Now the divorce rate is getting higher and higher. For couples preparing for divorce, the most important thing is the division of children and property, and real estate is the hottest topic in the division of divorce property, especially the house that is still repaying the loan. After divorce, the lender needs to be replaced. What materials do you need to change the provident fund loan after divorce? Now the divorce rate is getting higher and higher. For couples preparing for divorce, the most important thing is the division of children and property, and real estate is the hottest topic in the division of divorce property, especially the house that is still repaying the loan. After divorce, the lender needs to be replaced. What materials do you need to change the provident fund loan after divorce? What is the procedure for the change of provident fund loan after divorce?

What materials do you need to change the provident fund loan after divorce?

Applicants who meet the application conditions for changing the borrower shall apply to the original loan bank with the following application materials.

1. Personal basic information: If the original borrower is divorced, provide the divorce agreement and four copies of the judgment of the court or the seal of the civil affairs department; A notarial certificate or court judgment or conciliation statement certifying the applicant's right to transfer property, or an agreement stamped with the seal of the civil affairs department, and four copies thereof.

2. Applicant information: four copies of the applicant's ID card; Two copies of the applicant's residence booklet or temporary residence permit in this Municipality; The applicant's housing provident fund dragon card; The applicant's name stamp in block letters.

3. Loan information: the applicant provides the original loan contract.

4. Credit investigation: The applicant and other persons should sign a statement in person at the loan bank agreeing to inquire about the personal credit report and housing provident fund in duplicate.

5. Guarantee information: If the original loan contract is in the form of guarantee, the applicant shall provide the original mortgage contract.

6. Other information required by the municipal provident fund management department and the loan bank.

What are the procedures for the change of provident fund loans after divorce?

For those who have already handled the property right certificate:

1. First, we should raise funds to pay off the remaining provident fund loans and take out the mortgaged real estate license;

2. Secondly, change the real estate license from the divorce judgment or divorce agreement to the name of the party to the real estate transaction;

3. The party who later owns the property can apply for a loan from the provident fund management department with the divorce judgment or divorce agreement.

If the property right certificate is still in the mortgage period, the property right change formalities shall be handled in consultation with the development enterprise. The first purpose of this is to solve the problem of housing property ownership; The second is the borrower or borrower before thawing, and he has nothing to do with this house and loan in the future.

How to repay the common loan housing provident fund depends on the attitude of both husband and wife to housing rights: if both of you claim that the house belongs to you, do you want to bid? The highest bidder gets the housing right and repays the provident fund loan.

What materials are needed for the change of provident fund loan after divorce? Although divorced, two people who used to be husband and wife and were so close can negotiate when dividing property, and everything should focus on the interests of both sides.