1. The process of applying for provident fund loans is: 1) The borrower applies to the housing fund management (sub-) center where the housing provident fund is deposited by the unit, introduces himself and receives materials.

2) Prepare complete written materials and submit them to the housing fund management (sub-) center for review, including verifying the loan application form, whether the house purchase behavior is legal, verifying the loan amount and duration, and determining the loan guarantee method. Loans that need to be evaluated shall be evaluated by designated evaluation agencies.

3) After passing the preliminary examination, the housing fund management center will issue an investigation notice, and the entrusted bank will investigate the borrower and guide the borrower to fill in the relevant loan contract. The contents of the inspection include: verifying whether the person with guaranteed income and the guarantor are qualified to guarantee.

4) After passing the bank investigation, the entrusted bank will issue an investigation opinion and submit it to the housing fund management (sub-) center for approval.

5) After approval, the housing provident fund management (sub-) center will issue a notice of entrusted loan. The bank informs the borrower to go through the loan formalities.

6) After the loan contract comes into effect, the housing fund management (sub-) center will transfer the funds into the entrusted loan fund account, and then the entrusted bank will transfer the funds.

Developer account.

7) The borrower shall repay the loan on time in the prescribed way.

8) When the borrower pays off the principal and interest of the loan, the loan contract and related guarantees are dissolved and relevant documents are returned to the borrower (mortgagor or pledger).

2. The materials for applying for provident fund loans include: ① ID card, original and photocopy of household registration book and provident fund account number of the loan applicant, spouse, co-borrower and property owner. Minors need to provide one-child certificate or birth certificate. The above personnel must be present and carry their personal seals; (2) Marriage certificate of the loan applicant and the borrower: the original and photocopy of the marriage certificate or divorce certificate, and the unmarried person shall provide the unmarried certificate; (3) A down payment receipt voucher of not less than 20% of the house price; (4) The portfolio loan shall provide the borrower and the borrower's income certificate; ⑤ Original and photocopy of debit card supporting universal deposit and withdrawal function; ⑥ Copy of the auction house pre-sale permit or existing home production certificate; ⑦ Original pre-sale contract or existing home sales contract; (8) The business license, qualification certificate, copy of the ID card of the legal representative of the real estate developer and the collection account number of the real estate developer or agent.

2. Taiyuan 202 1 Policy of Converting Commercial Loans into Provident Fund Loans?

1. The applicant has good credit and no overdue behavior; 2, the original commercial housing loans in more than one year to repay; 2. Pay the housing accumulation fund normally in the local area; 3. The loan business needs to lend to the borrower or spouse who accepts the original housing lender; 4. The applicant should confirm to the bank that the house purchase loan has not been settled, and then apply to the bank for early settlement of the loan. If the bank agrees, it can handle the next business.

Third, how to transfer commercial loans to provident fund loans

1. With the purchase contract, ID card, housing provident fund savings magnetic card and seal, apply for housing provident fund loans to the real estate credit department of the corresponding bank in each district and county, and use the housing provident fund loans of both husband and wife, and also bring the marriage certificate or other proof of husband and wife relationship. 2. Fill in the application for individual housing provident fund loan and wait for the bank to review it. 3. After approval, the loan contract and mortgage contract shall be signed in the loan bank. The borrower goes to the property right department to handle the loan guarantee procedures. 4 for housing mortgage insurance procedures, the loan information together with the loan contract, mortgage contract, housing ownership certificate, mortgage certificate submitted to the loan bank for home insurance procedures. 5. Sign the repayment agreement and transfer money, and wait for the bank to transfer money. To apply for "commercial loan to provident fund loan", the borrower should meet the following seven conditions at the same time: 1, which meets the application conditions of housing provident fund loan in our city; 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. Notice on issues related to standardizing the housing provident fund individual housing loan policy. Housing provident fund personal housing loans can only be used to pay for the purchase, construction, renovation and overhaul of ordinary self-occupied housing for employees to support basic housing needs. It is strictly forbidden to use housing provident fund and personal housing loans for speculative purchase. The second is to maintain the continuity and stability of the policy of paying employees' families (including borrowers, spouses and minor children, the same below) to use housing provident fund personal housing loans to purchase the first set of ordinary self-occupied housing. Use the housing provident fund personal housing loan to purchase the first set of ordinary self-occupied housing. If the construction area of Xing Tao is less than 90 square meters (inclusive), the down payment ratio of the loan shall not be less than 20%; If the construction area of Xing Tao is over 90 square meters, the down payment ratio of the loan shall not be less than 30%. Third, the second set of housing provident fund personal housing loans are only issued to paid workers' families whose existing per capita housing construction area is lower than the local average level, and the loan purpose is limited to purchasing ordinary self-occupied housing to improve living conditions. The down payment ratio of the second housing provident fund personal housing loan shall not be less than 50%, and the loan interest rate shall not be less than 1. 1 times of the first housing provident fund personal housing loan interest rate in the same period. Four, stop the payment of housing provident fund personal housing loans to the families of paid workers who buy the third and above houses.

4. What is the latest policy of transferring Nanyang commercial loans to provident fund loans?

I. About the loan amount of housing provident fund

According to the development of the city's real estate market, combined with the comprehensive factors such as the age, wage income, repayment ability, credit status and housing purchase and construction of borrowers and spouses, the housing provident fund loans are subject to quota management, and the minimum loan amount is selected from the following five limits.

(1) Determine the loan limit according to the number of depositors.

The maximum loan for a single family who pays the housing provident fund shall not exceed 600,000 yuan; For families where both the borrower and the spouse have paid the housing provident fund, the maximum loan shall not exceed 800,000 yuan.

(two) determine the loan limit according to the total housing price.

For the purchase of ordinary commercial housing, the loan amount shall not exceed 70% of the total price of the online contract housing; For the purchase of second-hand houses, the loan amount shall not exceed 70% of the taxable value of real estate specified in the deed tax payment certificate; For the construction, renovation and overhaul of owner-occupied housing, the loan amount shall not exceed 70% of the taxable amount of the VAT invoice of the project construction cost; Commercial individual housing loans to housing provident fund loans, the loan amount shall not exceed the one-time settlement balance of commercial individual housing loans, and shall not exceed 70% of the total housing price and the single maximum loan limit.

(3) Determining the loan amount according to the mortgage value

If the collateral is a commercial house, the loan amount shall not be higher than 70% of the present value of the assessment; If the collateral is a self-built private house, the loan amount shall not be higher than 50% of the present value of real estate appraisal (including the transfer value of state-owned land).

(four) according to the repayment ability to determine the loan limit.

Under the premise of ensuring the basic living expenses of the borrower's family, the ability of the borrower and his spouse to repay all family debts such as the principal and interest of the housing provident fund loan (subject to the credit report) does not exceed 60% of the sum of the monthly salary income of the borrower and his spouse; The monthly wage income of the borrower and spouse shall be determined according to the monthly deposit base of the housing provident fund in the current year when applying for the housing provident fund loan.

According to the credit report, if either borrower or spouse has a loan with irregular repayment, the repayment ability shall be calculated by adding the loan amount to the housing provident fund loan amount, and the monthly repayment amount shall not exceed 60% of the sum of the monthly salary income of both borrowers and spouses; In case of regular repayment of loans, the sum of the monthly repayment amount of commercial bank loans plus the monthly repayment amount of housing provident fund loans shall not exceed 60% of the sum of the monthly salary income of the borrower and spouse.

(five) determine the loan limit according to the deposit balance.

The loan amount is determined according to the specified multiple of the sum of the balance of the borrower's and spouse's housing provident fund account and the sum of the deposit time of the main borrower.

That is: loan amount = sum of the balance of the housing provident fund account of the borrower and spouse × 15 times the time coefficient of deposit of the main borrower (if the sum of the balance of the housing provident fund account of the borrower and spouse is less than 10000 yuan, it shall be calculated as 10000 yuan).

The deposit time coefficient of the principal borrower is set as:

6 months