Hello, the requirements for Suzhou Postal Savings Bank to convert commercial loans into provident fund loans are as follows:

1. The applicant should be a registered resident in Suzhou, aged between 18-60 years old;

2. The applicant should have a stable job and income and a good credit record;

3. The applicant should have sufficient repayment ability and can provide effective guarantee;

4. The applicant should have enough provident fund deposits to provide effective guarantee;

5. The applicant should have enough collateral to provide effective guarantee;

6. The applicant should have sufficient collateral value and can provide effective guarantee;

7. The applicant should have sufficient loan amount to provide effective guarantee;

8. The applicant should have sufficient loan term and can provide effective guarantee;

9, the applicant should have enough loan interest, can provide effective guarantee;

10. The applicant should have sufficient loan guarantee and can provide effective guarantee;

1 1. The applicant should have sufficient loan purposes and can provide effective guarantee;

12. The applicant should have sufficient loan approval conditions and can provide effective guarantee.

Can Suzhou pure commercial loan be transferred to provident fund?

Yes, as long as the conditions are met. Commercial loans that have begun to repay can be converted into provident fund loans if they meet the conditions. If individual commercial loans are to be converted into provident fund loans, the conditions for converting commercial loans into provident fund loans need to be met.

The conditions for converting commercial loans into provident fund loans mainly include: continuous repayment of personal commercial loans 1 year or more; Continuous deposit of individual provident fund 1 year or more; Houses that are transferred to provident fund loans are required to be registered in the local monetary center and have formal and legal residential development projects; Individuals need to obtain the consent of the original commercial loan bank to convert commercial loans into provident fund loans.

Therefore, when buying a house with a loan, if the borrower chooses a commercial loan first, it can also be converted into a provident fund loan under certain conditions. However, the conditions for commercial loans to provident fund loans are generally better, and the conditions required by different places will be somewhat different. Before handling commercial loans and provident fund loans, consult clearly before deciding whether to handle them.

Commercial loans are loans used to supplement the working capital of industrial and commercial enterprises. Generally, they are short-term loans, usually 9 months, and no more than one year at most, but there are also a few medium-and long-term loans. This kind of loan is the main part of commercial bank loans, generally accounting for more than one-third of the total loans.

Commercial loans, also known as individual housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to purchase ordinary housing for their own use and implement the statutory loan interest rate. Many commercial banks in Beijing have this business, such as CCB and ABC. The procedures for applying for loans are basically the same.

Commercial loans refer to the proportion of commercial loans in the guarantee balance of housing property right guarantee institutions at the end of the statistical period.

Commercial loans need to meet five conditions:

The original commercial housing loan bank agreed that the borrower would settle the loan in advance;

The repayment of the original commercial housing loan is over 1 year (inclusive), and there is no overdue loan balance;

The borrower must be the borrower of the original commercial housing loan or his spouse;

The purchased property has obtained the land ownership certificate;

The borrower has sufficient funds to pay off the original commercial housing loan; If the borrower does not have enough funds to settle the original commercial housing loan, it shall apply for a guarantee to the guarantee institution of this Municipality that meets the relevant provisions of the state, has corresponding qualifications and is recognized by the management center and the entrusted bank.

In addition, it must also comply with the national and autonomous region housing provident fund individual housing loan policy.

Can Suzhou commercial loans be transferred to provident fund?

Commercial loans can be transferred to provident fund, but there is also a time limit, and the provident fund must reach a certain amount before loans can be made.

Can Suzhou commercial loans be converted into provident fund loans?

Suzhou commercial loans can apply for transferring to provident fund loans, but they need to meet certain conditions, such as sufficient provident fund deposits, meeting the requirements of loan purposes and stable economic income. When applying for loan transfer to provident fund, you also need to provide relevant materials, such as ID card, work certificate, and running water of provident fund deposits.

Can Suzhou commercial loans be converted into provident fund loans?

Of course.

If individual commercial loans are to be converted into provident fund loans, the conditions for converting commercial loans into provident fund loans need to be met. The conditions for transferring commercial loans to provident fund loans mainly include:

1. Continuous repayment of personal commercial loans 1 year or more;

2. Individual provident fund is continuously paid 1 year or more;

3. Houses that are transferred to provident fund loans are required to be registered in the local monetary center and have formal and legal residential development projects;

4. Individuals need to obtain the consent of the original commercial loan bank to convert commercial loans into provident fund loans.

Therefore, when buying a house with a loan, if the borrower chooses a commercial loan first, it can also be converted into a provident fund loan under certain conditions. However, the conditions for commercial loans to provident fund loans are generally better, and the conditions required by different places will be somewhat different. Before handling commercial loans and provident fund loans, consult clearly before deciding whether to handle them.

Suzhou's provident fund, Shuyang commercial loans can be transferred to provident fund loans.

Of course. Commercial loans can be converted into provident fund loans, but the following conditions must be met:

1. When the borrower applies for a loan at the place where the provident fund loan is applied, the provident fund is in a normal deposit state;

2, the applicant or * * * and the applicant's unit in accordance with the provisions for the borrower to pay housing provident fund for more than a month;

3. The applicant has a stable economic income and the ability to repay the loan;

4. The applicant agrees to provide the approved loan guarantee method;

5. The applicant and * * * together with the applicant, including the spouse, have no outstanding loans or other debts except the loan transferred to the provident fund;

6. The "Property Ownership Certificate" or "Housing Advance Notice Registration Certificate" involving provident fund loans in commercial loans has been completed and mortgage registration procedures can be handled;

7. The normal repayment period of commercial loans is more than years and there is no record of overdue repayment;

8. Portfolio loans cannot be converted from commercial loans to provident fund loans;

9, commercial loans to provident fund loans can only apply for pure provident fund loans; =

This concludes the introduction of the process and time for Suzhou commercial loans to provident fund loans and commercial loans to provident fund loans. I wonder if you have found the information you need?