1. What are the conditions for converting a commercial loan to a provident fund loan?

To convert a commercial loan to a provident fund loan, the borrower should meet the following 7 conditions at the same time:

Meet the requirements of this city Housing provident fund loan application conditions;

The borrower must be the borrower or spouse of the original housing loan (need to be the buyer);

The original commercial home purchase loan has not been settled and the bank The borrower agrees to settle the loan in advance;

The original commercial house purchase loan has been repaid for more than one year (inclusive), the credit record is good, and there is no overdue loan balance;

The purchased property has been acquired House ownership certificate issued by the local real estate registration department, and it is a steel-concrete structure;

Commercial loans that can be mortgaged on the purchased property can be converted into provident fund loans;

Have never applied for housing Provident fund loan.

Documents required for converting commercial loan to provident fund loan (all documents must be original):

Original house purchase contract;

House purchase invoice issued by the tax department Originals;

Originals of "House Ownership Certificate" and "Land Certificate";

Original ID cards of both spouses (more than one year from expiration date);

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

Original household register;

Original bank settlement certificate and repayment voucher;

2. What are the application conditions for converting commercial loans into provident fund loans?

Converting a commercial loan to a provident fund loan (referred to as a business-to-public transfer) requires meeting the following conditions: 1. The property certificate has been obtained; 2. The provident fund has been deposited for one year; 3. Commercial The loan must be repaid for one year; 4. The house is in the city. At present, there are two main ways to transfer business from city to public: first, the borrower repays in advance with self-raised funds and entrusts a guarantee company to handle all relevant procedures; second, the guarantee company advances funds to repay in advance and handles all relevant procedures. The borrower must apply to the guarantee company of the Municipal Housing Provident Fund Management Center. After passing the preliminary review, the borrower will go to the original loan bank to complete the settlement procedures. The guarantee company will then review the application, sign a guarantee contract, and go through relevant procedures. #General conditions for converting housing commercial loans into provident fund loans: 1. When applying for a loan, the borrower should meet the following conditions at the same time (1), and have paid and deposited the housing provident fund in full for 6 consecutive months before applying for a loan according to the city's housing provident fund management regulations (or (three months) or more, and neither the borrower nor his spouse has housing provident fund loan debts, and has not provided loan guarantees or auxiliary loans to other provident fund borrowers. (2) House owners who purchase, construct, renovate, overhaul and renovate urban self-occupied houses or holders of house-use rights who purchase public housing and immediate family members who live with the house owners or house-use rights holders***; ( 3) Have stable income, good credit, and the ability to repay the principal and interest of the loan; (4) Have relevant procedures for purchasing, constructing, renovating, overhauling and decorating self-occupied housing and approval documents from the land, construction, planning and other departments and A prescribed proportion of self-raised funds; (5) Providing guarantees that comply with the provisions of the "People's Republic of China Guarantee Law" and recognized by the Management Center; (6) other prescribed conditions. #Required conditions for converting commercial loans into provident fund loans: 1. The purchased property has obtained the "Land and Housing Rights Certificate"; 2. The borrower has sufficient funds to settle the original commercial housing loan; 3. The original commercial housing loan bank agrees to the borrower's advance payment Settle the loan; 4. The borrower must be the borrower of the original commercial housing loan or his or her spouse; 5. The original commercial housing loan has been repaid for more than 1 year (inclusive), and there is no overdue loan balance; if there is insufficient funds to settle the original For commercial housing loans, applications for guarantee should be made to local guarantee institutions that comply with relevant national regulations and have corresponding qualifications recognized by the management center and the trustee bank. However, the prerequisite is that the requirements of national and regional housing provident fund personal housing loan policies must be met. The above content is for reference only, I hope it can help you. Thank you for your support of Kanfang.com and wish you a happy home purchase!

3. What are the conditions required for Yiwu business to transfer to a public company?

1. The borrower works in the city where he is located, and the provident fund is in normal deposit status when applying for the loan.

2. The applicant or the unit where the applicant works together has paid the housing provident fund for the borrower for 6 months or 12 months (including 6 months or more than 12 months) in accordance with regulations.

3. The applicant has stable economic income and the ability to repay the loan

4. The applicant agrees to provide a loan guarantee method approved by the center

5. The same applicant as *** (including spouse) has no outstanding loans or other debts except for the loan applied for transfer to provident fund.

6. The "House Ownership Certificate" or "House Notice Registration Certificate" involved in converting commercial loans to provident fund loans has been issued, and the mortgage registration procedures can be completed.

7. The normal repayment period for commercial loans is more than 10 years and there is no record of overdue repayment.

8. Portfolio loans cannot be converted from commercial loans to provident fund loans.

9. When converting a commercial loan into a provident fund loan, you can only apply for a pure provident fund loan.