee company.
7. The guarantee company is responsible for supervising the loan repayment of the remaining principal of the applicant's commercial housing loan (the insufficient part is raised by the applicant), and handling the mortgage cancellation and re-mortgage procedures. After the mortgage is completed, submit a copy of the mortgage procedures and loan repayment certificate to the management department.
8. Repayment: The borrower shall deposit the principal and interest of the loan due in the current month into the bank card (discount) or repay the loan at the opening bank window within the period agreed in the entrusted deduction agreement every month until the loan is fully paid off.
★ Repayment of loans
1. repayment method: the borrower can choose the equal principal and interest method and the average capital method for repayment. The formula is as follows:
2. Repayment of provident fund: The borrower and his spouse can sign an Individual Housing Provident Fund Loan Repayment Agreement with the Center by entrusting the housing provident fund, and the Center will deduct the principal and interest of the provident fund loan from the regular balance of the borrower's and his spouse's provident fund account every month. When the term balance is less than the whole period, it will be deducted from the bank card.
3. Bank card withholding: After the borrower and the entrusted loan bank sign the Agreement on Entrusted Deduction of Housing Provident Fund Loans, the entrusted bank will deduct the loan principal and interest from the bank card every month, and the borrower shall deposit the current principal and interest into the card before the monthly lending date.
4. Overdue penalty interest: The Center and the entrusting bank will collect penalty interest for borrowers who fail to repay on time according to the regulations of the People's Bank of China. The center has the right to take legal action against borrowers who are overdue for three consecutive months and accumulated for six months, and the bad records are recorded in the personal credit information system.
5. Information service: The borrower can sign an application for personal short message service with the center, and the center will regularly send the borrower's mobile phone information such as the deposit and withdrawal of provident fund, the repayment of provident fund loans, overdue status and so on.
6. Repaying the loan in advance: If the borrower repays the provident fund loan in advance for more than one year, the loan principal will be reduced by no less than 5,000 yuan each time, and the center will recalculate the monthly repayment amount of the borrower. (For commercial banks, it shall be stipulated by the entrusted loan bank)
7. Repayment in full in advance: If the borrower repays the provident fund loan in full in advance for more than one year, the loan contract between the borrower and the center will be terminated after the loan principal and interest are paid off in full.
If there is any change in the above contents, the latest policy shall prevail.