Information required for transferring commercial loans to provident fund

1, ID card, household registration book and marriage certificate of both husband and wife.

2. Property certificate, loan contract and repayment card

3. Purchase Invoice (2)

4. Purchase contract

5. Deed tax invoice

6. The running water of both husband and wife (for nearly half a year, the monthly income is twice the monthly payment)

7. The most important thing is that both husband and wife have good credit information. (Make a good credit report in advance) If there is a problem, you can't transfer it, and the business transfer card is particularly strict.

Treatment process

1, prepare the required information.

2. Apply to the loan bank for disclosure.

3. Wait for the bank to inform the processing time.

Step 4 deal with it formally

5. Repayment

Two, Nanning commercial loans can be transferred to housing provident fund loans.

Direct transfer should be impossible. . But it can be transferred indirectly.

First find a guarantee institution or a loan to cancel the mortgage, and then turn the mortgaged house into a provident fund loan.

3. How does Nanning convert commercial loans into provident fund loans?

1, in line with the housing provident fund loan conditions;

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

3. The original commercial housing 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 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 converted into provident fund loans;

7, did not apply for housing provident fund loans.

Extended information 1. To apply for a housing provident fund loan, the borrower shall submit a written application to the bank, fill in the housing provident fund loan application form and truthfully provide the following information:

(a) the applicant and spouse housing provident fund deposit certificate;

(2) the identity certificate of the applicant and spouse (referring to the valid residence certificate such as resident ID card and household registration book) and the proof of marital status;

(3) proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;

(four) the purchase of housing contracts, agreements and other valid documents;

(5) List of collateral, pledge, certificate of ownership, certificate of consent of the authorized person to mortgage and pledge, and certificate of collateral valuation issued by relevant departments;

(VI) The Provident Fund Center requires a third-party guarantor to provide a guarantee and pay the guarantee fee, and the borrower, the lender and the third-party guarantor * * * sign a tripartite contract.

(seven) other information required by the provident fund center.

2. For the loan application with complete information, the bank will accept the review in time and submit it to the provident fund center in time.

3, provident fund center is responsible for the examination and approval of loans, and timely notify the bank of the examination and approval results.

4. The bank shall notify the applicant to handle the loan formalities according to the examination and approval results of the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for review. After the approval of the provident fund center, the entrusted funds will be allocated, and the entrusted bank will issue loans in full and on time according to the loan contract.

5. If the house is secured by mortgage, the borrower shall go through the mortgage registration formalities at the real estate management department where the house is located. If the mortgage contract or agreement is signed by both husband and wife and pledged by securities, the borrower shall hand over the securities to the management department or the joint center for safekeeping.