Maybe we can.
2. Can Guiyang Industrial Bank change from commercial to public?
You can't.
Guiyang Housing Provident Fund Center gave a detailed answer on the handling conditions, materials and processes of housing loan "from business to public". It is reported that Guiyang Provident Fund Center only accepts applications for "business to public" from ICBC, Agricultural Bank, China Construction Bank and Bank of Communications for the time being.
It is reported that if you apply for commercial loans in the above four banks, you must meet two basic conditions before you can apply for "corporate business":
1. The original commercial bank agreed to transfer the business to the public.
2. The applicant meets the conditions for mortgage change. Whether it meets the specific standards or not, you can consult the relevant persons of the original commercial loan bank for loans.
Commercial loans of ICBC and CCB can be directly transferred to the public through banks, while commercial loans of Bank of Communications and Agricultural Bank need to be transferred to the public through home ownership guarantee companies; Moreover, the information required by the two methods is different.
In addition, if the applicants are husband and wife, and both parties meet the conditions of provident fund loans, the loan amount can be calculated by combining the provident fund of both husband and wife.
3. Can Fuzhou Industrial Bank be transformed into a public company?
Blessed but need to meet certain conditions.
Commercial-to-public loans refer to commercial loans converted according to relevant policies and regulations. Fuzhou citizens need to meet the following six conditions if they want to apply for corporate loans.
1. Pay the housing accumulation fund normally in the local area.
2. The lending business only accepts or matches the borrower 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 be accepted.
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 turns to the public, make sure that the purchased property has obtained the ownership certificate and the applicant has not applied for a housing provident fund loan before.
6. The amount of business-to-public loans applied for should be within the maximum loan amount of housing provident fund loans announced by the local housing provident fund management committee and the balance of the original commercial housing loans 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. Before applying to the housing provident fund management institution, you need to prepare relevant materials, including the original loan contract 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. Hukou
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 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.
4. Why doesn't Industrial Bank support the public transfer business?
The reason why Industrial Bank does not support the transformation of commercial enterprises into public enterprises is that the process of transforming commercial enterprises into public enterprises involves many laws and regulations and must meet all kinds of strict examination and evaluation. However, Industrial Bank does not support the transformation of commercial enterprises into public enterprises because it has no relevant review and evaluation procedures and no relevant legal basis. In addition, the transformation of commercial enterprises into public ownership may have an impact on the risks and losses of Industrial Bank loans, and those that cannot accurately assess the risks will not be supported.