You can handle the transfer of corporate business.

Conditions for transferring commercial loans to provident fund loans:

1, pay the housing accumulation fund normally in the local area;

2. The loan business only accepts the application of the borrower or spouse of the original housing loan;

3. The applicant needs to confirm with the bank that his house purchase loan has not been settled, and at the same time apply to the bank for early settlement of the loan;

4. The applicant must guarantee to repay the original commercial housing purchase loan for more than half a year (inclusive), with a good credit record and no overdue behavior;

5. When the applicant handles the transfer, ensure that the purchased property has obtained the house ownership certificate issued by the local real estate registration department, and the applicant has not applied for a housing provident fund loan before;

6. The amount of the business-to-public loan applied for should be within the maximum loan amount of the housing provident fund loan and the balance of the original commercial housing loan announced by the local housing provident fund management committee before it can be accepted.

If the above conditions are met, the buyer can apply to the commercial bank with ID card, household registration book, marriage certificate, real estate and land certificate, and then find the designated guarantee company to pay the relevant fees after the approval. With the payment slip, guarantee and deposit certificate of the provident fund, he can sign the contract of transferring commercial loans to the provident fund at the counter of the commercial bank.

If the loanable amount of the provident fund is lower than the outstanding commercial loans, it is necessary to apply for commercial loans and provident fund portfolio loans.

Information required for commercial loans plus provident fund loans:

1, loan application form;

2. ID card and 3 copies of ID card;

3. Original and photocopy of the household registration book (home page and personal page are required for collective accounts);

4. Original and photocopy of the whole house sales contract (2 copies);

5. Application for registration of ownership transfer (provided by the developer);

6 copies of advance payment receipt (2 copies);

7. Private seal (one for each married couple);

8. Personal wage income certificate (format paper provided by the developer, confirmed and sealed by the company);

9. Contact list of portfolio loan and its copy (1 copy);

10, commercial loan contract;

1 1. Sixth copy of maintenance fund receipt.

Application process:

Personal housing portfolio loan refers to a commercial housing loan that an individual applies to a bank when the housing provident fund loan is insufficient to cover the cost of buying a house. Apply for individual housing portfolio loans, must comply with the provisions of the housing provident fund management department on provident fund loans and commercial housing loans.

To apply for a personal housing portfolio loan, the borrower should first apply to a commercial bank and provide relevant certification materials;

Commercial banks apply for provident fund loans from provident fund trustee banks on behalf of borrowers on the basis of relevant supporting materials of payers;

Upon examination, the entrusted bank of the provident fund promises the borrower the loanable amount and term of the provident fund loan in writing, and informs the commercial bank at the same time;

After examination, the commercial bank promised the borrower the amount and duration of commercial loans in writing.

When signing a personal housing loan contract, the loan bank will transfer the loan amount to the account opened by the selling unit in the bank according to the time stipulated in the loan contract.

2. When can Nanning Housing Provident Fund Industrial Bank turn public?

202 1 year

According to Baidu Encyclopedia, on February 3, 20021year, Guangxi District Direct Provident Fund officially issued a notice about Huaxia Bank, Industrial Bank, Guangfa Bank, Guilin Bank, Postal Savings Bank and Liuzhou Bank.

3. Can Nantong Industrial Bank turn from business to public?

The Industrial Bank in Nantong can handle the business of transferring households. Business to public means that housing loans are changed from commercial loans to provident fund loans. As long as the application conditions meet the requirements and the information is complete, Nantong Industrial Bank can handle it completely.

4. Can the commercial loans of Industrial Bank be converted into provident fund loans?

Can commercial loans for house purchase be converted into provident fund loans?