1. Can Guangzhou convert commercial loans into provident fund loans?
Yes, Guangzhou commercial loans can be converted into provident fund loans. ;According to the regulations of the Housing and Urban-Rural Development Committee, if a commercial loan is converted into a provident fund loan, the borrower should meet the following seven conditions at the same time:; Meet the city's housing provident fund loan application conditions;; The borrower must be the borrower or spouse of the original housing loan (need to be the purchaser) Person);; The original commercial house purchase loan has not been settled and the bank agrees to the borrower to settle the loan in advance;; The original commercial house purchase loan has been repaid for more than one year (inclusive), the credit record is good and there is no overdue loan balance;; The purchased property Have obtained the house ownership certificate issued by the local real estate registration department and it is a steel-concrete structure; commercial loans that can be mortgaged on the purchased property can be converted into provident fund loans; and have not applied for housing provident fund loans. ; Materials required for the conditions for converting a commercial loan to a provident fund loan (all materials must be provided in original form):; Original house purchase contract; ID cards, household registers and marriage status certificates of both spouses; Original house purchase invoice issued by the tax department; "House Ownership" Originals of Warrants and Land Certificates; Original marriage certificate or single certificate (single certificate stamped with the official administrative seal of the unit); Original bank settlement certificate and repayment voucher; Original loan contract signed with the bank.
2. Whether commercial loans can be converted into provident fund loans in Guangzhou
Commercial loans can be converted into housing provident fund loans
To convert commercial loans into provident fund loans, the borrower should At the same time, the following 7 conditions are met:
Eligible for housing provident fund loans in this city
The borrower must be the borrower or spouse of the original housing loan (need to be the buyer);
Original commercial house purchase loan with outstanding loan;
Originally commercial) or above, good credit record and no overdue loan balance;
The purchased property has obtained local real estate The registration department will issue a structure;
The commercial loan that can be mortgaged on the purchased property can be transferred to the provident fund
If you have not applied for a housing provident fund loan.
Documents required for converting commercial loan to provident fund loan (all documents must be original):
Original house purchase contract
House purchase issued by the tax department
p>Original "House Ownership Certificate" and "Land Certificate";
Original ID cards of both spouses (more than one year from expiry date);
Original marriage certificate or Original certificate of single status (official seal);
Original household register;
Original bank settlement certificate and repayment voucher;
"Loan Contract" signed with the bank Original.
3. Can commercial loans be converted into provident fund loans in Guangzhou now?
If the housing commercial loan is processed through our bank, it is not supported to be converted into provident fund loans.
4. Can commercial loans in Guangzhou be converted into provident fund loans?
There are two ways to convert commercial loans into provident fund loans. One is to repay first and then take out the loan. The lender will pay off the loan first. Commercial loan; the other is loan-to-loan, where the lender has to pay off the balance of the principal and interest balance of the commercial loan greater than the commercial-to-public loan in advance.