When a commercial loan is converted into a provident fund loan, the borrower shall meet the following seven conditions:
Meet the application conditions for housing provident fund loans in this Municipality;
The borrower must be the borrower or spouse of the original housing loan (the buyer is required);
The original commercial housing loan has not been settled, and the bank agrees that the borrower will settle the loan in advance;
The original commercial housing loan has been repaid for more than one year (inclusive), with a good credit record and no overdue loan balance;
The purchased property has obtained the house ownership certificate issued by the local real estate registration department, and it is a steel-concrete structure;
Commercial loans that can be mortgaged for the purchased real estate can be converted into provident fund loans;
Never applied for a housing provident fund loan.
Materials required for the conditions of transferring commercial loans to provident fund loans (all materials must be original):
Original purchase contract;
Original purchase invoice issued by the tax department;
Original Property Ownership Certificate and Land Certificate;
Original ID cards of both husband and wife (valid for more than one year);
Original marriage certificate or single certificate (the single certificate is stamped with the official seal of the unit);
Original household registration book;
Original bank settlement voucher and repayment voucher;
Original loan contract signed with the bank.
Can Fuzhou Industrial Bank change from commercial to public?
Fuzhou Industrial Bank can handle the business of corporate transfer, but it needs to meet certain conditions.
Business-to-public refers to the conversion of commercial loans into housing accumulation funds. According to the relevant policies and regulations of China's provident fund, Fuzhou citizens should meet the following six conditions if they want to apply for a business-to-public loan.
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 original commercial housing purchase loan has been repaid for 1 year, 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 for transferring business 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.
: the process of transferring commercial loans to provident fund loans
According to the different ways to solve the arrears, the process of transferring commercial loans to provident fund loans is divided into two types, and the flow chart is as follows:
1. Self-raised funds
2. Custody company or guarantee company
6 commercial loans to provident fund loans need to prepare materials
1. Applicant's ID card and the original and photocopy of the applicant's ID card.
2. The original and photocopy of the household registration book.
3. Original and photocopy of marriage certificate (single person shall provide the original marriage information certificate issued by the civil affairs department where the household registration is located, valid for 1 month).
4. Original and photocopy of real estate license, original and photocopy of deed tax certificate.
5. Original and photocopy of the commercial loan contract.
6. Pay off the original and photocopy 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, the original house evaluation report shall be provided.
8. If the house purchased by commercial loan is a commercial house, the original contract for the sale of commercial house or a copy after file search shall be provided.
9. If the real estate has a land certificate, the original and photocopy of the state-owned land certificate shall be provided. If the land certificate is not issued, the original and photocopy of the receipt shall be handled with the land certificate issued by the Land Bureau.
What are the loan procedures for transferring business to provident fund? Can commercial loans be transferred to provident fund?
In modern society, houses have long been needed. If people want to settle in a city, they must buy a house. Young couples want to get married, and a house is also essential. What are the loan procedures for transferring business to provident fund? Can commercial loans be transferred to provident fund? Let's get to know each other!
What are the loan procedures for transferring business to provident fund?
The borrower needs to prepare relevant information, and then go to the reserve management center to confirm whether it has the conditions for transferring to public business. Then submit it to the bank for review and wait for notice.
After that, the borrower needs to consult the commercial loan bank and inform the bank of its intention to transfer to the provident fund loan, which will be reviewed and confirmed by the bank. Fill in and submit relevant information according to the requirements of commercial loan banks. Then the bank will enter the stage of credit investigation and loan repayment calculation. Finally, the loan contract is signed, then the difference is paid, and finally the bank issues the loan. The borrower also needs to release and hand over the property.
The cities where commercial loans are transferred to provident fund loans are as follows: Chongqing, Wuhan, Shenzhen, Changsha, Xiamen, Hefei, Changchun, Shijiazhuang, Lanzhou, Taiyuan, Zhengzhou, Fuzhou, Nanchang, Guiyang, Kunming, Leshan, Daqing, Tai 'an and Wuxi.
Can commercial loans be transferred to provident fund?
Generally speaking, there is no improvement, the main reasons are: the procedures for provident fund loans are more troublesome, and banks think the procedures are cumbersome; The interest rate of commercial loans is much higher than that of provident fund loans, and banks can get more profits; Developers are reluctant to accept provident fund loans, many developers have fixed cooperative banks, and developers do not want banks to handle provident fund loans.
The above is the sharing of the relevant contents of "the loan process of commercial transfer to provident fund", and I hope it will help everyone!
How to handle the loan from Fuzhou commercial loan to provident fund?
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.
(7) Original commercial purchase
Original and photocopy of the real estate license of the house purchased by the house purchase 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.
Conditions for Fuzhou Commercial Loan to Provident Fund Loan
Fuzhou city commercial loans to provident fund loans, need to meet the following conditions:
First, when applying for a loan, the loan applicant meets the housing provident fund loan conditions.
2. The borrower is the borrower or spouse of the original commercial housing loan (the spouse should be the same as the purchaser of the original real estate).
Three, the original commercial housing loan has been repaid for more than one year (inclusive), and in the repayment period, the original commercial loan bank agreed to the borrower to settle the loan balance in advance.
4. The purchased house has obtained the house ownership certificate.
Five, did not apply for housing provident fund loans.
Commercial loans are loans used to supplement the working capital of industrial and commercial enterprises, usually short-term loans with a term of 9 months. Such loans are the main part of commercial bank loans, generally accounting for more than one third of the total.
Commercial loans, also known as individual housing loans, are loans provided by commercial banks and housing savings banks approved by the People's Bank of China for urban residents to purchase ordinary housing for their own use.
Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to the national regulations, all employees who have paid the provident fund can apply for provident fund loans according to the relevant provisions of provident fund loans.
According to the regulations, employees who have paid housing provident fund for a certain number of years or more (the number of years varies from city to city, such as 12 months or more in Changsha) can apply for provident fund loans when the funds for purchasing, building, renovating or overhauling their own houses are insufficient.
Provident fund loans refer to individual housing provident fund loans, which are issued by local housing provident fund management centers. With the housing provident fund paid by employees who apply for provident fund loans, commercial banks are entrusted to issue mortgage loans to housing provident fund depositors who purchase, build, renovate or overhaul their own houses and retired employees who pay housing provident fund during their working life. According to the regulations, employees who have paid housing provident fund for a certain number of years or more (the number of years varies from city to city, such as 12 months or more in Changsha) can apply for provident fund loans when the funds for purchasing, building, renovating or overhauling their own houses are insufficient.
The loan conditions are: the employees of the unit have signed labor contracts for more than three years (or signed 1 year labor contracts for three consecutive years); Normal continuous monthly housing provident fund deposit exceeds a certain period; Not exceeding the statutory retirement age; The borrower has a stable economic income and the ability to repay the principal and interest; The borrower agrees to handle the mortgage registration and insurance; Provide the guarantee method agreed by the local housing provident fund management center and its sub-centers; At the same time, submit relevant documents required by the bank, such as house purchase contract or house pre-sale contract, real estate license, land use certificate, deposit certificate of provident fund, etc.
Today, I went through the formalities of transferring my business to provident fund loans at CCB. The staff said it would take half a year to do it. Why did it take so long?
To convert a commercial loan into a provident fund loan, the borrower is required to pay the housing provident fund in full and on time 1 year or more, and to open an account for the provident fund 1 year or more (calculated from the loan application date).
And the employees in the unit need to sign a labor contract for more than 3 years (or sign a labor contract for 1 year for 3 consecutive years), and pay the housing provident fund normally on a monthly basis for more than 1 year;
If a labor contract has not been signed for more than 3 consecutive years or the housing provident fund has not been paid regularly for more than 1 year, the formalities may be postponed.
Conditions for transferring commercial loans to provident fund loans:
1. Pay the housing provident fund in full and on time for more than one year, and open a provident fund account for more than one year (calculated forward from the loan application date);
2. I or my spouse, parents and children buy, build, renovate or overhaul ordinary housing occupied by urban residents or buy public housing or other housing without housing ownership in this city, and the purchase and construction takes place within one year except for the transfer of provident fund loans;
3, a stable income, good credit, the ability to repay the principal and interest of the loan;
4, in accordance with the purchase, construction, renovation, overhaul of ordinary housing related procedures, documents and the provisions of the proportion of self financing;
5. Provide assets that meet the requirements of the Guarantee Law of People's Republic of China (PRC) and are approved by the housing provident fund management core as collateral or pledge;
6. The transfer of provident fund loans also requires conditions: non-portfolio loans, property certificates and the consent of the original lender;
7, foreign accounts, local farmers borrowers must provide contacts;
8. Other conditions stipulated by laws, regulations, rules and relevant provisions of the core provident fund.
Extended data
Case:
According to the economic voice "Tianxia Company", provident fund loans are the first choice for those who just need them. In addition, some people will choose commercial loans. Between these two loan methods, you can also change commercial loans into provident fund loans through the business of "changing commercial loans into provident fund loans", thus enjoying preferential loan interest rates.
However, these days, many buyers in second-and third-tier cities found that the "business-to-business" business suddenly could not be handled. For example, starting from today, Nanchang, Jiangxi Province has suspended accepting applications for "business-to-business" loans.
Today, the Voice of Economics reporter called Nanchang Housing Provident Fund Management Center. The staff said that due to the shortage of funds, it was impossible to handle business transfer. If necessary, the waiting time will be longer.
Due to the shortage of funds, the utilization rate of provident fund loans is high, and it is impossible to handle the transfer business at present. When can I start this business again? The staff of Fuzhou Housing Provident Fund Management Center said that when the utilization rate of the provident fund drops below 90%, related businesses will be resumed.
For people who buy a house, how long will it take to run a provident fund loan? The staff of Hefei Housing Provident Fund Management Center said that from the local situation, the waiting time may be as long as half a year.
It can be seen that the suspension of business from business to public is directly related to the high utilization rate of provident fund. The data shows that the utilization rate of provident fund in some second-tier cities is very high. The utilization rate of housing provident fund loans in Fuzhou reached 105.23%, Xiamen reached 108. 18%, and Nanchang reached 1 17% at the end of June this year, a record high.
Therefore, tightening provident fund loans has become an inevitable choice. While suspending the business of transferring business to public, some places also stipulate that when the provident fund loan is below a certain standard, the business of transferring business to public will be restarted. This restart standard is set in the range of 85% to 90% in many places.
Apart from the shortage of provident fund, is there a deeper consideration for suspending the transfer of commercial enterprises to public services? Yang Hongxu, vice president of Shanghai Yiju Real Estate Research Institute, believes that the real estate market in second-tier cities has increased greatly, and the enthusiasm of provident fund management centers to provide loans is not high. Commercial loans to provident fund loans need subsidies, which is one of the reasons why the provident fund management center is unwilling to do so. In addition, it is also an important aspect for second-tier cities to adjust their real estate policies through mortgages.
The April statistics just released by the National Bureau of Statistics show that real estate development and sales data are improving. Looking up the previous data, we can find that in the past year, the real estate development has gone out of a standard V-shaped situation. Second-tier cities have also become serious and important resources for housing enterprises.
According to the survey data, the transaction volume of commercial land in second-tier cities in April this year was 24.22 million square meters, up 10.7% from the previous month and up 410.7% from the same period last year. The land transfer fee was as high as113.56 billion yuan, up 280.4% year-on-year and 38.4% quarter-on-quarter. This is enough to see the popularity of the property market in second-tier cities.
Then, will tightening provident fund loans and suspending "business-to-public" business bring a cold wave to the newly hot real estate market in second-tier cities? Yang Hongxu, vice president of Shanghai Yiju Real Estate Research Institute, thinks that this situation is unlikely to happen, and the provident fund policy is only one aspect that affects the property market policy. There are many other reasons that will affect the real estate market.
However, the immediate problem faced by the majority of families in need is what to do when buying a house. If the provident fund is getting tighter and tighter, it is obviously not conducive to everyone buying a house; To put it another way, the continuation of this situation will also affect the development of the industry. In Yang Hongxu's view, the discount on housing loans and the tax deduction on loan interest should be the key measures to be considered in the future.