Is it necessary to transfer commercial loans to provident fund?
Whether commercial loans need to be transferred to provident fund mainly depends on whether it is beneficial to the lender and whether the lender has the conditions to transfer loans: commercial loans are the staged joint liability guarantee and mortgage of developers, while provident fund loans are the guarantee of joint liability guarantee; The amount of commercial loans will be higher than that of provident fund loans, and compared with commercial loans, the amount and audit standards of provident fund loans are stricter; The interest rate of provident fund loans is generally lower than that of commercial loans.
What are the terms of the loan?
1 The borrower who transferred the provident fund loan and the original commercial loan must be the same person;
2. The original commercial loan has been repaid normally for more than 65,438+0 years, and the loan bank has not provided overdue repayment records;
3. If the housing provident fund is withdrawn from the house purchase, the housing provident fund shall be continuously and normally paid 1 year or more from the date of withdrawal;
4. The transfer of provident fund loans must obtain the consent of the original commercial loan bank;
5 houses that have been transferred to provident fund loans must be residential development projects registered in the city housing reform fund center. If the house ownership certificate and the state-owned land use right certificate are not handled, the developer shall provide installment guarantee or proof of commercial housing ownership;
It is agreed that the guarantee company recognized by the municipal capital center will provide the guarantee.
I hope the above answers are helpful to everyone.