Legal analysis: the procedure of transferring provident fund companies to public funds;

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2. The loan business only accepts the application of the borrower or spouse of the original housing loan;

3. The applicant needs to settle the loan with the bank and apply to the bank for early settlement of the loan. Once the bank agrees, it can handle the next business;

4. The application amount is more than 1 year (inclusive), the credit is good, and there is no overdue behavior;

5. When the applicant turns to the public, ensure that the purchased property has obtained the house ownership certificate issued by the local real estate registration department and has been loaned by the housing provident fund;

6, the application in the local housing provident fund management committee announced the maximum loan amount of housing provident fund loans and the original balance of commercial housing loans, can be accepted. Implement the current loan interest rate of housing provident fund.

Legal basis: Article 15 of the Regulations on the Management of Housing Provident Fund in People's Republic of China (PRC), if a unit recruits employees, it shall go through the deposit registration at the housing provident fund management center within days, and go through the formalities for the establishment or transfer of the provident fund account with the audit documents of the housing provident fund management center. Departments and units shall, within 30 days from the date of termination of labor relations, go to the housing provident fund management center for change registration, and go to the entrusted bank for housing formalities with the audit documents of the housing provident fund management center.

Second, can Linyi commercial loans be converted into provident fund loans? How to go through the process?

Yes, but it's troublesome. Generally speaking, I have paid off the commercial loan with the first contribution. I am going to prepare a provident fund loan and go to the local provident fund loan center for consultation.

3. What is the process of Linyi City's business to public?

Linyi commercial loan to provident fund loan steps are as follows:

1. The original bank loan needs to be solved by itself, and the original property is mortgaged. After reapplying for a mortgage, the provident fund center will lend the money to the customer's deposit account.

2. After the deposit, another house of oneself or spouse or their immediate family members is used as collateral, and the provident fund center can make a loan, and the deposit will be refunded after the original loan is paid off. After the commercial loan is successfully transferred to the provident fund, the interest shall be calculated according to the loan interest rate of the provident fund.

Four, how to turn housing commercial loans into provident fund loans?

First, you need to apply to a commercial loan bank. Then get the "personal housing announcement fund lending folder", fill it out and submit it to the commercial loan bank. The following materials shall also be submitted at the same time: the identity certificate of the lender, the original and photocopy of the household registration book; Original and photocopy of marital status certificate; Original and photocopy of real estate license and state-owned land use certificate; The original "Housing Mortgage Loan Contract" for commercial loans and the purchase contract; A housing appraisal report issued by a housing appraisal institution recognized by the provident fund management center; All property owners issue notarized written documents agreeing to mortgage; Materials required by other provident fund management centers and banks. Secondly, after submitting the materials, the bank will inquire about the personal credit report of the borrower and spouse. If it meets the requirements, the bank will conduct a preliminary examination in the provident fund system; After the first trial is passed, according to the requirements of the business of transferring to the public, the bank needs to inform the sub-lender to go through the guarantee formalities with the guarantee company with relevant materials, including at least the personal and spouse identity documents, household registration books, two sets of housing certificates and the loan approval information confirmation form issued by the bank. Third, this step is to sign a contract. After obtaining the letter of guarantee from the guarantee company, the business-to-public applicant signs a loan contract and a mortgage contract with the provident fund management center, and the commercial loan exceeding the upper limit of the provident fund loan needs to be supplemented with its own funds. Fourth, after the provident fund management center lends money, the guarantee company will help you cancel the commercial loan mortgage procedures and transfer to the provident fund loan mortgage registration. Conditions to be met 1. The borrower who transferred our provident fund loan and the borrower of the original commercial loan must be the same person, which means that you can't repay the loan by transferring the commercial loan to the provident fund in disguise. 2. The original commercial loan has been repaid normally for more than 65,438+0 years, and there is no record of overdue repayment provided by the lending bank. This time is not fixed, depending on what the original commercial loan bank requires. For example, it will take six months to build a bank, but it seems that HSBC will take three years. 3 transfer of provident fund loans must obtain the consent of the original commercial loan bank; 4. Has obtained the house ownership certificate (or house ownership certificate and state-owned land use certificate). Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans. 20 12 some cities relaxed the conditions of provident fund loans, among which the upper limit of housing provident fund loans in 9 counties of Linyi City, Shandong Province was raised from 200,000 yuan to 300,000 yuan from June 1. 20 14, 10 In June, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China issued a document, including relaxing the conditions of provident fund loans, promoting loans in different places, reducing intermediate costs, canceling the housing provident fund personal housing loan insurance, notarization, new house evaluation and compulsory institutional guarantee, and reducing the burden on loan workers. Among them, employees who have paid for 6 months can apply for provident fund loans (currently 12 months). On August 17 and 15, the Ministry of Housing and Urban-Rural Development jointly issued a notice saying that the down payment for purchasing a second home with provident fund loans will be cancelled by 20% from September 15 and 1 day.