Taking Xiushan County as an example, the materials required for replacing mortgage loans are as follows:

1. The original ID card of the borrower and the property owner (both spouses) and two copies of the household registration book (the first page of the household registration book, the registration card page of the permanent residence, and the increase and decrease pages);

2. Copy of marriage certificate (including marriage certificate, single statement (provided by provident fund center) and divorce certificate);

3. Two legal and valid copies of Chongqing commercial housing sales contract and real estate license;

4. The original loan contract and two copies of the real estate mortgage loan contract;

5. Two copies of deed tax payment certificate or full invoice paid at the time of purchase;

6, the original loan repayment certificate (by the original loan bank issued by the repayment schedule as of the month);

7.65,438+0 original copies of the appraisal report (the borrower must contact an appraisal company recognized by the Provident Fund Center for appraisal, and the appraisal fee shall be borne by the borrower);

8. Two copies of ICBC account (the account status must be normal).

The procedures for replacing mortgage loans are as follows:

First, employees who purchase houses can consult the replacement loan in the provident fund center and handle related matters.

Two. The borrower shall prepare all the materials needed for the loan and submit them to the sub-center for computer record review.

3. After being approved by the center, the borrower goes to the ICBC Credit Department at the turntable of the railway station to inquire about the credit information. When the bank confirms that the credit information is normal, it will sign the housing provident fund loan contract and other relevant texts. The borrower raised funds to the original commercial loan bank to settle the loan in advance, got the original property right certificate, went to the original bank to cancel the mortgage in the examination and approval hall, and re-applied the mortgage (mortgaged to Xiushan Industrial and Commercial Bank).

Four, after the mortgage, the borrower will mortgage proof materials (copies) and the required information to the provident fund center.

5. After verifying the authenticity of the collateral, the center or the bank transfers the loan funds to the bank, and the bank issues them to the borrower according to the loan contract. The loan funds will be transferred to the personal account designated by the borrower and directly used to repay the original loan.

Extended data:

Precautions:

1. Both husband and wife of the principal borrower must have good credit information, otherwise they will not be approved.

2. The borrower needs to consult the bank staff about the date and amount of monthly repayment, and save enough money in advance to repay with the second "ID card" of Guangxi construction migrant workers to prevent loans overdue.

3 replacement loans need to be repaid by self-raised funds, and the original loans can only be paid off after signing a loan contract with the provident fund center. If the above process is violated, the replacement qualification will be lost.