First of all, when a commercial loan is converted into a provident fund loan, you must have obtained the property right certificate and land certificate of the house, and the personal provident fund has been remitted normally for half a year.
Secondly, if you meet the above conditions, you can go to the provident fund management center to get the application form, check the loan balance at the original bank, then go to the house purchase guarantee company for approval, then go to the original loan bank to return the loan, and then go to the bank designated by the provident fund management center to handle the provident fund loan procedures.
Can handle commercial loans to provident fund loans.
1. mortgage to buy a house, the unit didn't pay the provident fund, and now it has changed jobs. The unit pays a certain amount of housing provident fund every month.
2. I didn't know that the provident fund could borrow money to buy a house before, and I applied for a commercial loan directly.
3. At that time, the unit also paid the provident fund, but the buyers did not meet the conditions of local housing provident fund loans and had to apply for commercial loans.
There is no need to transfer commercial loans to provident fund loans.
1. People who have enjoyed a 30% interest rate do not need to change to provident fund loans.
2. It is not necessary for buyers who are nearing the end of the original mortgage repayment.
What are the requirements for commercial loans to provident fund loans?
Commercial loans to provident fund loans shall meet the following conditions:
1. The housing provident fund has been paid locally, and it has been paid in full and on time for six months or more, and the provident fund account is in a normal state of payment.
Two, the original housing commercial loans have been repaid for one year, and maintain a good credit record, there has been no overdue behavior.
Three, the loan business only accepts the borrower of the original housing loan or the borrower as the borrower's spouse.
4. The purchased property has obtained the house ownership certificate issued by the local real estate registration department.
5. Never applied for provident fund loan before or the loan has been settled.
6. The amount of the business-to-public loan applied for is within the maximum amount of the housing provident fund loan announced by the local housing provident fund management committee and the balance of the original commercial housing loan.
The People's Bank of China has decided to lower the benchmark interest rate of RMB deposits and loans of financial institutions from June 8, 20 12. The benchmark interest rate for one-year deposits and loans of financial institutions was lowered by 0.25 percentage points.
On June 8, 20 12, the people's bank of China decided to lower the benchmark interest rate of RMB deposits and loans of financial institutions from June 8, 20 12. The benchmark interest rates of one-year deposits and loans of financial institutions were lowered by 0.25 percentage points respectively, and the deposit and loan interest rates of housing provident fund were also lowered simultaneously.
On July 6th, 20 1 1, the People's Bank of China decided to raise the benchmark interest rate of RMB deposits and loans of financial institutions from July 7th, 201/. The benchmark interest rates of one-year deposits and loans of financial institutions were raised by 0.25 percentage points respectively, and the deposit and loan interest rates of housing provident fund were also raised simultaneously.
On April 5th, 20 1 1, the People's Bank of China decided to raise the benchmark interest rate of RMB deposits and loans of financial institutions from April 6th, 201/. The benchmark interest rates for one-year deposits and loans of financial institutions were raised by 0.25 percentage points respectively.
On February 8, 20 1 1, the People's Bank of China decided to raise the benchmark interest rate of RMB deposits and loans of financial institutions from February 9, 201/. The benchmark interest rates for one-year deposits and loans of financial institutions were raised by 0.25 percentage points respectively, and the benchmark interest rates for other grades of deposits and loans were adjusted accordingly.
2010 65438+On February 25th, the People's Bank of China decided to raise the benchmark interest rate of RMB deposits and loans of financial institutions from February 26th. The benchmark interest rates for one-year deposits and loans of financial institutions were raised by 0.25 percentage points respectively, and the benchmark interest rates for other grades of deposits and loans were adjusted accordingly.
Conditions for converting commercial loans into provident fund loans
The loan conditions for commercial transfer to provident fund are as follows:
I. Eligible for provident fund loans:
1. The status of the provident fund account is normal and it has been continuously deposited for at least 6 months;
2. The balance of the provident fund account is sufficient to meet the minimum deposit requirements;
3. The borrower and spouse have no outstanding provident fund loans;
4. The borrower and spouse have good personal credit records, stable economic income and the ability to repay the principal and interest of the loan;
5. The housing that the borrower applies for loans is the first or second family housing, and the number of provident fund loans has not exceeded 2 times;
6, commercial loans to provident fund loans as collateral property should be clear, no debt, creditor's rights division. ;
7. Other conditions stipulated by the provident fund center.
II. Meet the requirements of the original commercial bank:
1. The repayment of the original mortgage loan is in good condition, and there is no overdue repayment;
2. The borrower has repaid the loan normally for a certain period of time to meet the requirements of the original commercial loan bank to settle the loan in advance;
3. The borrower can provide legal and sufficient self-owned funds to pay the difference between the loan amount of the provident fund and the remaining principal of the original commercial loan. Only after the loans of the original commercial banks are settled can the commercial loans be converted into provident fund loans.
What are the application conditions for commercial loans to provident fund loans?
Commercial loans to provident fund loans (referred to as commercial loans to public) need to meet the following conditions before they can be processed: First, they have obtained real estate licenses; Two, the provident fund deposit for one year; Three, commercial loans are still full for one year; Fourth, the house is in the city.
At present, there are two main ways for city commercial banks to turn public business: first, the borrower repays in advance with self-raised funds and entrusts the guarantee company to handle all relevant procedures; Second, the guarantee company repays in advance and handles all relevant procedures.
The borrower shall apply to the guarantee company of the municipal housing provident fund management center. After the preliminary examination is passed, the borrower shall go through the settlement formalities at the original loan bank, and then be audited by the guarantee company, sign the guarantee contract and go through the relevant formalities. General conditions for housing commercial loans to provident fund loans:
The borrower applying for a loan shall meet the following conditions at the same time
(a), according to the provisions of the municipal housing provident fund management to apply for loans, housing provident fund has been paid in full for more than 6 months (or 3 months), and the borrower and his spouse have no housing provident fund loan debt, and have not provided loan guarantees or auxiliary loans to other provident fund borrowers.
(2) the owner of the house who purchases, builds, rebuilds, overhauls or decorates the house occupied by the city or the right to use the house purchased by the public, and the immediate family members who live together with the owner or the right to use the house;
(three), a stable income, good credit, the ability to repay the loan principal and interest;
(four), with the purchase, construction, renovation, overhaul and decoration of owner-occupied housing related procedures and land, construction, planning and other departments of the approval documents and the provisions of the proportion of self financing;
(five), to provide a guarantee in accordance with the provisions of the "People's Republic of China (PRC) Guarantee Law" and approved by the management center;
(6) Other prescribed conditions. Requirements for converting commercial loans into provident fund loans:
1. The purchased property has obtained the property ownership certificate;
2. The borrower has sufficient funds to pay off the original commercial housing loan;
3. The original commercial housing loan bank agreed that the borrower would settle the loan in advance;
4. The borrower must be the borrower of the original commercial housing loan or his spouse;
5. The repayment of the original commercial housing loan is over 1 year (inclusive), and there is no overdue loan balance;
If there is not enough funds to settle the original commercial housing loan, it shall apply for a guarantee from the city's guarantee institutions with corresponding qualifications that meet the relevant provisions of the state and are recognized by the management center and the entrusted bank. The premise is to meet the requirements of the national and autonomous region housing provident fund individual housing loan policy.
The above contents are for reference only, I hope I can help you. Thank you for your support. I wish you a happy purchase!
What are the requirements for commercial loans to provident fund loans?
There are the following conditions that need to be met when commercial loans are converted into provident fund loans:
1. The customer has paid the housing provident fund locally, and the housing provident fund has been paid on time for more than 12 months (6 months is required in some areas, please consult the customer service of the handling bank for details), and the current status of the provident fund account is normal.
2. The original commercial loan has been repaid for one year, all on time, and there is no overdue situation, and personal credit is good.
3. I have never applied for a housing provident fund loan before, and there is no outstanding provident fund loan under my name.
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 amount of the housing provident fund loan stipulated by the local housing provident fund management center and the balance of the original commercial housing loan.
6. The application must be made by the original commercial loan borrower himself or as the borrower's spouse (if the borrower's marital status changes, relevant credit information shall be provided), and the consent of the original commercial loan handling bank shall be obtained.