The borrower can go to the local housing provident fund management center to fill in the application, and after passing the examination by the housing provident fund management center, he will settle the loan with the original commercial loan bank, end the mortgage, and then sign a new loan contract with the housing provident fund management center.
The specific process of transforming housing commercial loans into provident fund loans;
First, you need to apply to a commercial loan bank. Then get the "personal housing announcement fund lending folder", fill it out and submit it to the commercial loan bank. The following materials shall also be submitted at the same time: the identity certificate of the lender, the original and photocopy of the household registration book; Original and photocopy of marital status certificate; Original and photocopy of real estate license and state-owned land use certificate; The original "Housing Mortgage Loan Contract" for commercial loans and the purchase contract; A housing appraisal report issued by a housing appraisal institution recognized by the provident fund management center; All property owners issue notarized written documents agreeing to mortgage; Materials required by other provident fund management centers and banks.
Secondly, after submitting the materials, the bank will inquire about the personal credit report of the borrower and spouse. If it meets the requirements, the bank will conduct a preliminary examination in the provident fund system; After the first trial is passed, according to the requirements of the business of transferring to the public, the bank needs to inform the sub-lender to go through the guarantee formalities with the guarantee company with relevant materials, including at least the personal and spouse identity documents, household registration books, two sets of housing certificates and the loan approval information confirmation form issued by the bank.
Third, this step is to sign a contract. After obtaining the letter of guarantee from the guarantee company, the business-to-public applicant signs a loan contract and a mortgage contract with the provident fund management center, and the commercial loan exceeding the upper limit of the provident fund loan needs to be supplemented with its own funds.
Fourth, after the provident fund management center lends money, the guarantee company will help you cancel the commercial loan mortgage procedures and transfer to the provident fund loan mortgage registration.
Conditions to be met when housing commercial loans are converted into provident fund loans
1. The borrower who transfers our provident fund loan to the original commercial loan must be the same person, which means that you can't repay the loan by transferring the commercial loan of the provident fund to another person in disguise.
2. The original commercial loan has been repaid normally for more than 65,438+0 years, and there is no record of overdue repayment provided by the lending bank. This time is not fixed, depending on what the original commercial loan bank requires. For example, it will take six months to build a bank, but it seems that HSBC will take three years.
3. The transfer of provident fund loans must obtain the consent of the original commercial loan bank.
4. Has obtained the house ownership certificate (or house ownership certificate and state-owned land use certificate).
How to handle the transfer of personal mortgage business to public?
If the customer wants to change the housing loan from a commercial loan to a provident fund loan, the process is as follows:
1. Prepare personal ID card, mortgage contract, repayment bank card, provident fund deposit certificate and other materials to apply to the entrusted bank.
2. The entrusted bank accepts and examines the materials submitted by customers to determine the authenticity, completeness and validity of the materials.
3. After receiving the notice, the customers who passed the preliminary examination shall go through the guarantee formalities with the guarantee company.
4. Sign a loan contract and mortgage contract with the loan bank, and make up the difference of the transferred provident fund loan to the repayment bank card bound by the original commercial loan.
5. The loan bank shall enter mortgage guarantee and other information, and conduct audit in accordance with the provisions of the provident fund management center.
6. After the final judgment is passed, the bank will issue loan funds.
7. The loan bank cooperates with the guarantee company to cancel the original commercial loan mortgage registration in the local housing authority and handle the transfer mortgage registration procedures for provident fund loans. After that, the guarantee company will hand over the completed house ownership certificate to the loan bank for safekeeping.
Commercial loan to housing provident fund loan process
Process of transferring commercial loans to housing provident fund loans: 1. Application: Contact your mortgage account manager and tell the other party that you want to transfer commercial loans to provident fund loans. 2. Submission materials: you need to bring your own and your spouse's ID card, marriage certificate or single certificate, household registration book, mortgage contract, etc. Submit materials to the loan bank for review. 3. sign the contract. Settle differences. Transfer of funds 02 "Regulations on the Management of Housing Provident Fund" Article 25 If an employee withdraws the balance stored in the housing provident fund account, it shall be verified by his unit and a certificate of withdrawal shall be issued. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures. Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.