Tianjin commercial loans can be converted into provident fund loans.

Commercial loans can be converted into housing provident fund loans.

When a commercial loan is converted into a provident fund loan, the borrower shall meet the following conditions:

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

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

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

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

The purchased property has 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 for the purchased real estate can be converted into provident fund loans;

Never applied for a housing provident fund loan.

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

Original purchase contract;

Original purchase invoice issued by the tax department;

Original Property Ownership Certificate and Land Certificate;

Original ID cards of both husband and wife (valid for more than one year);

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

Original household registration book;

Original bank settlement voucher and repayment voucher;

Original loan contract signed with the bank.

2. Can Tianjin commercial loans be converted into provident fund loans?

Commercial loans in Tianjin can be converted into provident fund loans, but there are a series of procedures for transferring provident fund loans, including obtaining the approval of the loan qualification examination of the provident fund loan office. First of all, you should be allowed to transfer to provident fund loans, then your commercial loans have been paid for more than one year and are not overdue, and the loan policy of the third commercial bank is also allowed or supported. Provident fund loans refer to individual housing provident fund loans, which are issued by local housing provident fund management centers. With the housing provident fund paid by employees who apply for provident fund loans, commercial banks are entrusted to provide mortgage loans to housing provident fund depositors who purchase, build, renovate or overhaul their own houses and retired employees who pay housing provident fund during their working life. According to the regulations, employees who have paid housing provident fund for a certain number of years or more (the number of years varies from city to city, such as 12 months or more in Changsha) can apply for provident fund loans when the funds for purchasing, building, renovating or overhauling their own houses are insufficient. The loan conditions are: the employees of the unit have signed labor contracts for more than three years (or signed 1 year labor contracts for three consecutive years); Normal continuous monthly housing provident fund deposit exceeds a certain period; Not exceeding the statutory retirement age; The borrower has a stable economic income and the ability to repay the principal and interest; The borrower agrees to handle the mortgage registration and insurance; Provide the guarantee method agreed by the local housing provident fund management center and its sub-centers; At the same time, submit relevant documents required by the bank, such as house purchase contract or house pre-sale contract, real estate license, land use certificate, deposit certificate of provident fund, etc. Most cities have stipulated the maximum amount of a single housing provident fund loan. For example, the maximum amount of a single housing provident fund loan in Chengdu is 600,000 yuan; The maximum amount of Guangzhou housing provident fund loans is 500,000 yuan for individuals and 800,000 yuan for two or more applicants. Secondly, the maximum loan amount of housing provident fund does not exceed 70% of the total purchase price; When applying for provident fund loan, the monthly repayment amount/monthly income should not exceed 50% (including the sum of the monthly repayment amount of existing liabilities and current liabilities). The loan period of housing provident fund is 1-30 years, and the longest period shall not exceed the time when the borrower is away from the statutory retirement age; On the basis of considering their repayment ability, employees approaching retirement age can appropriately relax the loan period 1-3 years.

3. Can Tianjin commercial loans be converted into provident fund loans?

Hello, you can't. All commercial loans cannot change the nature of loans. When you apply for a loan, that is, mortgage, mortgage or mortgage accumulation fund. It's impossible to turn again. It is said that there is a loan from Mo Long, which can be used to repay commercial loans, and then you reduced the loan from Mo Long, just listening to advertisements, and I don't know how. I hope I can help you.

4. Can Tianjin change its business?

Commercial loans can be converted into provident fund loans, but the following conditions must be met:

1. When the borrower applies for a loan at the place where the provident fund loan is applied, the provident fund is in a normal deposit state;

2, the applicant or * * * and the applicant's unit in accordance with the provisions for the borrower to pay housing provident fund for more than 6 months;

3. The applicant has a stable economic income and the ability to repay the loan;

4. The applicant agrees to provide the approved loan guarantee method;

5. The applicant and * * * together with the applicant, including the spouse, have no outstanding loans or other debts except the loan transferred to the provident fund;

6. The "Property Ownership Certificate" or "Housing Advance Notice Registration Certificate" involving provident fund loans in commercial loans has been completed and mortgage registration procedures can be handled;

7. The normal repayment period of commercial loans is more than years and there is no record of overdue repayment;

8. Portfolio loans cannot be converted from commercial loans to provident fund loans;

9, commercial loans to provident fund loans can only apply for pure provident fund loans.