It is a rule in some areas that the Postal Savings Bank does not support the transfer of commercial housing provident fund. According to relevant data, at present, only the provident fund management centers in some areas have cooperated with banks to carry out the business of converting commercial housing loans into provident fund loans. If necessary, please consult the local provident fund management center in time.

2. Can Tai 'an postal savings business loan be converted into provident fund loan?

When a commercial loan is converted into a provident fund loan, the borrower shall meet the following seven conditions:

1. Meet the application conditions for housing provident fund loans in this Municipality;

2. The borrower must be the borrower or spouse of the original housing loan (required by the buyer);

3. The original commercial housing loan has not been settled, and the bank agrees that the borrower will settle the loan in advance;

4. The original commercial housing loan has been repaid for more than one year (inclusive), with a good credit record and no overdue loan balance;

5. The purchased property has obtained the real estate license issued by the local real estate registration department, and it has a steel-concrete structure;

6. Commercial loans that can be mortgaged for the purchased real estate can be converted into provident fund loans;

7. Did not apply for housing provident fund loans.

Materials required for the conditions of transferring commercial loans to provident fund loans (all materials must be original):

1. Original house purchase contract;

2. The original purchase invoice issued by the tax department;

3. Original property certificate and land certificate;

4. The original ID cards of both husband and wife (valid for more than one year);

5. Original marriage certificate or single certificate (the single certificate is stamped with the official seal of the unit);

6. Original residence booklet;

7. Original bank settlement voucher and repayment voucher;

8. Original loan contract signed with the bank.

3. Can the Postal Savings Bank convert commercial loans into provident fund loans?

Of course. If individual commercial loans are to be converted into provident fund loans, the conditions for converting commercial loans into provident fund loans need to be met. The conditions for transferring commercial loans to provident fund loans mainly include:

1. Continuous repayment of personal commercial loans 1 year or more;

2. Individual provident fund is continuously paid 1 year or more;

3. Houses that are transferred to provident fund loans are required to be registered in the local monetary center and have formal and legal residential development projects;

4. Individuals need to obtain the consent of the original commercial loan bank to convert commercial loans into provident fund loans. Therefore, when buying a house with a loan, if the borrower chooses a commercial loan first, it can also be converted into a provident fund loan under certain conditions. However, the conditions for commercial loans to provident fund loans are generally better, and the conditions required by different places will be somewhat different. Before handling commercial loans and provident fund loans, consult clearly before deciding whether to handle them.

4. If you apply for a commercial loan at the Postal Savings Bank now, can you transfer to a provident fund loan in the future?

The loan for buying a house was decided from the beginning. What form do you want to take? Since you have chosen a commercial loan, you are not allowed to turn it into a provident fund loan after successful handling. At present, the national policy does not support such a transformation.

I hope I can help you, and I hope to adopt it!