Can commercial loans be converted into provident fund loans? 1. Can commercial loans be converted into provident fund loans? General commercial loans cannot be converted into provident fund loans. If you have already paid the provident fund, you will have the opportunity to write a transfer check from the provident fund to repay the commercial loan in advance every year. Unable to convert loan type. The application is a commercial loan and cannot be changed into a provident fund loan. (1) The sub-lender holds legal identity documents and has full capacity for civil conduct; (2) Agree to settle the balance of the original commercial loan in advance; (3) The original commercial loan has been repaid normally for 6 months or more, and the repayment is normal during the loan period, and there is no overdue loan, and the original commercial loan repayment record and loan balance certificate issued by the loan bank are provided; (4) The house purchased by the original commercial loan has been handled with the Property Ownership Certificate and the State-owned Land Use Certificate; (5) The sub-lender and its spouse have good credit, and agree that the entrusted bank can inquire and print the personal credit report, which is in line with the credit review standard of the personal housing provident fund loan of the management center (hereinafter referred to as the credit review standard); (6) It has a stable economic income and the ability to repay the principal and interest of the loan on time (the proof of economic income should be accompanied by the income details of wages (including bonuses) for the last 6 months or more or personal tax records); (seven) no outstanding provident fund loans, no other debts that affect the repayment ability of provident fund loans; (eight) agreed to provide loan guarantee for the transfer of provident fund by the guarantee institution recognized by the management center; (9) The borrower of the original commercial loan is single and married when applying for transferring to the provident fund loan, and it is required to issue the notarial certificate of the property right of the house purchased by the original commercial loan and the repayment statement of * * * *. (10) If the original commercial loan borrower has divorced, and it is clear in the court judgment, ruling or divorce agreement that the property ownership is no longer in the name of the original commercial loan borrower, neither the original commercial loan borrower nor his spouse may apply for transferring to the provident fund loan; (1 1) The purchaser of the original commercial loan house was jointly purchased by his parents and children (not including multiple children), so he can apply for transferring to provident fund loans, but he must * * sign a mortgage contract for transferring to provident fund loans, provide a statement that the owner of the house agrees to use the house as mortgage for provident fund loans, and * * * repay the loan by notarization. The identification of immediate family members of parents and children is based on the household registration book, the certificate of the household registration jurisdiction department or other legally effective identification methods; (twelve) the original commercial loan borrower has not paid the provident fund, and his spouse has paid the provident fund normally, which meets the conditions for transferring to the provident fund loan, and may apply for a second loan.

Legal objectivity:

1. Can commercial loans be converted into provident fund loans? General commercial loans cannot be converted into provident fund loans. If you have already paid the provident fund, you will have the opportunity to write a transfer check from the provident fund to repay the commercial loan in advance every year. Unable to convert loan type. The application is a commercial loan and cannot be changed into a provident fund loan. (1) The sub-lender holds legal identity documents and has full capacity for civil conduct; (2) Agree to settle the balance of the original commercial loan in advance; (3) The original commercial loan has been repaid normally for 6 months or more, and the repayment is normal during the loan period, and there is no overdue loan, and the original commercial loan repayment record and loan balance certificate issued by the lending bank are provided; (4) The house purchased by the original commercial loan has been handled with the Property Ownership Certificate and the State-owned Land Use Certificate; (5) The sub-lender and its spouse have good credit, and agree that the entrusted bank can inquire and print the personal credit report, which is in line with the credit review standard of the personal housing provident fund loan of the management center (hereinafter referred to as the credit review standard); (6) It has a stable economic income and the ability to repay the principal and interest of the loan on time (the proof of economic income should be accompanied by the income details of wages (including bonuses) for the last 6 months or more or personal tax records); (seven) no outstanding provident fund loans, no other debts that affect the repayment ability of provident fund loans; (eight) agreed to provide loan guarantee for the transfer of provident fund by the guarantee institution recognized by the management center; (9) The borrower of the original commercial loan is single and married when applying for transferring to the provident fund loan, and it is required to issue the notarial certificate of the property right of the house purchased by the original commercial loan and the repayment statement of * * * *. (10) If the original commercial loan borrower has divorced, and it is clear in the court judgment, ruling or divorce agreement that the property ownership is no longer in the name of the original commercial loan borrower, neither the original commercial loan borrower nor his spouse may apply for transferring to the provident fund loan; (1 1) The purchaser of the original commercial loan house was jointly purchased by his parents and children (excluding multiple children), and can apply for a loan to transfer to provident fund, but he must * * sign a mortgage contract for the loan to transfer to provident fund, provide a statement that the owner * * * agrees to use the house as a mortgage for provident fund loans, and * * * repay the loan by notarization. The identification of immediate family members of parents and children is based on the household registration book, the certificate of the household registration jurisdiction department or other legally effective identification methods; (twelve) the original commercial loan borrower has not paid the provident fund, and his spouse has paid the provident fund normally, which meets the conditions for transferring to the provident fund loan, and may apply for a second loan. Therefore, commercial loans to buy a house can be converted into provident fund loans, but the corresponding conditions must be met.