Now most people will buy provident fund, and sometimes even if enterprises don't buy it, they will buy it themselves, because provident fund loans are much more cost-effective than commercial loans. So, what conditions and information do you need to transfer to provident fund loans? The following is a detailed introduction.

Loan conditions for transferring commercial loans to provident fund 1, and housing provident fund is normally paid 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 loan has not been settled, and at the same time apply to the bank for early settlement of the loan. Once the bank agrees, it can handle the next transfer to provident fund loan business;

4. The applicant must guarantee to repay the original commercial housing purchase loan for more than 1 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. The loan interest rate of enterprises to the public is implemented according to the current housing provident fund loan interest rate.

Information 1, original and photocopy of ID card, household registration book and marriage certificate of the lender and spouse.

2 original and photocopy of the house ownership certificate and state-owned land use certificate of the house purchased by the original commercial loan.

3. The original loan mortgage contract of the house purchased by the original commercial loan and a copy of the commodity (economic) house sales contract or the stock house sales contract;

4. The repayment record of the lender's original commercial loan issued by the original commercial loan bank and the proof of the balance and remaining term of the original commercial loan as of the date of applying for the transfer to the provident fund loan;

5. The housing appraisal report issued by the housing appraisal agency recognized by the management center on the transfer of second-hand housing business loans to provident fund loans;

6. A notarized statement of consent to mortgage issued by the owner of the house property;

7. A copy of the mortgage certificate of the house purchased by the original commercial loan provided by the original commercial loan bank (the mortgage certificate of the auction house or the house ownership certificate), and stamped with the official seal of the bank;

8. Other materials required by the management center or the entrusted bank.