Commercial loans to provident fund, we must first meet three conditions. First, the buyer has two certificates; Second, there must be no overdue repayment records during the repayment period of commercial loans; Third, it takes more than half a year for buyers to pay the provident fund.
If the above three conditions are met, the buyer can apply to the commercial bank with ID card, household registration book, marriage certificate, real estate license and land certificate, and then find the designated guarantee company to pay the relevant fees after approval. With the payment slip, letter of guarantee and deposit certificate of provident fund, the purchaser signs the contract of transferring commercial loan to provident fund at the counter of commercial bank. If the loanable amount of the provident fund is lower than the outstanding commercial loans, it is necessary to apply for a combined loan of commercial loans and provident fund.
Employees who have paid the provident fund shall meet the following conditions when applying for provident fund loans from enterprises:
1. The mortgage loan for self-occupied commercial housing has been handled and the loan has not been settled (excluding provident fund loan);
2. The applicant and * * * have continuously paid the Shenzhen Provident Fund for 6 months before the month of loan with the applicant and continue to pay it normally;
3. The applicant and * * * have no housing provident fund loan or have paid off the housing provident fund loan in Shenzhen;
4. The application for partial/full prepayment of the original commercial housing mortgage loan has been approved by the original commercial housing mortgage loan bank;
5. The applicant or spouse is the right holder of the applicant's housing loan;
6. Have the ability to repay the loan principal and interest, have no loans overdue records in the first 6 months of the month of application, and meet the credit status standards stipulated by the provident fund center;
7. Agree to provide guarantee in accordance with the commercial provisions on public loans;
8. The loan application meets the requirements of national, provincial and municipal real estate market management policies.
2. Do Shenzhen businessmen need to settle their commercial loans in advance when they change jobs?
There is no need to settle in advance. Before commercial loans are converted into provident fund loans, it is necessary to confirm the amount of provident fund loans. Then take the relevant information to the provident fund management bureau, which can be completed in about one month.
3. Who has set up a business-to-business portfolio loan in Shenzhen? What is the specific process?
First, the object of corporate loans
Workers who have purchased self-occupied housing in Fuzhou and applied for purely commercial housing loans have outstanding loans, which meet the conditions of Fuzhou housing provident fund loans and have not applied for housing provident fund loans.
Two, the applicant should also meet the following conditions:
(1) The loan applicant must be the borrower or spouse of the original commercial housing loan (the spouse should be the same as the purchaser of the original property).
(2) The borrower has paid the housing provident fund in full and normally for more than six months, and neither the borrower nor the spouse has applied for a housing provident fund loan.
(three) the original commercial housing loan has been repaid for more than one year (inclusive), and during the repayment period, the commercial housing loan bank agrees that the borrower will settle the loan balance in advance.
(4) It has a stable economic income, the ability to repay loans, a good credit record and no overdue loan balance.
(5) The purchased house must be of reinforced concrete structure, and the house ownership certificate has been obtained, so the mortgage can be set normally.
(six) meet other conditions of housing provident fund loans.
Three, the applicant's loan amount should also meet the following conditions:
(1) The maximum amount of housing provident fund loans announced by Fuzhou Housing Provident Fund Management Committee, and the transferred public loans cannot form a housing provident fund portfolio loan.
(2) Within the balance of the original commercial housing purchase loan (take 1000 yuan or more as an integer).
(3) Within the specified proportion of the house value (the house value is determined according to the lower of the original total purchase price and the evaluation price).
Four. The term of the applicant's corporate loan shall meet the following conditions:
(1) The total loan term and house age shall not exceed 30 years.
(two) the remaining life of the original commercial housing loan.
(3) Within the statutory retirement period of the loan applicant (it can be extended for 5 years).
Verb (abbreviation for verb) commercial-to-public lending rate
According to the housing provident fund loan interest rate stipulated by the People's Bank of China.
Six, provide the materials needed for enterprise loans.
(a) "Fuzhou individual commercial housing loans to housing provident fund loans application form" (hereinafter referred to as the "transfer business application form").
(two) the original and photocopy of the ID card and marriage certificate of the loan applicant and spouse.
(3) The original and photocopy of the household registration book of the loan applicant.
(four) the "income certificate" issued by the loan applicant and his spouse.
(five) the housing provident fund passbook of the loan applicant and his spouse (which should reflect the deposit of the provident fund in the last 6 months).
(6) The original and photocopy of the loan contract, loan mortgage contract and commercial housing sales contract of the original commercial housing loan.
(seven) the original and photocopy of the "Property Ownership Certificate" of the house purchased by the original commercial housing loan.
(eight) the original commercial housing loan balance certificate provided by the original commercial housing loan bank (valid within one month) and the repayment record of one year before the commercial loan application date.
(nine) the written statement of the property owner's consent to mortgage.
(ten) the "real estate price appraisal report" issued by the real estate appraisal agency recognized by Fuzhou Housing Provident Fund Management Center.
Note: If the original commercial housing purchase loan is a commercial housing mortgage loan and the total amount of the applicant's loan transferred to the public is less than 50% of the original purchase amount, the real estate price appraisal report may not be provided.
(eleven) the certificate issued by the real estate transaction registration agency where the house is purchased (the family includes the loan applicant, spouse and minor children).
(twelve) other materials required by the provident fund center and the undertaking bank.
VII. Business Handover Process
Pre-loan consultation (1) → application (2) → approval (3) → settlement of original loan and cancellation of original mortgage (4) → signing contract (5) → mortgage registration (6) → loan issuance (7) → timely repayment (8) → account cancellation (9).
(1) Pre-lending consultation
Loan applicants go to the Provident Fund Center for consultation and get loan materials such as the Business Transfer Application Form or download them from the website of Fuzhou Housing Provident Fund Management Center.
(2) Application
The loan applicant shall submit a written application to the provident fund center for transferring the business loan to the public, and provide the application materials specified in Article 6.
(3) Examination and approval
The provident fund center examines the loan materials provided by the loan applicant and makes a decision on whether to grant the loan.
(four) to settle the original loan and cancel the original mortgage.
After being approved by the Provident Fund Center, the undertaking bank informs the borrower to settle the original commercial house purchase loan within 60 days, and the original commercial house purchase loan bank cancels the original mortgage.
(5) Signing a contract
The loan applicant holds the original commercial housing loan settlement certificate and the original mortgage cancellation certificate to sign the housing provident fund loan contract and mortgage contract with the undertaking bank.
(6) mortgage registration.
After the loan contract and mortgage contract are signed, the undertaking bank shall deliver them to the real estate transaction registration agency where the house is purchased for mortgage registration.
(7) granting loans
After the mortgage contract registration formalities are completed, the undertaking bank will issue the loan to the borrower's personal account opened in the undertaking bank with relevant vouchers.
(8) Repayment on schedule
The borrower repays the loan on schedule as agreed in the contract.
(9) Settlement account
When the repayment period expires, the borrower settles the loan and goes through the formalities of canceling the mortgage registration.
Eight. Implementation time
These Rules shall be implemented as of July 20111.
Nine, special tips
(a) according to the control of the total amount of funds available for the housing provident fund in the current year, handle the business-to-public loan according to the principle of waiting in turn.
(two) housing provident fund portfolio loans can not be used for operating loans.
(three) after the business loan is turned into public, it should be a pure housing provident fund loan.
(four) the original commercial housing loan borrower has divorced, and it is clear through judgment or ruling that the property ownership is no longer in the name of the original commercial housing loan borrower, so it is impossible to apply for a business loan.
(5) The borrower shall bear the relevant expenses involved in the process of handling the business-to-public loan, such as ward round, guarantee and evaluation.
(six) enterprises should strictly implement the second suite policy for corporate loans, and the third suite should stop lending.
(seven) without the approval center to make a decision to approve the loan, the loan will not be transferred to the public.
(eight) the Fuzhou housing provident fund management center is responsible for the interpretation of these measures.
Hope to adopt!
4. What is the handling process of Shenzhen portfolio loan? How long does the approval process take?
When buying a house, the housing loan needs to be approved, and when handling the loan, you need to follow the relevant procedures. The approval time of portfolio loans will be slightly longer, because portfolio loans involve the approval of two lending institutions, and the process is relatively cumbersome.
When buying a house, the housing loan needs to be approved, and when handling the loan, you need to follow the relevant procedures. The approval time of portfolio loans will be slightly longer, because portfolio loans involve the approval of two lending institutions, and the process is relatively cumbersome.
1. What is the handling process of Shenzhen portfolio loan?
1. The borrower applies for housing provident fund loans to the real estate credit department of CCB in all districts and counties with a copy of the house purchase contract and the developer's housing sales license, ID card, housing provident fund savings magnetic card and seal (if the husband and wife use housing provident fund loans, they must also bring a marriage certificate or other proof of the relationship between husband and wife) and fill out the Application Form for Personal Housing Provident Fund Loans (Combined Loans).
2. According to the information provided by the borrower, the loan bank examines whether the borrower meets the loan conditions, calculates the loan amount and determines the loan term. After examining the borrower's application, the loan bank signs a loan contract and a mortgage contract (or a pledge contract without housing guarantee) with the bank.
3. After the loan contract is signed, there are two ways to guarantee the housing provident fund loan (portfolio loan) to the relevant departments. The borrower can choose any one of them according to his actual situation. The borrower can pledge its own, * * own or third-party property, bank time deposit certificates and other securities recognized by the lending bank, and the borrower will take these securities to the lending bank for safekeeping.
2. How long does it take to approve the Shenzhen portfolio loan?
1. It usually takes 7- 10 working days to submit spare parts and funds to the buyer and seller for approval. Lending time: the process of group loan is to issue the certificate first and then lend money. Generally speaking, it takes 45 working days for approval, but at present, banks are short of money and take longer.
2. Generally, after all the formalities are completed, the handover will be completed to see if you have any special requirements, but you need to communicate with the seller. On the day of transfer, the buyer and the seller go to the bank to sign a commercial loan contract, and then the buyer and the seller go to the exchange to handle the transfer procedures.
3. After signing the commercial loan contract, the original passbook of the buyer and the seller must be left in the host bank. After the new title certificate is issued, a copy will be sent to the appraisal office. After the appraisal report comes out, the amount, duration and qualification of the provident fund loan of the buyer's customers will be preliminarily reviewed, and the combined loan contact form and appraisal report will be sent to the commercial loan bank. After the approval of the bank, it will take 5- 10 working days.
4. After the signing of the provident fund loan contract 13 working days, part of the provident fund loan will be released, and part of the commercial loan will be released within 3-5 working days after the completion of the public loan.
These are all information about the handling process of Shenzhen portfolio loan, how long it takes for Shenzhen portfolio loan to be approved, the loan is unclear, or the buyers who can't start when handling it. Friends who are short of time and have no energy to apply for a loan can also entrust the loan to a formal intermediary, which is more professional, less prone to mistakes and saves time.