Commercial loans can be converted into provident fund loans, and relevant information can be brought to the provident fund for processing.
Requirements for converting commercial loans into provident fund loans:
1. Borrowers transfer to provident fund loans and original commercial loans.
2. The original commercial loan has been repaid normally 1 year, with no record of overdue repayment;
3. If the housing provident fund is withdrawn due to the purchase of housing, the housing provident fund shall be continuously and normally paid 1 year or more from the date of withdrawal;
4. The transfer of provident fund loans must obtain the consent of the original commercial loan bank;
5. For residential development projects that have been registered for the transfer of housing provident fund loans, the developer shall provide the grade housing ownership certificate if the housing ownership certificate has not been applied;
6. Agree to the guarantee approved by the municipal capital center.
Information to be provided when commercial loans are converted into provident fund loans:
1. Purchase contract and purchase invoice for applying for commercial personal housing loan;
2. Commercial individual housing loan contract
3. Write the balance of the applicant's commercial personal housing loan at the end of last month.
4. Certificate of Other Rights of Real Estate or Certificate of Registration of Real Estate Mortgage for Commercial Personal Housing Loan Mortgage;
5. The applicant and his spouse's ID card, marriage certificate, household registration book and other valid documents;
6 other information required by the city housing provident fund management center and the loan bank.
Commercial loan transfer
1. Consultation and acceptance of loan banks The entrusted bank shall be responsible for the consultation service of provident fund loan transfer according to the policies and regulations of the management center. Before applying for a loan, the branch of the entrusted bank may consult the relevant policies and procedures for the transfer of provident fund loans. Bank staff should guide the borrower to fill in the personal housing provident fund loan folder correctly and completely, and prepare relevant documents together with the borrower.
When accepting the loan application, the staff of the bank of first instance shall implement and review the standardization of the loan application and document filling according to the policies and regulations of the management center to ensure the authenticity and effectiveness of the applicant's signature on various documents.
3. After the first trial, the bank staff will notify the sub-lender to apply for the transfer of provident fund loans to the guarantee company with the following information.
4. The sub-lender shall make up the balance of the transferred provident fund loan to the bank savings repayment account agreed in the original commercial loan with the staged guarantee issued by the guarantee company and the mortgage contract of the loan bank.
5. Mortgage guarantee information input The loan bank inputs the lender's collateral, guarantee, pre-stored difference funds and other information in the housing provident fund information management system.
6. Bank review The entrusted bank reviewer shall conduct the review in accordance with the management of a complete set of loan information.
7. The management center conducts the final audit.
8. After the loan bank finally approves the loan, the entrusted bank will release the loan funds according to the loan notice of the management center, transfer the loan funds to the common reserve fund and the pre-stored difference funds, and notify the lender in time.
9. The loan bank shall, within 7 working days after the loan is issued, cooperate with the guarantee company to handle the cancellation of the original commercial loan mortgage registration at the real estate management department, and handle the transfer to the provident fund loan.
2. What are the conditions for converting commercial loans into provident funds?
The requirements for handling the refinancing provident fund are as follows: preliminary requirements: 1, ID card, household registration book, original and copy of marriage certificate of the re-lender and spouse (if the re-lender is single, the civil affairs department shall issue a single certificate); 2. The original and photocopy of the house ownership certificate and state-owned land use certificate of the house purchased by the original commercial loan; 3. The original loan mortgage contract of the house purchased by the original commercial loan and a copy of the commodity (economic) house sales contract or the stock house sales contract; 4. The repayment record of the lender's original commercial loan issued by the original commercial loan bank and the proof of the balance and remaining term of the original commercial loan as of the date of applying for the transfer to the provident fund loan; 5. The housing appraisal report issued by the housing appraisal agency recognized by the management center on the transfer of second-hand housing business loans to provident fund loans; 6. A notarized statement of consent to mortgage issued by the owner of the house property; 7. A copy of the mortgage certificate of the house purchased by the original commercial loan provided by the original commercial loan bank (the mortgage certificate of the auction house or the house ownership certificate), and stamped with the official seal of the bank; 8. Other materials required by the management center or the entrusted bank. Guarantee requirements: 1, original and photocopy of ID card and marriage certificate of the sub-lender and spouse (if the sub-lender is single, the civil affairs department shall issue a single certificate); 2. The original "Property Ownership Certificate" and "State-owned Land Use Certificate" of the house purchased by the original commercial loan; 3, the entrusted bank official seal of the loan approval information confirmation.
3. What are the conditions for converting commercial loans into provident funds?
First of all, answer directly.
Borrowers who want to apply for commercial loans to provident fund loans need to meet these conditions first.
Second, the specific analysis
The borrower needs to continuously deposit the housing provident fund in the local area for more than 6 months, and the provident fund account is in a normal state of deposit, during which the payment cannot be stopped.
In addition, the borrower's commercial loan repayment time has reached one year. During the repayment period, the borrower has no loans overdue experience, a good credit record and no other credit stains.
If you want to apply for loan business, according to the regulations, only the borrower of the original housing loan or the spouse of the same borrower can apply.
In addition, the property purchased by the borrower has obtained the house ownership certificate issued by the local real estate registration department.
After meeting these loan conditions, the borrower needs to apply to the bank to apply for a commercial loan to transfer to a provident fund loan.
If the bank does not agree, there is no way for the borrower to transfer money.
If the bank agrees, the borrower needs to go through a series of procedures.
It is also necessary to remind the borrower that the amount of business-to-public loan applied for is within the maximum amount of housing provident fund loan announced by the local housing provident fund management Committee and the balance of the original commercial house purchase loan.
Only pure commercial loans can be converted into provident fund loans. If you apply for portfolio loans, some commercial loans cannot be converted into provident fund loans.
In order to maintain a good credit record, we should also pay attention to our online loan big data in time. This can be done by: building a quick check in the north, clicking on the query to see our own online loan big data report, so as to maintain good credit at all times.
Third, the mortgage loan conditions from the buyer's provident fund loans.
The conditions that buyers need to meet when transferring to provident fund loans mainly include.
1. The local provident fund has been paid in full and on time for six consecutive months. At present, the provident fund account is in a normal deposit state, and there has been no provident fund loan or settlement of provident fund loan under its name.
2. Only accept the application of the borrower or spouse of the original housing loan.
3. The original commercial loan has been repaid for one year, with a good credit record and no overdue behavior.
4. The purchased property has obtained the house ownership certificate issued by the local real estate registration department.
5. The amount of the business-to-public loan applied for is within the maximum loan amount of the provident fund loan stipulated by the local provident fund management center and the balance of the original commercial loan.
4. What are the conditions for transferring Ningbo commercial loans to provident fund?
1.
Have a valid residence status in this city;
2.
Commercial personal loans with purchased self-occupied housing as collateral and repayment of loan principal and interest on schedule have been handled in commercial banks;
3.
When applying for a loan, the housing accumulation fund has been continuously paid 1 year or more (inclusive), the commercial personal loan has not been settled, and the certificate of other rights of the purchased house has been handled;
4.
Have a stable wage income, good personal credit and the ability to repay the principal and interest of the loan on time;