Handling procedures: The applicant must hold the ID cards of both husband and wife, the original commercial loan contract, the house purchase contract and the personal credit report of both husband and wife, and fill in the consultation record of lending to the housing provident fund management institution, and the housing provident fund management institution will confirm whether it meets the conditions for lending according to the information provided by the applicant. In line with the conditions of refinancing, the applicant needs to pay off the commercial loan by self-financing, and apply for the housing provident fund loan to the housing provident fund management institution with the prepared application materials within one month after the original commercial loan is paid off.
I. Important matters that the applicant must determine and understand.
1. The applicant and the applicant's spouse have good personal credit and no bad records in the personal credit information system of the People's Bank of China;
2. The applicant's original commercial housing loan must be an "individual housing loan";
3 to the housing provident fund management center to fill in the "transfer provident fund loan consultation record form" to confirm whether it meets the conditions;
4. After the above matters are determined and completed, the applicant pays off the original commercial personal housing loan with self-raised funds, and applies for the transfer of housing provident fund loan to the housing provident fund management center within one month.
Second, important tips:
1. The borrower shall not be changed during the transfer of housing provident fund loans;
2. The real estate development procedures of the original house purchase are complete and meet the sales requirements;
3 housing portfolio loans do not apply for housing provident fund loans. Housing provident fund loans do not apply for employee housing portfolio loans;
4. The applicant shall pay the housing provident fund in full and on time (the housing provident fund shall be paid continuously for more than one year, and the cumulative interval shall not exceed three months);
5. There is no personal loan debt of housing provident fund and other outstanding debts that may affect the repayment ability of loans.
Third, the application materials
1. application form for transfer of housing provident fund loan in triplicate;
Two personal credit reports from the credit information system of China People's Bank (including the applicant and spouse);
The identity of the applicant, spouse and mortgagor, and the original and three copies of the household registration certificate;
The original and three copies of the applicant's marital status certificate;
The original and two copies of the house purchase contract, or three copies stamped by the original loan bank or developer;
Original and three copies of the commercial loan contract;
Original and three copies of repayment certificate of commercial loan;
The original and three copies of the house ownership certificate (unsecured or mortgaged) of the purchased house.
Fourth, auxiliary materials.
A * * * has property rights, and the following materials need to be prepared:
1.*** Original and three copies of the property owner's identity and household registration certificate;
2 * * * statement signed by the property owner and the debtor;
3 * * * The original and three copies of the certificate of marital status of the property owner.
4 * * * Owner's personal credit report.
2. If the house is mortgaged elsewhere, the original and three copies of the house ownership certificate and three copies of the evaluation report shall be provided. If the loan is secured by the property of a third party (the third party needs to sign on the spot), the following materials shall be supplemented:
1. The original and three copies of the mortgagor's identity account certificate;
2. Three copies of the mortgagor's statement.