Commercial loans can be transferred to provident fund loans.

1. The borrower takes the above materials to the provident fund center, and after the preliminary examination by the staff of the center, entrusts the bank to issue a credit report. If the credit is good, it will enter the next step.

Two, fill in the "commercial housing loan to provident fund loan application approval form", the borrower to the original loan bank credit department seal, and transfer a copy of his warrants from the bank (with the official seal of the bank).

3. The borrower returns to the provident fund center with the "Re-loan Application Form" and a copy of other warrants. After the staff of the center pass the re-examination, the guarantee company issues a check, and the borrower takes the check to the original loan bank to pay off the loan balance.

Four, the borrower to the provident fund center to sign a loan contract, guarantee contract and pay the guarantee fee.

Related knowledge supplement:

First, the cost.

1. The capital occupation fee shall be collected by the guarantee company.

2. The guarantee fee shall be collected by the guarantee company. There are two ways to collect: those who pay off in advance will not be refunded: loan amount × loan term × 0.7 ‰; Pay off in advance and return in proportion: loan amount × loan term × 1‰.

Two, apply for "commercial loans to provident fund loans" borrowers should meet the conditions.

1. Meet the application conditions of housing provident fund loan in our city.

2. The borrower must be the borrower or spouse of the original housing loan (the buyer is required).

3. The original commercial housing loan has not been settled, and the bank agrees that the borrower will settle the loan in advance.

4. The original commercial housing loan has been repaid for more than one year (inclusive), with a good credit record and no overdue loan balance.

5. The purchased property has obtained the real estate license issued by the local real estate registration department, and it has a steel-concrete structure.

6. Commercial loans that can be mortgaged for the purchased property can be converted into provident fund loans.

7. Did not apply for housing provident fund loans.

Third, the application procedure.

1. The applicant submits an application to the municipal housing provident fund management center or the county and city management department (hereinafter referred to as the center) with the above information.

2. If the center meets the requirements after examination, it will issue a housing provident fund loan text.

3. The applicant shall prepare relevant materials as required and submit them to the center together with the completed loan text.

4. If the center approves the loan after the audit, it shall determine the loan amount, fixed number of years, interest rate and mortgage method, and issue the Notice of Personal Housing Entrusted Loan of Xuancheng Housing Provident Fund.

5. The applicant shall sign the housing provident fund loan contract and mortgage loan contract with the entrusted loan notice and related materials to the entrusted bank.

6. The applicant holds the housing provident fund loan contract and mortgage contract to the real estate management department for mortgage change registration or mortgage transfer registration.

7. The center will issue a transfer check with the housing provident fund loan contract and the mortgagee's change registration certificate to return the principal of the commercial personal housing loan owed by the applicant.

How to transfer commercial loans to provident fund loans?

There are two ways to transfer commercial loans to provident fund loans.

One is to repay the loan first, and the lender pays off the commercial loan first;

The other is loan-to-loan, and the lender should pay off the difference between the principal and interest balance of commercial loans and commercial loans in advance.

To apply for "commercial loan to provident fund loan", the borrower shall meet the following seven conditions at the same time:

1, which meets the application conditions for housing provident fund loans in our city;

2. The borrower must be the borrower or spouse of the original housing loan (as required by the buyer);

3. The original commercial house purchase loan has not been settled, and the bank agrees that the borrower will settle the loan in advance;

4, the original commercial housing loan repayment for more than one year (inclusive), good credit record and no overdue loan balance;

5. The purchased property has obtained the real estate license issued by the local real estate registration department, and it has a steel-concrete structure;

6. Commercial loans that can be mortgaged for the purchased real estate can be transferred to provident fund loans;

7, did not apply for housing provident fund loans.

Extended data:

Changing commercial loans into provident fund loans is actually a transfer of creditor's rights between commercial banks and provident fund centers. At this time, the creditor-debtor relationship between the borrower and the commercial bank is transformed into that between the borrower and the provident fund center, that is, the borrower repays the loan from the commercial bank to the provident fund center.

Commercial loans and provident fund loans are actually two fundamentally different loans, and they are different in many aspects, such as the subject and object of funds, interest rate review and guarantee, etc. Therefore, once the loan is issued, there are many problems in the transfer of creditor's rights, such as the way of loan guarantee.

Can commercial mortgage be converted into provident fund loan?

Yes, you can. When a commercial loan is converted into a provident fund loan, the borrower shall meet the following seven conditions:

1. Meet the application conditions for housing provident fund loans in this Municipality;

2. The borrower must be the borrower or spouse of the original housing loan (as required by the buyer);

3. The original commercial housing loan has not been settled, and the bank agrees that the borrower will settle the loan in advance;

4. The original commercial housing loan has been repaid for more than one year (inclusive), with a good credit record and no overdue loan balance;

5. The purchased property has obtained the real estate license issued by the local real estate registration department, and it has a steel-concrete structure;

6. Commercial loans that can be mortgaged for the purchased real estate can be transferred to provident fund loans;

7. Did not apply for housing provident fund loans.

Materials required for the conditions of transferring commercial loans to provident fund loans (all materials must be original):

1. Original house purchase contract;

2. The original purchase invoice issued by the tax department;

3. Original real estate license and land certificate;

4. The original ID cards of both husband and wife (valid for more than one year);

5. Original marriage certificate or single certificate (the single certificate is stamped with the official seal of the unit);

6. Original residence booklet;

7. Original bank settlement voucher and repayment voucher;

8. Original loan contract signed with the bank.

This concludes the introduction of whether commercial loans can be transferred to provident fund and whether Jinzhong commercial loans can be transferred to provident fund. I wonder if you have found the information you need?