How to convert commercial loans into housing provident fund loans

1. Commercial loans can be converted into housing provident fund loans.

2, commercial loans to provident fund loans, borrowers should also 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.

3. Materials required for the loan conditions of commercial loans to provident fund (all materials must be provided in originals): the 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.

4. Housing provident fund loans refer to housing mortgage loans granted by commercial banks entrusted by local housing provident fund management centers to on-the-job employees who have paid housing provident fund and retired employees who have paid housing provident fund during their employment. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees. The housing provident fund paid by employees and the housing provident fund paid for employees by the unit where employees work are personal savings stored by employees in accordance with the regulations for housing consumption expenditures, which belong to individual employees. When an employee retires, the balance of principal and interest is paid in one lump sum and returned to the employee himself.

5. Commercial loans are loans used to supplement the working capital of industrial and commercial enterprises. Generally, they are short-term loans, usually 9 months, up to one year, but there are also a few medium-and long-term loans. This kind of loan is the main part of commercial bank loans, generally accounting for more than one-third of the total loans.

6. Commercial loans, also known as individual housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to purchase ordinary housing for their own use and implement the statutory loan interest rate. Many commercial banks in Beijing have this business, such as CCB and ABC. The procedures for applying for loans are basically the same.

7. Personal housing commercial loans are self-operated loans issued by banks with their credit funds.

Specifically, a natural person with full capacity for civil conduct applies to the bank for a commercial housing loan as a loan repayment guarantee when purchasing a self-occupied house in a town in this city, with the purchased property housing (or other guarantee methods recognized by the bank) as collateral. Mortgage loan is a kind of commercial loan. Personal housing commercial loan is a kind of loan that China citizens apply to the bank for the purchase of commercial housing. According to the relevant regulations of the bank, anyone who meets one of the following two conditions can apply for loan varieties: first, residents who participate in housing savings; Second, the house seller and the loan bank agreed that the real estate guarantee enterprise would provide guarantee to the bank for the residents' house purchase loan.

Commercial loans refer to the proportion of commercial loans in the guarantee balance of housing property right guarantee institutions at the end of the statistical period.

What materials do you need to transfer commercial loans to provident fund loans?

Nowadays, many people buy real estate by applying for mortgage loans from banks. There are generally three kinds of bank mortgage, namely commercial mortgage, provident fund mortgage and combined loan composed of provident fund and commercial mortgage. Moreover, commercial loans and provident funds can also be converted. Then, what materials do you need to transfer commercial loans to provident fund loans?

Generally speaking, the original and photocopy of the borrower's ID card and household registration book need to be provided when commercial mortgage loans are converted into provident fund loans; Original and photocopy of marital status certificate; The original and photocopy of the house ownership certificate and the state-owned land use certificate of the house purchased by the commercial loan; Original loan mortgage contract and commercial housing sales contract; Only one original and one copy of the Registration Form for Housing Mortgage Filing can be applied.

In addition, if you don't know what information you need to prepare, customers can also contact the staff of the local housing provident fund management center by phone before handling the business transfer. Avoid the situation that users can't handle it because of the uneven information they carry, which will affect business handling.

Can commercial mortgage be converted into provident fund loan?

Yes, you can. 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.

What are the procedures for mortgage to provident fund loan?

Most families choose loans to ease the pressure of buying houses. Many friends choose commercial mortgage when they borrow money, but later they find that it is not very cost-effective, or the provident fund is more favorable. So will it be very troublesome to transfer the mortgage to the provident fund? Let's take a look at the process of transferring mortgage to provident fund loan. Rn 1。 The materials required to submit rn include: the lender's ID card, household registration book, proof of marital status, real estate license, state-owned land use certificate (all originals and copies), as well as the housing mortgage loan contract for commercial loans, the housing appraisal report approved by the provident fund management center, and the notarized written documents of all property owners agreeing to mortgage. Rn II。 Apply for rn. Take these documents to the commercial loan bank to apply, get the personal housing announcement fund lending folder from the staff, fill it out and submit it to the commercial loan bank. Rn III。 Audit rn Bank will inquire about the personal credit report of the lender and spouse. After verification, the bank will conduct a preliminary examination in the provident fund system; After passing the preliminary examination, the bank informs the sub-lender to go through the guarantee formalities with the guarantee company with relevant materials. Rn related materials include: personal and spouse identity documents, household registration books, real estate licenses, and loan approval information confirmation sheets issued by banks. Rn IV。 The provident fund management center rn signed a contract to transfer the lender to the guarantee company to apply for a letter of guarantee, and then went to the provident fund management center to sign a loan contract and a mortgage contract. Commercial loans that exceed provident fund loans need to be supplemented with their own funds. Rn V. Lending rn Provident Fund Management Center lends money, and the guarantee company cancels the mortgage procedures of commercial loans before the lender and transfers to the mortgage procedures of provident fund loans, and the loan transfer is successful. Rn article conclusion: I believe everyone has a better understanding of the problems related to the process of transferring commercial loans to provident fund loans. If you want to refinance, you may wish to refer to the above contents. However, it is still necessary to go to the local provident fund management office to understand that the standards in different regions may be different.

The introduction of mortgage to provident fund loan information ends here.