Commercial loans to provident fund loans usually refer to commercial loans to companies. The lender repays the commercial housing loan in advance and applies to the provident fund center to repay the remaining loan at the interest rate of the provident fund loan. &; nbsp
First, you need to apply to a commercial loan bank. Then, you will receive a personal housing announcement fund loan folder and submit it to the commercial loan bank. At the same time, the following materials must be submitted: the lender's identity certificate, the original and photocopy of the household registration book, the original and photocopy of the marital status certificate, the original and photocopy of the real estate license and the state-owned land use certificate, the original and photocopy of the commercial loan "Housing Loan Contract", the housing appraisal report issued by the housing appraisal agency recognized by the housing contract provident fund management center, the written document and notarization of the owner's consent to mortgage, and other materials required by the provident fund management center and the bank.
Secondly, after submitting the materials, the bank will check the personal application report of the borrower and spouse. After meeting the requirements, the bank will conduct a preliminary examination in the provident fund system. After passing the preliminary examination, according to the requirements of commercial transfer, the bank must notify the transferor to go through the guarantee formalities with the guarantee company, and the relevant materials at least include the identity certificate of the individual and spouse, the household registration book, the residence certificate of the two places, and the loan review information confirmation form issued by the bank. &; nbsp
Third, at this stage, a contract will be signed. After receiving the letter of guarantee from the guarantee company, the commercial sub-loan applicant will sign a loan contract mortgage contract with the provident fund management center, and the part of the commercial loan exceeding the upper limit of the provident fund loan needs to be supplemented with its own funds. &; nbsp
Finally, after the loan from the provident fund management center, the guarantee company cancels the mortgage procedures of commercial loans and transfers to the mortgage registration of provident fund loans. &; nbsp
Term of loan &; nbsp
In principle, the loan period from commercial loans to corporate loans shall not exceed the remaining years of the lender's statutory retirement. In order to effectively solve employees' difficulties in purchasing houses and repayment pressure, the housing provident fund can be extended by 1~5 years according to employees' wishes, but the longest retirement period is not more than 30 years (the longest retirement period for second-hand houses is not more than 20 years). &; nbsp
Loan amount &; Uninterrupted space
In terms of the maximum loan amount, the maximum loan amount for employees who pay the housing provident fund unilaterally is 300,000, and the maximum loan amount for employees who pay jointly by husband and wife is 400,000. The maximum loan amount shall not exceed the remaining loan amount of the commercial loan industry. The specific loan amount must be measured by the housing provident fund management institution on the spot.