Workers who have purchased self-occupied housing in Fuzhou and applied for purely commercial housing loans have outstanding loans, which meet the conditions of Fuzhou housing provident fund loans and have not applied for housing provident fund loans.

Two, the applicant should also meet the following conditions:

(1) The loan applicant must be the borrower or spouse of the original commercial housing loan (the spouse should be the same as the purchaser of the original property).

(2) The borrower has paid the housing provident fund in full and normally for more than six months, and neither the borrower nor the spouse has applied for a housing provident fund loan.

(three) the original commercial housing loan has been repaid for more than one year (inclusive), and during the repayment period, the commercial housing loan bank agrees that the borrower will settle the loan balance in advance.

(4) It has a stable economic income, the ability to repay loans, a good credit record and no overdue loan balance.

(5) The purchased house must be of reinforced concrete structure, and the house ownership certificate has been obtained, so the mortgage can be set normally.

(six) meet other conditions of housing provident fund loans.

Three, the applicant's loan amount should also meet the following conditions:

(1) The maximum amount of housing provident fund loans announced by Fuzhou Housing Provident Fund Management Committee, and the transferred public loans cannot form a housing provident fund portfolio loan.

(2) Within the balance of the original commercial housing purchase loan (take 1000 yuan or more as an integer).

(3) Within the specified proportion of the house value (the house value is determined according to the lower of the original total purchase price and the evaluation price).

Four. The term of the applicant's corporate loan shall meet the following conditions:

(1) The total loan term and house age shall not exceed 30 years.

(two) the remaining life of the original commercial housing loan.

(3) Within the statutory retirement period of the loan applicant (it can be extended for 5 years).

Verb (abbreviation for verb) commercial-to-public lending rate

According to the housing provident fund loan interest rate stipulated by the People's Bank of China.

Six, provide the materials needed for enterprise loans.

(a) "Fuzhou individual commercial housing loans to housing provident fund loans application form" (hereinafter referred to as the "transfer business application form").

(two) the original and photocopy of the ID card and marriage certificate of the loan applicant and spouse.

(3) The original and photocopy of the household registration book of the loan applicant.

(four) the "income certificate" issued by the loan applicant and his spouse.

(five) the housing provident fund passbook of the loan applicant and his spouse (which should reflect the deposit of the provident fund in the last 6 months).

(6) The original and photocopy of the loan contract, loan mortgage contract and commercial housing sales contract of the original commercial housing loan.

(seven) the original and photocopy of the "Property Ownership Certificate" of the house purchased by the original commercial housing loan.

(eight) the original commercial housing loan balance certificate provided by the original commercial housing loan bank (valid within one month) and the repayment record of one year before the commercial loan application date.

(nine) the written statement of the property owner's consent to mortgage.

(ten) the "real estate price appraisal report" issued by the real estate appraisal agency recognized by Fuzhou Housing Provident Fund Management Center.

Note: If the original commercial housing purchase loan is a commercial housing mortgage loan and the total amount of the applicant's loan transferred to the public is less than 50% of the original purchase amount, the real estate price appraisal report may not be provided.

(eleven) the certificate issued by the real estate transaction registration agency where the house is purchased (the family includes the loan applicant, spouse and minor children).

(twelve) other materials required by the provident fund center and the undertaking bank.

VII. Business Handover Process

Pre-loan consultation (1) → application (2) → approval (3) → settlement of original loan and cancellation of original mortgage (4) → signing contract (5) → mortgage registration (6) → loan issuance (7) → timely repayment (8) → account cancellation (9).

(1) Pre-lending consultation

Loan applicants go to the Provident Fund Center for consultation and get loan materials such as the Business Transfer Application Form or download them from the website of Fuzhou Housing Provident Fund Management Center.

(2) Application

The loan applicant shall submit a written application to the provident fund center for transferring the business loan to the public, and provide the application materials specified in Article 6.

(3) Examination and approval

The provident fund center examines the loan materials provided by the loan applicant and makes a decision on whether to grant the loan.

(four) to settle the original loan and cancel the original mortgage.

After being approved by the Provident Fund Center, the undertaking bank informs the borrower to settle the original commercial house purchase loan within 60 days, and the original commercial house purchase loan bank cancels the original mortgage.

(5) Signing a contract

The loan applicant holds the original commercial housing loan settlement certificate and the original mortgage cancellation certificate to sign the housing provident fund loan contract and mortgage contract with the undertaking bank.

(6) mortgage registration.

After the loan contract and mortgage contract are signed, the undertaking bank shall deliver them to the real estate transaction registration agency where the house is purchased for mortgage registration.

(7) granting loans

After the mortgage contract registration formalities are completed, the undertaking bank will issue the loan to the borrower's personal account opened in the undertaking bank with relevant vouchers.

(8) Repayment on schedule

The borrower repays the loan on schedule as agreed in the contract.

(9) Settlement account

When the repayment period expires, the borrower settles the loan and goes through the formalities of canceling the mortgage registration.

Eight. Implementation time

These Rules shall be implemented as of July 20111.

Nine, special tips

(a) according to the control of the total amount of funds available for the housing provident fund in the current year, handle the business-to-public loan according to the principle of waiting in turn.

(two) housing provident fund portfolio loans can not be used for operating loans.

(three) after the business loan is turned into public, it should be a pure housing provident fund loan.

(four) the original commercial housing loan borrower has divorced, the court ruled or ruled that the property ownership is no longer in the name of the original commercial housing loan borrower, and it is not possible to apply for a business loan.

(5) The borrower shall bear the relevant expenses involved in the process of handling the business-to-public loan, such as ward round, guarantee and evaluation.

(six) enterprises should strictly implement the second suite policy for corporate loans, and the third suite should stop lending.

(seven) without the approval center to make a decision to approve the loan, the loan will not be transferred to the public.

(eight) the Fuzhou housing provident fund management center is responsible for the interpretation of these measures.

Hope to adopt!