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The process of transferring Tianjin commercial loans to provident fund loans is divided into the following two situations, as follows:
I. Self-raised funds:
1. The borrower applies to the local provident fund management center and submits relevant materials;
2 provident fund management center to review the borrower's conditions and issue a "confirmation form for transferring provident fund loans";
3. The borrower pays off the debts owed by the commercial loan bank and goes through the formalities for cancellation of real estate mortgage;
4. The borrower handles the provident fund loan procedures and simultaneously handles the loan guarantee and real estate mortgage;
5. The provident fund management center entrusts the bank to lend money to the borrower's account;
6. The borrower repays the loan on a monthly basis.
2. Custody company or guarantee company:
1. The borrower applies to the local provident fund management center and submits relevant materials;
2 provident fund management center to review the borrower's conditions and issue the "transfer to provident fund loan application approval form";
3. The borrower goes through the formalities of provident fund loan, and at the same time handles loan guarantee and real estate mortgage;
4. The guarantee company signs the loan contract and seals it;
5. The provident fund management center will issue the loan to the account designated by the guarantee company;
6. Guarantee companies are responsible for supervising the settlement of loans owed by commercial banks;
7. The guarantee company handles the cancellation and re-mortgage procedures of real estate mortgage;
8. The borrower repays the loan on a monthly basis.
When a commercial loan is converted into a provident fund loan, the borrower shall meet the following 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.
8. Materials required for the conditions of transferring commercial loans to provident fund loans (all materials must be provided in originals): the 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.