If the applicant wants to transfer the commercial loan to the provident fund, there are two main ways at present, one is to repay the loan first, and the other is to pay the loan with the loan. Details are as follows:

1 Bring our and our spouse's identification, marriage certificate, household registration book, commercial loan contract, proof of real estate appraisal and bank card for repayment, contact the original commercial loan bank and tell us that we need to go through "business-to-business", and then the staff will tell us what procedures we should go through.

The loan bank will review the application and materials submitted by us. After the approval, the bank will tell us to go through the relevant procedures, such as signing a provident fund loan contract and a mortgage contract with the loan bank.

3. Settle the balance difference between the provident fund loan and the original commercial loan and deposit it in the deposit account of the original commercial loan bank. The bank staff will make an IOU, which is the money you have paid back every month since the repayment, the total amount of IOU, the balance and so on.

Bank Doubt 4 When we inquire about credit information and repayment, the bank will sign a contract with you, not only with the bank that handles commercial loans, but also with the guarantee company designated by the provident fund management center.

After all the related matters with the commercial banks and guarantee companies designated by the provident fund management center are completed, the banks begin to issue loans, waiting for the provident fund management center to issue loans, and the loans are used to settle the remaining outstanding loans of the original commercial banks.

After the commercial loan is transferred to the provident fund loan, you should go to the original commercial loan bank to go through the formalities of cancellation of real estate mortgage and registration of provident fund loan mortgage. After the mortgage and handover of real estate are completed, you only need to repay on time according to the repayment plan.

Can Huai 'an change from business to public in 2022?

BEIJING, Nanjing, March 1 (Xu Shanshan) According to Jiangsu Huai 'an Housing Provident Fund Management Center, from March 1, the local authorities suspended accepting commercial personal housing loans to housing provident fund loans.

According to reports, as of February 20, 20021year, the personal loan rate of Huai' an housing provident fund reached 98.86%, which was higher than the average level of Jiangsu Province and had a continuous upward trend, and the liquidity of housing provident fund was seriously insufficient.

According to the Business Standard of Housing Provident Fund Fund Fund Management, the Detailed Rules for the Implementation of Housing Provident Fund Loan Management in Huai 'an City and the Provisions on the Management of Commercial Personal Housing Loans of Housing Provident Fund Loans in Huai 'an City, Huai 'an City suspended the acceptance of commercial personal housing loans to housing provident fund loans.

202 1 March1The business of transferring commercial personal housing loans to housing provident fund loans recently accepted will be examined and approved for three months according to the order in which borrowers apply for commercial loans to the public. (End)

Source: China News Network

Can commercial loans be converted into provident fund loans?

Yes, when a commercial loan is converted into a provident fund loan, the borrower should meet the following conditions: it meets the application conditions for housing provident fund loans in this city; The borrower must be the borrower or spouse of the original housing loan; The original commercial housing loan has not been settled, and the bank agrees that the borrower will settle the loan in advance; The original commercial housing loan has been repaid for more than one year (inclusive), with a good credit record and no overdue loan balance. The purchased property has obtained the house ownership certificate issued by the local real estate registration department, and it is a steel-concrete structure; Commercial loans that can be mortgaged for the purchased real estate can be converted into provident fund loans; Never applied for a housing provident fund loan.

On the question of whether housing commercial loans can be converted into provident fund loans, you can apply for conversion if you meet the conditions:

1. The loan applicant must pay (paid by the company) the housing provident fund to the local housing provident fund management center (hereinafter referred to as the center) on time, in full and continuously within 6 months before the month of applying for the loan, and fail to pay (not paid by the company) the housing provident fund two years before the month of applying for the loan; If the loan applicant is transferred from other places to this city, the housing provident fund shall be paid on time, in full and continuously (remitted by the unit) six months before the transfer, and the provident fund has been remitted at least 1 month in the center (the remittance status is normal and there is no default);

2. The housing purchased by the loan applicant is self-occupied ordinary housing;

3. The loan applicant is the owner or owner of the purchased self-occupied house (the purchase contract is signed and sealed by the buyer);

4, a stable source of economic income and the ability to repay the principal and interest on time;

5. Provide the guarantee company recognized by the Center as repayment guarantee or the securities recognized by the bank as pledge;

6. The original commercial loan must be a house purchase loan and there is no debt for more than two months at the time of lending;

7. The loan applicant has obtained the house ownership certificate, house ownership certificate and state-owned land use certificate of the purchased house;

8. Both husband and wife of the loan applicant shall not have outstanding provident fund loans.

Legal basis: Article 8 of the Civil Code of People's Republic of China (PRC).

Civil subjects engaged in civil activities shall not violate the law or public order and good customs.

Huai 'an: Start commercial individual housing loan to housing provident fund loan business.

On June 1 65438+1October 2 1, Huai' an Housing Provident Fund Management Center of Jiangsu Province issued the Management Regulations on Commercial Personal Housing Loan to Housing Provident Fund Loan in Huai' an City, announcing the start of the business of commercial personal housing loan to housing provident fund loan (hereinafter referred to as "commercial loan to public loan"), since June 2022.

The starting range is that the depositor of housing provident fund purchases self-occupied housing within the administrative area of Huai 'an City, has handled commercial personal housing loans (hereinafter referred to as "commercial loans") and has not yet settled, and has no more than two houses in the administrative area where the purchased housing is located, which meets the conditions of Huai 'an housing provident fund loans, and can apply for commercial loans.

The regulations show that the start and end of the business-to-public loan will be linked to the proportion of Huai 'an housing provident fund personal loans, and the dynamic adjustment will be implemented simultaneously with the maximum amount of Huai 'an housing provident fund loans.

According to the announcement, there are two ways for enterprises to handle public loans: mortgage-to-loan, and clearance before lending. Mortgage loan means that the borrower's original commercial loan bank can apply for corporate loans by way of "mortgage loan", namely: China Construction Bank, China Industrial and Commercial Bank, Agricultural Bank, China Bank, Industrial Bank, Postal Savings Bank, Jiangsu Bank, Suzhou Bank, China CITIC Bank, Nanjing Bank, Shanghai Pudong Development Bank, Jiangsu Huai 'an Rural Commercial Bank, Jiangsu Lianshui Rural Commercial Bank and Jiangsu Hongze Rural Commercial Bank.

The borrower's original commercial loan bank is outside the scope of the above-mentioned banks, and the applicant turns to public loans in the form of "clearing before lending".

The amount of commercial-to-public loan should be determined in combination with the borrower's housing provident fund deposit, purchase price, repayment ability, remaining principal of the original commercial loan, personal credit and other factors, and shall not exceed the following limits: it shall not exceed the maximum amount of housing provident fund loan executed by Huai' an at the time of loan acceptance; Not exceeding the loan amount calculated according to the balance stored in the housing provident fund account or a certain multiple of the repayment ability coefficient at the time of loan acceptance; Do not exceed the remaining principal of the original commercial loan and keep it at 1000 yuan; If the loan is transferred from a commercial bank to a corporate bank in the form of "mortgage loan", the loan amount shall not exceed the amount of the remaining principal of the original commercial loan after deducting the principal payable for two months, and shall be reserved to 1000 yuan.

This is the end of the introduction of Huai 'an commercial loan to provident fund loan, and Huai 'an commercial loan to provident fund loan will be resumed. I wonder if you found the information you need from it?