Under normal circumstances, the main lender of provident fund loans is not allowed to change at will. Before the loan is paid off, the loan cannot be withdrawn without special circumstances. Unless there are the following circumstances:

1. When the husband and wife divorce, the main lender transfers the ownership of the house to the spouse;

2. The main lender is dead or declared dead;

3. The main lender loses full capacity for civil conduct and no longer assumes repayment responsibilities.

In this regard, customers can apply to the loan handling bank to change the main lender and submit the new main lender information to the bank. The bank will review the new main lender according to the data. After the evaluation is passed, the main lender will be replaced, and then the new main lender will bear the repayment responsibility.

Like the first case mentioned above, the spouse of the main lender before the divorce is generally the new main lender; In the second and third cases, the spouse of the principal lender may be the new principal lender, or other heirs or legatees such as children, parents, brothers and sisters of the principal lender may be the new principal lender.

Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees. With the characteristics of security, mutual assistance and long-term, it is mainly used for employees to buy, build, rebuild, overhaul and decorate their own houses or pay rent.

From July 1 2065438, all housing provident fund management centers in China will handle the transfer and connection of housing provident fund in different places through the platform in accordance with the requirements of the National Operating Rules for the Transfer and Connection of Housing Provident Fund in Different Places issued by the Ministry of Housing and Urban-Rural Development.

On 202 1 July1day, the Ministry of Housing and Urban-Rural Development of the People's Republic of China confirmed the national housing provident fund service logo and decided to start it from now on.

Deposit nature

(1) security, the establishment of employee housing provident fund system, which provides a guarantee for employees to solve housing problems faster and better;

(2) Mutual assistance, the establishment of housing provident fund system can effectively establish and form mechanisms and channels for employees with housing to help employees without housing, and housing provident fund can help employees without housing in terms of funds, which reflects the mutual assistance of employee housing provident fund;

(3) In the long run, every urban employee must pay personal housing provident fund from the date of joining the work to the time of retirement or termination of labor relations; The employee's unit should also pay the housing provident fund for employee subsidies as required.

Characteristics of savings

universality

Urban workers, regardless of the nature of the work unit, family income and existing housing, must pay the housing provident fund in accordance with the provisions of the Regulations;

coerciveness

If the unit fails to register the deposit of housing provident fund or set up a housing provident fund account for employees, the housing provident fund management center has the right to order it to handle it within a time limit. If no correction is made within the time limit, it may be punished according to the relevant provisions of the Regulations, and may apply to the people for compulsory execution;

welfare

In addition to the housing provident fund paid by employees, the unit has to pay a certain amount for employees, and the interest rate of housing provident fund loans is lower than that of commercial loans;

Retractability

Workers retire, resign, or completely lose their ability to work, terminate their labor relations with their units, move out of their registered permanent residence or settle abroad, etc. And return the paid housing provident fund to individual employees.

CCB has a quick loan. Can the provident fund mortgage change the repayment person?

Hello, CCB has a quick loan, and you can change the repayment person of provident fund mortgage. In the fast loan service of CCB, you can go through the formalities of changing the repayment person of provident fund mortgage through online banking, mobile banking or counters. If it is necessary to change the borrower of provident fund mortgage, it is necessary to prepare the identity certificate of the lender after the change, and then go to online banking, mobile banking or the counter to go through the formalities for changing the borrower of provident fund mortgage. When going through the formalities for changing the repayment of provident fund mortgage, it is necessary to provide the changed lender's identity documents and other related materials, and pay the relevant fees. After completing the formalities, you can change the repayment of the provident fund mortgage.

What materials are needed for Shanghai to apply for the change of borrowers of provident fund loans? What is the difference between different personnel materials?

Changes of Borrower of Shanghai Provident Fund Loan

1. Identity certificate and household registration certificate: the original ID cards of the borrower, the borrower, the property owner and their spouses before and after the change (if the minor has no ID card, the birth certificate should be provided), and the original and photocopy of the household registration books of the borrower, the borrower and the property owner before and after the change; Hong Kong, Macao and Taiwan residents provide Hong Kong and Macao residents' passes to and from the mainland and the original residence permit of mainland travel permit for taiwan residents or Hong Kong, Macao and Taiwan residents; Foreigners and persons who have obtained permanent (long-term) residency abroad shall provide the original passport and the Chinese translation name confirmed by their signatures; Hong Kong, Macao and Taiwan and foreigners are required to provide domestic contact information (name, ID number and contact information) and identity documents. If the above-mentioned personnel are adults with limited (no) capacity for civil conduct, the original and photocopy of the guardianship certificate shall be provided.

2. Relationship certificate: marriage certificate, household registration book, birth certificate, one-child certificate and other original and photocopy documents that can reflect the applicant's relationship before and after the change. If you are single, you should provide the original single commitment letter. Hong Kong, Macao and Taiwan people who have not registered their marriage in the Mainland (Mainland) shall provide the original and photocopy of the marriage certificate notarized by the notary office of their place of residence (Hong Kong, Macao or Taiwan), and married people in Taiwan Province Province may provide Taiwan identity cards (see the back for details of family members); If the marriage is registered overseas, the original and photocopy of the marriage certificate issued by the notary office or competent authority of the host country and certified by the people of China and the embassy (consulate) of China or the embassy (consulate) of China in that country shall be provided. If it is in a foreign language, the original and photocopy of the translation issued by a regular translation agency shall be provided.

3. Proof of reasons for change: If the original borrower divorces, it shall provide the original and photocopy of the divorce certificate, the divorce agreement or effective judgment and conciliation statement that proves the ownership of the house property rights and debts and is sealed; If the original borrower dies or is declared dead, the original and photocopy of the death certificate or death judgment, notarial certificate, judgment or mediation or bequest certificate proving the ownership and debt of the real estate shall be provided. Hong Kong, Macao and Taiwan people who are not registered in the mainland (mainland) shall provide the original and photocopy of the divorce certificate and death certificate notarized by the notary office of their place of residence (Hong Kong, Macao and Taiwan); Foreigners shall provide the original and photocopy of divorce certificate and death certificate certified by the embassies (consulates) of People's Republic of China (PRC) and China or the embassies (consulates) of China in that country.

4. Provident fund loan contract: the original of the provident fund loan contract.

5. Property right certificate: the original registration certificate of real estate ownership certificate.

6. Repayment account: the original Class I debit card in the name of the borrower after the change.

7. If the housing with property right guarantee applies for change before the batch of 20 16 (excluding), it is necessary to provide relevant suggestions issued by the housing center to agree to the change and adjustment.

8 other materials required by the municipal provident fund center.

Can the repayment of provident fund loans be replaced by others? Change the conditions of guarantor of provident fund loan

Can the repayment of provident fund loans be replaced by others? What are the requirements for the guarantor of provident fund loan change?

Provident fund loans can change the repayment person. However, applying for changing the guarantor of provident fund loan needs to meet certain conditions.

In the provident fund loan, the repayment person can be changed. In case of divorce, unemployment and other unexpected changes, you can not continue to repay as agreed, you can apply for changing the repayment person of provident fund loans.

After the provident fund loan is issued, the borrower can apply for changing the repayment method, changing the repayment account and changing the borrower's information according to his own needs. * * * The same borrower can repay the provident fund loan with the balance of his provident fund account according to his own needs, and deduct it once a year.

Conditions for changing the guarantor of provident fund loan:

1. The borrower repays normally for one year in a row, and there is no overdue phenomenon;

2. The guarantor of the change must be a natural person with full civil capacity who has continuously paid the provident fund in full for more than 6 months; Having permanent residence or valid residence status in cities and towns of this Municipality; Have a stable occupation and income, good credit, and the ability to provide guarantees for others; The provident fund account is in a normal state, and there is no personal provident fund loan or guarantee for others.

Can I change the payer in the middle of the provident fund loan?

Yes, but you need to meet certain conditions before you can apply for changing the guarantor of provident fund loan.

Conditions for changing the guarantor of provident fund loan:

1. The borrower repays normally for one year in a row, and there is no overdue phenomenon;

2. The guarantor of the change must be a natural person with full civil capacity who has continuously paid the provident fund in full for more than 6 months; Having permanent residence or valid residence status in cities and towns of this Municipality; Have a stable occupation and income, good credit, and the ability to provide guarantees for others; The provident fund account is in a normal state, and there is no personal provident fund loan or guarantee for others.

Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.

Provident fund loans refer to individual housing provident fund loans, which are issued by local housing provident fund management centers. With the housing provident fund paid by employees who apply for provident fund loans, commercial banks are entrusted to issue mortgage loans to housing provident fund depositors who purchase, build, renovate or overhaul their own houses and retired employees who pay housing provident fund during their working life. According to the regulations, employees who have paid housing provident fund for a certain number of years or more (the number of years varies from city to city, such as 12 months or more in Changsha) can apply for provident fund loans when the funds for purchasing, building, renovating or overhauling their own houses are insufficient.

The loan conditions are: the employees of the unit have signed labor contracts for more than three years (or signed 1 year labor contracts for three consecutive years); Normal continuous monthly housing provident fund deposit exceeds a certain period; Not exceeding the statutory retirement age; The borrower has a stable economic income and the ability to repay the principal and interest; The borrower agrees to handle the mortgage registration and insurance; Provide the guarantee method agreed by the local housing provident fund management center and its sub-centers; At the same time, submit relevant documents required by the bank, such as house purchase contract or house pre-sale contract, real estate license, land use certificate, deposit certificate of provident fund, etc.

Advantages of provident fund loans:

1, convenience and processing time are similar.

2. General commercial loans have no loan ceiling or the ceiling is very high. Borrowers can directly apply for a relatively high loan amount. There is an upper limit on housing provident fund loans, but the demand for high-amount loans can be solved by portfolio loans.

3. Commercial loans have a wide range of loan targets, and housing provident fund loans are generally depositors of housing provident fund.

Provident fund loan conditions:

To apply for "commercial loan to provident fund loan", the borrower shall meet the following seven conditions at the same time:

1, which meets the application conditions for housing provident fund loans in our city;

2. The borrower must be the borrower or spouse of the original housing loan (required by the buyer);

3. The original commercial housing purchase loan has not been settled, and the bank agrees that the borrower will settle the loan in advance;

4. The original commercial housing loan has been repaid for more than one year (inclusive), with a good credit record and no overdue loan balance;

5. The purchased property has obtained the real estate license issued by the local real estate registration department, and it has a steel-concrete structure;

6. Commercial loans that can be mortgaged for the purchased real estate can be converted into provident fund loans;

7, did not apply for housing provident fund loans.

Changzhou housing provident fund is the same as the lender's change process.

The process is: change the borrower's handling materials after the divorce of Changzhou provident fund loan.

1. ID card

2. Purchase contract or house title certificate

3. The original borrower of the borrower and the changing party must jointly apply on the spot.

4. The party that obtained the property right of the house reapply for the loan.

Note that the newly applied loan shall not exceed the remaining principal of the original loan, and the maximum amount for a single person is 300,000 yuan.

When the party that obtains the property right of the house applies for a loan again, the loan record will not be increased, and the other party will no longer participate in the repayment of the house. However, because it has a loan record, it will not be able to enjoy some preferential policies for the first time when applying for provident fund loans next time.

Want to know more? Search and pay attention to the official account of Changzhou local treasure WeChat, reply to the provident fund in the background, and get the entrance, guide and Changzhou question answer of Changzhou provident fund withdrawal, deposit, loan and inquiry.