The latest policy of transferring commercial loans to provident fund loans
Under normal circumstances, what is the latest policy of transferring commercial loans to provident fund? The conditions for applying for refinancing include: employees who have applied for commercial personal housing loans when buying or building their own property houses, and also meet the conditions for housing provident fund loans. At the same time, they must meet the following conditions before they can apply for refinancing, which can be used to repay borrowers' house purchases and housing loans. What are the steps to transfer? The first point is the commercial personal housing loan, which is in line with the relevant personal housing loan regulations of the People's Bank of China, has a good repayment credit, and has no record of overdue repayment for two consecutive periods or accumulated overdue for more than three periods, so you can apply. Second, the relevant applicant is a commercial individual housing borrower or the owner of the purchased housing property; Third, the relevant borrowers and property owners said that the housing provident fund loan has not been processed or has been paid off; The fourth point is to have a stable economic income, maintain a good personal credit, and have the relevant loan repayment ability. At the same time, the borrower's family has no other large bank loans or debts beyond repayment ability. If you can provide housing mortgage guarantee that meets the housing provident fund loan. The amount of refinancing is also critical. Generally speaking, the maximum amount of refinancing can't exceed 70% of the total house price of purchased built houses (including: ordinary commodity houses of 90 square meters and below can't exceed 80% of the total house price); At the same time, if the purchase and building time exceeds two years, the maximum amount of refinancing shall generally not exceed the balance of the bank's personal housing loan; Third, the maximum amount of refinancing cannot exceed the maximum amount of personal loans of housing provident fund.
What materials do you need to transfer commercial loans to provident fund loans?
What materials do you need to apply for a commercial loan to a provident fund loan? First of all, the original and photocopy of the ID card of the applicant and spouse; The applicant also has the original and photocopy of the spouse's household registration book; Original and photocopy of the applicant's marriage certificate, and relevant certificates are required for unmarried or divorced persons; Approval form for housing provident fund loan application; The original loan mortgage contract, loan certificate and other relevant information; The originals and copies of real estate license, deed tax certificate and land certificate are also very important; At the same time, the original and photocopy of the commodity (economic) house sales contract or the stock house sales contract; One original and one copy of the registration form for housing mortgage filing. If you go through the formalities, you must first receive consultation. Ordinary borrowers need to consult the original commercial loan bank to see if any one meets the loan conditions. If the loan conditions are met, the bank staff will guide the borrower to fill in the personal housing provident fund loan folder correctly and completely. The next step is to submit the information, and you can give the relevant information to the staff for review. After the loan acceptance, contract signing, fund deposit, loan issuance and mortgage handling are completed, you can apply for a loan. The above is the relevant content of the latest policy of transferring commercial loans to provident fund loans, and I hope it will help everyone.