1. When the original commercial loan is converted into a provident fund loan, the principal balance must be less than the loanable amount of the applicant's provident fund.
2. Can provide the guarantee recognized by the center.
3, continuous full deposit provident fund for more than 6 months.
4. The applicant's husband and wife shall not have outstanding provident fund loans.
Can Jiaxing change from business to public after buying a house for five years?
Jiaxing can change from business to public after buying a house for five years.
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 with the bank that his house 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 guarantee to repay the original commercial housing purchase loan for more than 1 year (inclusive), with a good credit record and 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.
Two, the borrower should meet seven conditions at the same time.
To apply for "commercial loan to provident fund loan", the borrower shall meet the following seven conditions at the same time:
1, which meets the application conditions for housing provident fund loans in our city; 2. The borrower must be the borrower or spouse of the original housing loan (required by the buyer); 3. The original commercial housing purchase loan has not been settled, and the bank agrees that the borrower will settle the loan in advance; 4. The original commercial housing loan has been repaid for more than one year (inclusive), with a good credit record and no overdue loan balance; 5. The purchased property has obtained the real estate license issued by the local real estate registration department, and it has a steel-concrete structure;
In addition, each bank has different requirements, some after one year, some after three years, but after five years, it can be changed from commercial to public.
6. Commercial loans that can be mortgaged for the purchased real estate can be converted into provident fund loans;
7, did not apply for housing provident fund loans.
Three, before applying to the housing provident fund management institutions, to do a good job in the preparation of relevant information, including the original commercial housing loan "loan contract" 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.
Jiaxing provident fund loan conditions 2023
Legal subjectivity:
Jiaxing's housing provident fund loan application materials include interview transcripts, marriage certificates, payment vouchers for construction, decoration and overhaul expenses, owner's certificates or commitments, down payment vouchers, etc. The application condition is that the housing provident fund has been paid in full according to the regulations, and it has been paid continuously for more than 6 months (inclusive) when applying for a loan. The following questions about Jiaxing's guidelines for applying for provident fund loans will be answered in detail by Bianxiao.com. First, Jiaxing applied for an ID card for provident fund loan materials; Marriage certificate; Apply for housing provident fund loans in conversation record; Real estate license; Commercial housing sales contract; Personal credit report or inquiry power of attorney; Account book; Down payment voucher; Payment voucher for construction, renovation and overhaul expenses; * * * Owner's relationship certificate or commitment; Application form; Identification certificate of the seller; Repayment account (bank card); Proof of the family housing situation where the deposit and household registration are located; Proof of income; Debit card for collection; Real estate appraisal report; Application form for real estate registration; Registered real estate sales contract (pre-sale); Real estate mortgage contract; Trustee's identity card. Two. Conditions for Jiaxing to apply for provident fund loans (1) The housing provident fund shall be paid in full and normally as required, and it has been paid continuously for more than 6 months (inclusive) when applying for loans; (2) The applicant's purchase of owner-occupied housing, including newly-built commercial housing, second-hand housing, affordable housing, resettlement housing and public housing, and newly-built, renovated or overhauled owner-occupied housing (including renovation of dilapidated houses), does not exceed 12 months in total. Among them, the purchase of pre-sale commercial housing under construction, the signing of commercial housing sales contracts in principle does not exceed 24 months; (3) The applicant and his spouse have stable economic income and the ability to repay the principal and interest of the loan on schedule, have good personal credit and have full capacity for civil conduct; (4) Buying a second-hand house, filing with the provincial provident fund center by a real estate agency, and applying for a loan before going through the formalities of real estate transaction transfer after signing a contract (payment method is provident fund loan or provident fund commercial portfolio loan) and paying the down payment; Resettlement housing loans, completed by the unit ownership certificate, after signing the contract and paying all the house price, in the real estate transaction transfer procedures before the loan application. (5) If the employee's family (including the principal borrower, spouse and minor children) has no housing and no housing loan record, the first set of ordinary self-occupied housing will be purchased with the housing provident fund and the first set of policies will be implemented. If the second-hand house is purchased and the age of the house is less than 20 years (inclusive), the down payment ratio of the loan shall not be less than 30%; If the house age is more than 20 years, the down payment ratio of the loan shall not be less than 40%; For resettlement, the unit shall handle the certificate of ownership of resettlement house and pay all the house price, and the loan amount shall not exceed 70% of the actual house price paid. (VI) If an employee's family already owns a house or has no house but has a housing loan record, two sets of housing provident fund loan policies shall be implemented for purchasing ordinary self-occupied houses, with the down payment ratio of the loan not less than 60%, and the interest rate of the provident fund loan is 1. 1 times the benchmark interest rate of the housing provident fund loan in the same period. (seven) the down payment ratio should be determined according to the housing situation, price, family repayment ability and credit status. Those who apply for portfolio loans or discount loans must also meet the relevant requirements of commercial banks. (eight) the purchase of housing for the city's self-occupied ordinary housing, with the purchase and construction contracts and related certification materials in line with the law, and agreed to use the purchased self-built housing as a loan guarantee; (nine) the applicant and his spouse apply for the first time to use the housing provident fund personal housing loan, or have used the housing provident fund personal housing loan but have settled, and meet the conditions for re-application. Three, Jiaxing to apply for provident fund loans, the law stipulates that Article 26 of the Regulations on the Management of Housing Provident Fund (the State Council Order No.350) employees who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center. The above is the related content compiled by Bian Xiao. There are many materials to apply for housing provident fund loan in Jiaxing, Zhejiang Province, including the loan certificate application form and my identity certificate, and then you can go through the relevant business after paying the provident fund for more than 6 months. If you have other needs, please do one-on-one legal consultation online.
Can Jiaxing Everbright Bank transfer to provident fund?
Jiaxing Everbright Bank can transfer to the provident fund. After one year of normal repayment of commercial loans, the remaining loan amount is added to the loanable amount of your provident fund, and the provident fund has not been withdrawn within one year of normal deposit. Meet the loan conditions, you can apply for the provident fund to loan business.
However, the loan amount of provident fund is very limited. If your commercial loan amount is high, it can't be completely converted into a provident fund loan. You can go directly to the housing provident fund management center, bring your ID card and unit certificate, and finally go to the bank to handle the conversion procedures.
How does Jiaxing's commercial housing loan turn into provident fund loan?
If you have purchased a house in Jiaxing and applied for a commercial personal housing loan (excluding a personal housing provident fund portfolio loan) from the entrusted bank that undertakes the housing provident fund financial business, you must meet the following application conditions when applying for a provident fund loan commercial loan, and submit relevant materials and supporting documents.
Now Jiaxing mortgage has a special person to handle it, and the success rate is very high. It can be received within 24 hours at the earliest.
I. Processing conditions:
1. The purchased house is occupied;
2. Have a permanent residence in this city or a valid residence certificate;
3. Before applying for a loan, the housing provident fund has been paid normally for 6 consecutive months;
4. The commercial personal housing loan has not been settled, and the house purchased is an existing house, and the "Property Ownership Certificate" has been completed; The purchased house is an auction house that has not been delivered for use (the house notice registration certificate must be filled in). If it is not completed, it must be reissued or issued with the house ownership certificate before the delivery date;
5. Have a stable economic income, no bad credit record, and the ability to repay the principal and interest of the loan as required;
6. Commercial loans have been repaid normally for more than one year, with no overdue records;
7. The borrowers who apply for the transfer of provident fund loans are the original commercial loan borrowers (the applicant 18 years old to the legal retirement age) and their spouses or property owners of lineal relatives within the second generation (the female is 18 years old to 60 years old and the male is 18 years old to 65 years old at the time of application);
8. No housing provident fund loans will be issued to the families of paid workers who purchase the third and above houses.
Second, submit information:
1. Housing accumulation fund of the borrower and spouse;
2. Repayment card of the original commercial individual housing loan borrower (original and photocopy 1 copy);
3. Original commercial individual housing loan contract and house purchase contract (including mortgage contract) (original and copy 1 copy);
4. Identity cards of the borrower and his spouse (original and photocopy 1 copy);
5. The household registration book of the borrower and his/her spouse, and the valid residence certificate (original and photocopy1) are also required for foreign household registration;
6. The borrower's marriage certificate (original and photocopy 1 copy);
7. The borrower's repayment record and loan balance list in the commercial loan bank (details of repayment record in the latest year, valid in the current month) (original);
8. Proof of housing registration information issued by the housing property registration department of the place where the provident fund is deposited and the place where the house is purchased (the original is valid for one month); The depositor of the loan in different places in the province shall provide the certificate issued by the local housing provident fund management center that the housing provident fund has been paid normally for 6 consecutive months (the original validity period is 1 month);
9. Provide real estate license for newly-built existing houses and second-hand houses of commercial houses (original and copy1);
10. If the buyer is the second generation, proof of immediate family members is required;
1 1. Other materials required by the provident fund center.