Conditions of provident fund transfer loan
1. The sub-lender holds legal identity documents and has full capacity for civil conduct;
2. Agree to settle the balance of the original commercial loan in advance;
3. The original commercial loan has been repaid normally for more than 12 months, and the repayment is normal during the loan period. There is no overdue loan, and the original commercial loan issued by the lending bank is normal.
Repayment records and proof of loan balance;
4, a stable economic income and the ability to repay the loan principal and interest on time;
5. There are no outstanding provident fund loans and no other debts that affect the repayment ability of provident fund loans;
6. If there is real estate mortgage or securities pledge, the mortgage rate of mortgaged real estate shall not be higher than 70%, and the pledge rate of securities shall be100%;
7. The borrower of the original commercial loan is single and married when applying for the transfer to the provident fund loan. It is necessary to show that both husband and wife of the borrower agree that the property right of the house purchased by the original commercial loan is * * *.
Notarial certificate and * * * repayment statement;
8. If the original commercial loan borrower has divorced, and the court's judgment, ruling or divorce agreement makes it clear that the ownership of the house is no longer in the name of the original commercial loan borrower, it shall be operated by the original enterprise.
The borrower cannot apply for a loan to transfer to the provident fund;
9. If the buyers of the original commercial loan housing are parents and children (excluding many children), they can apply for a loan to transfer to the provident fund, but both parties must sign it.
Transfer the mortgage contract of provident fund loan, provide a statement that the owner of the house agrees to use the house as the mortgage of provident fund loan and it is the same as the repayment, and notarize it. parents
The identification of children's immediate family members shall be based on the household registration book, the certificate of the household registration jurisdiction department or other legally effective identification methods;
10, when the second-hand house is converted into a provident fund loan house (subject to the year of completion, the same below), the age of the house shall not exceed 20 years (including 20 years), and the sub-lender agrees to the management center.
A qualified housing appraisal agency conducts value appraisal.
Information required for loan
1. Original and photocopy of ID card, household registration book and marriage certificate of the sub-lender and its spouse (if the sub-lender is single, the single certificate shall be issued by the employer);
2. The original and photocopy of the loan contract for the house purchased by the original commercial loan;
3. The repayment record of the lender's original commercial loan issued by the original commercial loan bank and the proof of the balance and remaining term of the original commercial loan as of the date of applying for the transfer to the provident fund loan;
4. The original and photocopy of the property right certificate used for mortgaging real estate or securities used for pledge;
5. The appraisal report on the market value of mortgaged houses issued by the housing appraisal institution recognized by the management center;
6. A notarized statement of consent to mortgage issued by the owner of the house property;
7. Other materials required by the management center.
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