Current location - Loan Platform Complete Network - Bank loan - How to handle the change after the loan is issued?
How to handle the change after the loan is issued?
Answer: 1. After the change of provident fund loan, the business includes: borrower change, mortgagor change, purchased house (collateral) change, guarantee method change, loan term extension, repayment account change and early repayment.

2. Only when the borrower's loan is in the normal repayment state can he apply for business change (except the change of repayment account). When the borrower applies for changing business, if it is in loans overdue, the loan business department can only accept its application for changing business after paying off the principal and interest of the loan and the penalty interest during the overdue period.

3. If the borrower (or mortgagor) of provident fund loan changes due to divorce, death and other reasons, he/she may go through the formalities for the change of the borrower (or mortgagor) at the loan business department with relevant supporting materials.

4. When the borrower applies to change the purchased house (collateral), it must meet the following conditions at the same time:

(1) The original real estate license has not been processed and the changed house sales contract can be put on record for pre-sale;

(2) The changed seller must be consistent with the original seller;

(3) After the change, the loan amount and service life are not allowed to be changed. If the total housing price increases after the change, the loan amount will not be increased, and the difference will be made up by the borrower; If the total price of the house is reduced after the change, resulting in the original loan balance exceeding the maximum mortgage value of the house after the change, the difference shall be regarded as part of the borrower's prepayment, and the borrower shall go through the prepayment procedures.

5. If the borrower cannot repay the loan principal and interest in full monthly for the following reasons, he may apply to the provident fund loan business department for extending the loan term.

(1) The borrower is unemployed;

(2) The borrower himself and his immediate family members are seriously ill and seriously injured, and the borrower needs to pay huge medical expenses;

(3) The borrower's income dropped sharply.

The sum of the extended remaining loan period and the borrower's age shall not exceed 70, and the remaining loan period indicated in the evaluation report shall be more than three years after the extension.

6. If the issuing bank of the provident fund loan is China Construction Bank, and the borrower needs to change the repayment account due to the loss or damage of the repayment card or passbook or the change of the borrower, he can go directly to the handling bank to go through the formalities for changing the repayment account.

7. If the banks issuing provident fund loans are China Bank, Agricultural Bank, Bank of Communications and Industrial and Commercial Bank, and the borrower needs to change the repayment account due to the loss or damage of the repayment card or passbook or the change of the borrower, he must first go to the handling bank to re-apply for the corresponding repayment card or passbook (the card or passbook must meet the deduction requirements of the handling bank).

8. If the borrower applies for partial repayment in advance and shortens the loan term at the same time, the monthly repayment amount after shortening the loan term shall not exceed the original monthly repayment amount.