1. The applicant and the co-applicant (including their spouses) apply to the Central Management Department for transfer to the provident fund loan with the following materials:
(1) Original and photocopy of ID cards of the applicant and co-applicant (including spouse) (copy on A4 paper)
(two) the original and photocopy of the household registration book.
(3) The original and photocopy of the marriage certificate (singles need to provide the original marriage information certificate issued by the civil affairs department where the household registration is located, valid for 1 month).
(4) Copy of "Property Ownership Certificate" or "House Advance Notice Registration Certificate"
(5) Original and photocopy of deed tax certificate
(6) The original and photocopy of the loan contract of the original commercial bank
(7) Original and photocopy of the repayment plan (the original should be stamped with the bank seal and indicate the remaining principal amount of the loan).
(8) If the house purchased by commercial loan is a commercial house, provide the original commercial house sales contract or a copy after file search.
(9) If the house purchased by commercial loan is a second-hand house, the original house evaluation report shall be provided.
(10) The original and photocopy of the state-owned land certificate shall be provided for the real estate outside the five districts of the city. If the land certificate is not issued, the original and photocopy of the receipt shall be used to apply for the land certificate at the Land Bureau.
2. Each management department of the Center shall review the credit status, loan qualification and materials of the applicant and the co-applicant, confirm the loan amount and loan term, and guide the applicant to fill in the Approval Form for Transferring Provident Fund Loan, and report it to the Loan Office for authorization after verification.
3. The receiver will input the relevant information into the information in the table. After approval, the system will output the contract text, loan receipt and entrusted deduction agreement.
4. Signature: The applicant and the co-applicant sign the above text and the Statement on Loan Transfer to Provident Fund after handling the bank repayment card (discount).
5. Handling the guarantee procedures: the applicant and the co-applicant go to the guarantee company window to handle the guarantee procedures.
6. The guarantee company shall affix its seal on the loan contract and assume the guarantee responsibility. After reviewing the guarantee materials, the management department entrusts the bank to transfer the loan to the account designated by the guarantee company.
7. The guarantee company is responsible for supervising the loan repayment of the remaining principal of the applicant's commercial housing loan (the insufficient part is raised by the applicant), and handling the mortgage cancellation and re-mortgage procedures. After the mortgage is completed, submit a copy of the mortgage procedures and loan repayment certificate to the management department.
8. Repayment method: The borrower shall deposit the principal and interest of the loan due in the current month into the bank card (discount) or repay the loan at the opening bank window within the time limit agreed in the entrusted deduction agreement every month until the loan is fully paid off.
Time limit for processing: According to the provisions of Article 8 of the Opinions on Handling Personal Provident Fund Loans on July 22, 2008, the Housing Provident Fund Center accepts and lends money for a total of 5 working days. The processing time limit of the guarantee and mortgage period is expected to be 25 effective working days. After completing the guarantee and mortgage procedures within the agreed time limit, the management department will check the receipt and loan materials, and entrust the bank to transfer the loan to the account designated by the guarantee company.
At present, the housing provident fund management departments in all districts are accepting this business, and the business has successfully handled more than 200 loans.
Application conditions for transfer of provident fund loans:
1. Employees who work in Shenyang and pay housing provident fund in the center.
2. Before applying for a loan, the unit where the applicant or co-applicant works has paid housing provident fund for employees for more than 6 months (including 6 months) according to regulations.
3. The applicant has a stable economic income and the ability to repay the loan.
4. The applicant agrees to provide the loan guarantee method approved by the Center.
5. The applicant and co-applicants (including spouses) have no outstanding loans or other debts except the loans transferred to the provident fund.
6. The transfer of provident fund loans involved in the "house ownership certificate" or "house pre-registration certificate" has been completed, and mortgage registration procedures can be handled.
7. The original commercial loan has been repaid normally for more than 1 year (including 1 year) and there is no record of overdue repayment.
8. The original portfolio loan cannot be applied for transferring to provident fund loan.
9. Only pure provident fund loans can be applied for transfer to provident fund loans.
As long as you meet the above conditions, you can apply to transfer commercial loans to provident fund loans.