first of all, the loan applicant must meet the conditions of provident fund loan. The provident fund account has been opened on time and in full for more than one year. The account is in a normal state and the house ownership certificate has been completed. The following conditions must also be met: a loan transferred to provident fund should have been repaid for more than one year. B loan transferred to provident fund should have no bad repayment record. B loan transferred to provident fund should be approved by the original loan bank. The part of the original loan balance that exceeds the loan amount transferred to provident fund should be borrowed by new borrowers or borrowers. Self-raised and used together with the loan transferred to provident fund to repay the original loan principal and interest in advance

Changchun requires that the purchased house must be an existing house, and the provident fund loan can only be obtained after the original commercial bank agrees to remortgage the collateral

Lianyungang loan conditions, borrowers and * * * The same borrower must have good credit, no bad credit record, real house purchase behavior and other conditions for using the housing provident fund loan

One object in Changsha meets the requirements of the provident fund loan, and the amount of the transferred loan does not exceed the balance of the original commercial bank loan and does not exceed the prescribed limit of the housing provident fund loan. The applicant's family property does not exceed the personal housing loan in the commercial bank and the reputation is good. Set (including set) Other requirements for applying for housing provident fund loans

In addition to the provisions of Article 6, Jinan's application for transferring to provident fund loans must meet the following conditions: transferring to provident fund loans must be handled at the original housing loan commercial bank hereinafter referred to as the loan bank. The repayment time of the applicant's personal housing loan has reached the minimum repayment time stipulated by the loan bank and there is no bad repayment record to purchase the property. The Property Ownership Certificate of the house involved in the mortgage-transferred provident fund loan has been handled and meets the conditions for housing mortgage registration or the borrower agrees to use other properties as collateral for the mortgage-transferred provident fund loan. Article 8 The loan amount transferred to provident fund shall meet the following conditions in addition to the provisions of the Measures for the Administration of Personal Housing Provident Fund Loan in Jinan and its Operating Rules. The loan amount transferred to provident fund loan shall not exceed the original transaction price of the house and the house evaluation. The loan amount for transferring 8% of the value to the provident fund loan shall not exceed the remaining loan principal of the original individual housing loan. Article 9 The term of transferring to the provident fund loan shall be subject to the provisions of the Measures for the Administration of Personal Housing Provident Fund Loan in Jinan City and its Code of Practice. Article 1 The interest rate of transferring to the provident fund loan shall be subject to the relevant provisions of the People's Bank of China and adjusted with the adjustment of the interest rate of the People's Bank of China.

Where there is a scope for transferring to Wuhan, Wuhan urban hukou, including blue-printed hukou or temporary residence permit, normally deposits housing provident fund. Employees with full capacity for civil conduct have good personal credit, stable jobs and incomes. Borrowers who have applied for commercial housing loans and repaid the loan principal and interest on time can apply for transferring commercial loans to provident fund loans. Employees who have applied for housing portfolio loans and have withdrawn housing provident fund when buying houses will no longer apply for transferring provident fund loans. The original commercial loans must be the reserve entrusted by the municipal housing reform fund center. Gold loan bank outlets handle non-provident fund loans. Housing commercial loans issued by the trustee bank to individuals cannot be transferred to provident fund loans. The borrower of the original commercial loan and the borrower of the original commercial loan must be the same person. The original commercial loan has been repaid normally for more than one year and there is no overdue repayment record provided by the loan bank. If the housing provident fund is withdrawn from the purchase of a house, it must continue to be deposited normally from the date of withdrawal. If the housing provident fund loan is transferred for more than one year, it must be obtained. The house approved by the original commercial loan bank to be transferred to the provident fund loan must be a residential development project registered in the municipal housing reform fund center. If the Property Ownership Certificate and the State-owned Land Use Right Certificate have not been processed, the developer shall provide a phased guarantee or the Certificate of Commercial Housing Ownership, and the guarantee company recognized by the municipal fund center shall provide the guarantee amount, term, interest rate, loan amount and the amount of the loan transferred to the provident fund shall not be higher than the original commercial loan balance, and the amount shall be more than 1, yuan. Number and can not exceed the maximum amount of provident fund loans. The construction area of a single set of housing in the primary market is in square meters, including the interior construction area and the shared * * * The maximum proportion of loans transferred to provident fund within the construction area cannot exceed% of the total price of the original purchase contract of the house, and the maximum proportion of loans transferred to provident fund cannot exceed% of the total price of the original purchase contract of the house if the construction area of the house is not more than square meters. The specific loan amount of the borrower who transfers to provident fund loans is calculated according to the following formula: the sum of the monthly salary income of the borrower and the husband and wife who pay the housing provident fund is ×××××× loan. The difference between the approval amount of the loan with fixed number of years transferred to provident fund and the balance of the original commercial loan shall be settled by the lending borrower with his own funds. The term of the loan transferred to provident fund shall not exceed the remaining years of the original commercial loan, and shall not exceed the remaining years of the lending borrower from the legal retirement age. The lending rate shall be implemented according to the same interest rate standard for individual housing loans with the same term as stipulated by the People's Bank of China.