2. Fill in the Approval Form for Converting Commercial Housing Loans to Provident Fund Loans, and the borrower will take this form to the credit department of the original loan bank and stamp it, and transfer a copy of other warrants from the bank (with the official seal of the bank).
3. The borrower returns to the provident fund center with a copy of the loan application form and other warrants. After the center staff re-approves, the guarantee company issues a check, and the borrower takes the check to the original loan bank to pay off the loan balance.
4. Finally, the borrower signs the loan contract and guarantee contract in the provident fund center and pays the guarantee fee.
Required expenses
1. The capital occupation fee shall be collected by the guarantee company.
2. Guarantee fee: collected by the guarantee company in two ways: those paid off in advance will not be refunded: loan amount × loan term × 0.7 ‰; Pay off in advance and return in proportion: loan amount × loan term × 1‰.
Conditions that a borrower should meet when applying for "transferring commercial loans to provident fund"
1, which meets the application conditions for housing provident fund loans in our city.
2. The borrower must be the borrower or spouse of the original housing loan (the purchaser is required).
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 purchase 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 house ownership certificate issued by the local real estate registration department, and it is a steel-concrete structure.
6. Commercial loans secured by purchased real estate can be converted into provident fund loans.
7, did not apply for housing provident fund loans.
Refer to the above contents: Baidu Encyclopedia-Lending, Baidu Encyclopedia-Provident Fund Loan.