First, understand the local provident fund policy
The provident fund policies in different regions may be different, so we should first understand the local provident fund policies, including the application conditions, quota and interest rate of provident fund loans. This can be obtained by consulting official website, the local provident fund management center, or consulting relevant staff.
Two, check the personal provident fund deposit.
Converting to provident fund loans requires individuals to have a certain foundation for provident fund deposit. Therefore, you need to check your own provident fund deposit records to ensure that you have paid for a certain period of time continuously, and the deposit amount meets the requirements of provident fund loans.
Third, communicate and negotiate with banks.
Those who meet the conditions of provident fund loans should communicate with banks to negotiate commercial loans. The bank will evaluate the applicant's credit history, income status, housing mortgage, etc. Determine whether to agree to convert commercial loans into provident fund loans.
Fourth, submit relevant materials and go through the formalities.
If the bank agrees to convert to provident fund loans, the applicant needs to submit relevant materials according to the requirements of the bank, including the deposit certificate of provident fund, the purchase contract, the commercial loan contract, etc. At the same time, it is necessary to go through relevant procedures, such as the application, approval and lending of provident fund loans.
Verb (abbreviation of verb) Pay attention to the loan interest rate and repayment method.
After turning into a provident fund loan, the loan interest rate and repayment method will change. Applicants need to know the new interest rate and repayment method to ensure that they can repay on time and avoid bad records such as overdue.
To sum up:
I didn't have a provident fund when I bought a house. Later, if you want to change the provident fund loan, you need to know the local provident fund policy, inquire about the personal provident fund deposit, communicate with the bank, and submit relevant materials for formalities. After converting to provident fund loans, we need to pay attention to the new loan interest rate and repayment method to ensure timely repayment.
Legal basis:
Regulations on the administration of housing provident fund
Article 26 provides that:
Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.
The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.
The risk of housing provident fund loans shall be borne by the housing provident fund management center.
There is no provident fund when buying a house, and whether it can be converted into a provident fund loan in the later stage depends mainly on the local provident fund policy and the specific regulations of the bank. Usually, if you have bought a house with a commercial loan, you need to meet certain conditions and procedures if you want to turn it into a provident fund loan in the later stage.
First, understand the local provident fund policy
The provident fund policies in different regions may be different, so we should first understand the local provident fund policies, including the application conditions, quota and interest rate of provident fund loans. This can be obtained by consulting official website, the local provident fund management center, or consulting relevant staff.
Two, check the personal provident fund deposit.
Converting to provident fund loans requires individuals to have a certain foundation for provident fund deposit. Therefore, you need to check your own provident fund deposit records to ensure that you have paid for a certain period of time continuously, and the deposit amount meets the requirements of provident fund loans.
Third, communicate and negotiate with banks.
Those who meet the conditions of provident fund loans should communicate with banks to negotiate commercial loans. The bank will evaluate the applicant's credit history, income status, housing mortgage, etc. Determine whether to agree to convert commercial loans into provident fund loans.
Fourth, submit relevant materials and go through the formalities.
If the bank agrees to convert to provident fund loans, the applicant needs to submit relevant materials according to the requirements of the bank, including the deposit certificate of provident fund, the purchase contract, the commercial loan contract, etc. At the same time, it is necessary to go through relevant procedures, such as the application, approval and lending of provident fund loans.
Verb (abbreviation of verb) Pay attention to the loan interest rate and repayment method.
After turning into a provident fund loan, the loan interest rate and repayment method will change. Applicants need to know the new interest rate and repayment method to ensure that they can repay on time and avoid bad records such as overdue.
To sum up:
I didn't have a provident fund when I bought a house. Later, if you want to change the provident fund loan, you need to know the local provident fund policy, inquire about the personal provident fund deposit, communicate with the bank, and submit relevant materials for formalities. After converting to provident fund loans, we need to pay attention to the new loan interest rate and repayment method to ensure timely repayment.
Legal basis:
Regulations on the administration of housing provident fund
Article 26 provides that:
Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.
The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.
The risk of housing provident fund loans shall be borne by the housing provident fund management center.