The following are the conditions for remortgage of commercial housing.

1. The housing accumulation fund has been paid continuously and normally for more than six months.

2. The property purchased by the original commercial loan is commercial housing (excluding second-hand housing).

3. Has obtained the "Property Ownership Certificate".

4. The repayment must be over one year, and the default of the repayment records of the last 24 installments of the original commercial loan shows no more than two consecutive installments or four cumulative installments.

Required information:

1. The repayment details of the last 24 installments issued by the original lending bank, if not more than 24 installments, provide all repayment records (including monthly repayment details, default interest, compound interest, etc. ) and stamped with the bank seal;

2 copies of the original loan contract, mortgage contract and house purchase contract;

3. Two copies of the real estate license;

4. Two copies of husband and wife's ID card, household registration book and marriage certificate;

5. Divorced persons shall provide 2 divorce certificates (court civil mediation or judgment, with valid judgment served or issued by the court);

6. Two original income certificates issued by both husband and wife units (sealed by the competent department of wages);

7. The accounting department of the borrower's unit provides an eight-digit personal provident fund account number, such as "/10 xxxxxxxx".

Note: Keep a copy of the original inspection in items 2-7 above.

Treatment process

1. Two statements are issued by the original lending bank, stamped with the bank seal, and then taken to the window of the provident fund hall for review.

2. After approval, go to Zheng Xin to guarantee the relevant procedures (evaluation, guarantee, mortgage, etc.). ).

3. Finally, go to the provident fund hall to handle the relevant loan procedures (sign the loan contract).