Application conditions:
1. The applicant or spouse has applied for commercial housing mortgage loan (excluding housing provident fund portfolio loan) to purchase self-occupied housing within the administrative area of this Municipality, and the loan has not been settled;
2. The applicant and the participant in calculating the loanable amount of the business loan have paid the housing provident fund in full and on time in this city for 6 months before the month of application, and they are in a normal payment state at the time of application;
3. The applicant, * * and the applicant have no housing provident fund loans or have paid off the housing provident fund loans in this city; If both or one of the applicant's parents is the same applicant, both parents have no housing provident fund loan or have paid off the housing provident fund loan in this city;
4. The applicant's application for early repayment of part or all of the original commercial housing mortgage loan has been approved by the original commercial housing mortgage loan bank;
5. The applicant or spouse is the right holder of the applicant's housing loan;
6. The applicant and the * * who participated in the calculation of the loanable amount of the company's loan have the ability to repay the principal and interest of the loan together with the applicant, and there is no loans overdue record in the first six months of the application month, and they meet the credit status standards stipulated by the provident fund center;
7. The applicant agrees to provide a guarantee (mortgage or pledge) that conforms to the Interim Provisions of Shenzhen Municipality on Transferring Commercial Housing Mortgage Loan to Housing Provident Fund Loan (hereinafter referred to as the Provisions on Transferring Commercial Housing Mortgage Loan to Public Loan);
8. The loan application meets the requirements of national, provincial and municipal real estate market management policies. In case of policy adjustment during the loan processing period, the time when the Provident Fund Center accepts the application for transferring the business loan to the public shall prevail, except that the national, provincial and municipal real estate market management policies have clearly stipulated it.
Required information:
1. Valid identity certificate (2 xeroxes, original inspection);
2. Marriage certificate (original and 1 copy);
3. The original house sales contract (copy with bank seal);
4. The real estate license of the original purchased house (if the original purchased house is policy-oriented housing and affordable housing, and the real estate license has been handled, provide this information; This material is not needed for those who have not applied for real estate license; The original purchased house is a newly-built commercial house, and the real estate license has not been obtained. If the mortgage guarantee is provided by other self-owned houses or third-party mortgaged houses, it is unnecessary to provide this material) (copy stamped with the bank seal);
5. Original loan contract and mortgage contract. If the original loan is a commercial housing mortgage credit line, the loan contract or other certification materials of the issuing bank that can prove the purpose of a single mortgage payment in this line must be provided (1 original inspection);
6. Original loan payment voucher (loan receipt, etc.). ) (1 original inspection);
7. Loan repayment details and original repayment plan (each 1 original, including at least the latest 12 records);
8. To provide mortgage guarantee for my other commercial houses or commercial houses for which a third party has obtained the real estate license within the administrative area of this Municipality, I need to provide a copy of the real estate license of the mortgaged property, the valid identity certificate of the mortgagee (the marriage certificate and valid identity certificate of the mortgagee's married spouse), and the mortgage property inquiry form issued by the designated appraisal company within 30 days or the appraisal report within the validity period (if the real estate inquiry form is provided at the time of application, the original appraisal report shall be supplemented before lending);
9. If the owner of the original house contains minors, he/she must provide notarized guardian certificate or household registration book that can prove the relationship, and at the same time, he/she must provide the identity certificate of the minor (original and 1 copy);
10. Property right inquiry certificate (original) of the family members of the owner of the house purchased by the original commercial housing mortgage loan within 30 days and computer inquiry result table (original) of the property right information of the house purchased by the original commercial housing mortgage loan. The original purchase of housing for affordable housing, provide the Shenzhen Housing Construction Bureau policy housing information query results table, do not provide property information computer query results table;
1 1. repayment account (debit card or passbook opened by the owner of the house purchased by the original commercial housing mortgage loan in the entrusted bank, 1 copy and check the original);
12. If the parents of the principal applicant and the applicant are the same person, the household registration book (1 original inspection) that can prove their relationship, or the certificate of immediate family members (original) issued by the public security department or notary office;
13. Other required information.
Processing flow:
Special instructions:
1. Please provide complete application materials at one time when handling business.
2. All the housing provident fund loan acceptance outlets designated by the entrusted bank can be handled. Please pre-select the entrusted banks for provident fund loans, and check the designated provident fund loan acceptance outlets of the entrusted banks on the portal website of the Provident Fund Center, and then pre-declare and make an appointment for loan information. The service hall of the management department of the provident fund center and the non-loan business outlets of the entrusted banks do not accept such business.
3. The time and place of face-to-face contract signing shall be notified and handled by the entrusted bank selected by the loan applicant.
4. Once the entrusted bank is selected, it shall not be changed at will. If the mortgage guarantee is provided by its own other property or the mortgaged property of a third party, after approval, the loan applicant shall not reissue the inquiry form and evaluation report in the same entrusted bank change evaluation company.
5. After the provident fund loan is issued, the original lending bank may deduct part of the amount to offset the interest payable on the original loan.
6. If the loan applicant has applied for the maximum mortgage loan for the original purchase of housing, only one housing mortgage loan is allowed under the original commercial housing mortgage loan amount when the applicant turns to public loan.
7. Within 90 days from the date of completion of the examination and approval, it is not allowed to apply for a loan again for the same collateral. If the contract is not signed within 0/20 days after the loan is approved, it is necessary to reapply for loan approval according to the conditions at the time of reapplication. If there is no loan within 180 days after the loan is approved, the approval result is invalid.
8. If other self-owned or third-party properties are used to provide mortgage guarantee, or the originally purchased houses are mortgaged in turn, the provident fund loan will be paid directly to the original loan account, and the remaining loan principal will be deducted from the principal for about 6 months.
9. Employees should carefully fill in and understand the contents of the prepayment commitment letter, and be responsible for the promised items, so as not to cause the loan funds to be returned by the other bank. If the promise is not fulfilled, it is necessary to cancel the provident fund loan and apply again.
10. If the employee is married, the spouse must be present at the same time to apply for a loan. If one or both parents participate in the quota calculation, both parents must be present to apply for a loan.
1 1. If the mortgage guarantee is provided by other property owned by the owner or a third party, the spouse of the owner of the mortgaged property must be present at the same time.
12. If the originally purchased house is mortgaged in the first place, the original loan bank is not the trustee bank for provident fund loans, and the original loan bank and the provident fund center need to sign the Agreement on Handling Commercial Housing Mortgage Loan to Housing Provident Fund Loan in Shenzhen, and cooperate with the provident fund center and the trustee bank of the provident fund center to handle the second mortgage registration and other related work.
13. If the policy housing and affordable housing are applying for real estate licenses, they must complete the real estate licenses first, and then apply for a business loan.
14. Employees must go to the branch of the entrusted bank to handle business-to-business loans with appointment vouchers such as SMS or paper receipt. If an appointment voucher cannot be provided at the time of application, the entrusted bank will not accept it.
15. If the housing provident fund policy changes, the new policy shall prevail.
16. The approval of commercial loans in provident fund portfolio loans shall be implemented in accordance with the credit policies of banks.