No.: 426 162224 16
Enterprise name: Ankang Dezhong Co., Ltd.
Tel: 09 15-3227888
Contact: Mao
Address: No.4 Anyue Street, Hanbin District, Ankang
This is the only official!
2. Can Shaanxi Ankang convert commercial loans into provident fund loans?
Shaanxi Ankang is acceptable;
The first deposit loan conditions provident fund account has been opened for more than one year, and the account status is normal. Units that are not in arrears and have completed the house ownership certificate must meet the following conditions. A loan transferred to the provident fund should have been repaid for more than a year. B If the loan is transferred to provident fund, there should be no bad repayment record. B transfer to provident fund loans must be approved by the original lending bank. The balance of the original loan exceeds the amount of the loan transferred to the provident fund, which shall be raised by the new borrower or the borrower and used together with the loan transferred to the provident fund to repay the original loan principal and interest in advance.
Changchun requires that the purchased house must be an existing house and the original commercial bank must agree to complete the mortgage.
Lianyungang loan conditions: the borrower and the borrower must have good credit, no bad credit record, real house purchase behavior and meet the purpose of housing provident fund.
Changsha 1 object meets the second condition of provident fund loan, and the re-loan amount shall not exceed the loan balance of the original commercial bank and the upper limit of the specified amount of housing provident fund loan. On the date of application by a commercial bank with good reputation, the family property of the applicant shall not exceed other conditions (including sets) stipulated in the application for housing provident fund loans.
In addition to the provisions of article 6 of Jinan, the following conditions must also be met. Provident fund loan transfer procedures must be handled in the original housing loan commercial bank, hereinafter referred to as the loan bank. The repayment time of the applicant's personal housing loan has reached the requirements of the loan bank, and the house ownership certificate of the purchased property has been handled and conforms to the provisions of the Measures for the Administration of Housing Provident Fund Loans and its operational norms. The loan amount shall not exceed 80% of the original transaction price of the house and the appraised value of the house, and the loan amount transferred to the provident fund loan shall not exceed the remaining loan principal of the original individual housing loan. Article 9 The term of fund lending shall be implemented in accordance with the Measures for the Administration of Personal Housing Fund Loans in Jinan, and the interest rate of gold loans shall be implemented in accordance with the relevant provisions of the People's Bank of China, and adjusted with the interest rate adjustment of the People's Bank of China.
Wuhan urban hukou, including blue-printed hukou or temporary residence permit, is normally paid into the housing provident fund. Employees with full capacity for civil conduct have good personal credit, have relatively stable housing commercial loans, and have applied for commercial loans to be converted into provident fund loans on time. Housing portfolio loan has been handled, and the house has been taken out and converted into provident fund loan when buying a house. The original commercial loan must be a non-provident fund loan from a provident fund loan bank outlet entrusted by the Municipal Housing Reform Center. The borrower and the borrower of the original commercial loan must be the same person. The original commercial loan is normally repaid for more than one year, and the loan bank provides no overdue repayment record. If the housing provident fund is withdrawn from the house purchase, it must continue to be deposited normally for more than 1 year from the date of withdrawal. If the loan is transferred to the provident fund, the consent of the original commercial loan bank must be obtained. Houses that are transferred to provident fund loans must be registered in the city housing reform provident fund center. If the registered residential development project has not yet handled the housing ownership certificate and the state-owned land use right certificate, the developer shall provide staged guarantee or proof of commercial housing ownership, and the guarantee company recognized by the municipal capital center shall provide the guarantee loan amount, term, interest rate loan amount and transfer provident fund loan amount not higher than the original commercial loan balance, and shall not exceed the maximum amount of provident fund loan. The construction area of a single set of housing in the primary market is square meters, and the maximum proportion of loans transferred to provident fund within the interior construction area and assessed construction area cannot exceed% of the total price of the original purchase contract. If the housing construction area does not exceed square meters, the maximum proportion of loans transferred to provident fund cannot exceed% of the total price of the original purchase contract. The specific loan amount of the borrower's transfer to the provident fund loan is calculated according to the following formula: the sum of the monthly salary income of the borrower and the husband and wife who have paid the housing provident fund is ××××××× loan period. The difference between the approved loan amount transferred to provident fund and the original commercial loan balance shall be solved by the loan borrower with its own funds. The term of the loan transferred to the provident fund shall not exceed the remaining years of the original commercial loan, and shall not exceed the remaining years of the loan borrower from the statutory retirement age. The loan interest rate shall be implemented in accordance with the interest rate standard for individual housing loans of the same grade and term stipulated by the People's Bank of China.
3. Where can Ankang get a loan?
The insurance policy can be used as a voucher to handle the loan, depending on the product you are insured, the insurance period and the amount of compensation (Miaomiaobao).