1. The process of transferring commercial loans to provident fund secured loans

1. Individuals who meet the conditions of housing provident fund loans have three ways to choose from:

2. Customers can settle their original bank loans by self-financing, cancel the mortgage of the original property, and after re-mortgage, the provident fund center will lend money to the customer's deposit account.

3. The customer pays the deposit and uses another house of himself or his spouse or his immediate family as collateral. The provident fund center can lend money to the customer, and the deposit will be refunded after the customer pays off the original loan.

4. The customer can find a guarantee company, and the guarantee company will pay off the customer's original loan in advance, and the customer will pay the advance fee and deposit, and the guarantor will provide phased guarantee. After the mortgage is implemented, the provident fund center will lend money and refund the customer's deposit.

II. Loan conditions for transferring commercial loans to provident fund

1. Proof of deposit of housing provident fund of the applicant and spouse;

2. Identification certificate of the applicant and spouse (referring to resident identity card, permanent residence booklet and other valid residence documents) and proof of marital status;

3. Proof of stable family income and other proof of creditor's rights and debts that have an impact on repayment ability;

4. valid documents such as contracts and agreements for housing purchase;

5. Collateral used for guarantee, pledge list, ownership certificate, certificate that the person who has the right to dispose of it agrees to mortgage and pledge, and collateral valuation certificate issued by relevant departments;

6. Other information required by the Provident Fund Center.

(1) The bank accepts and examines the loan application with complete information in time and submits it to the provident fund center in time.

(2) the provident fund center is responsible for approving loans and informing banks of the approval results in time.

(3) The bank informs the applicant to go through the loan formalities according to the results of the examination and approval by the provident fund center. The borrower and his wife sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other formalities to the provident fund center for review. After the approval by the provident fund center, the entrusted bank will allocate the loan fund, and the entrusted bank will issue the loan in full and on time according to the loan contract.

(4) If the mortgage is used as a guarantee, the borrower shall go through the mortgage registration formalities with the property right management department in the area where the house is located, and the mortgage contract or agreement shall be signed by both husband and wife. If the securities are pledged, the borrower shall hand over the securities to the management department or the Union Center for custody. In addition, all copies must be copied on A4 paper, and the original must be checked at the handling site.

III. Precautions for Converting Commercial Loans into Provident Fund Loans

The new loan term applied by buyers must be within the period specified in the provident fund loan, and the longest loan term shall not exceed the remaining loan term of the original "commercial loan". If it is a partial loan, the term of the remaining commercial loan shall be the same as that of the provident fund loan.

in addition, if the deposit place of the provident fund and the location of the loan house are not in the same county, city or district administrative area, the applicant should apply to the management center where the loan house is located for transferring commercial loans from other places to provident fund loans.

To sum up, it is the related introduction on how to handle the problem of transferring commercial loans to provident fund loans. Commercial loans to provident fund loans first require the lender to settle the original bank loans, etc., and then pay the housing provident fund, and the lender should use his other house or the house of his immediate family as collateral. Lenders applying for provident fund loans must be completed within a certain period of time.

The process of transforming Qingdao commercial loan into provident fund loan is as follows:

1. The personal commercial loan of the loan applicant has been repaid continuously for more than one year, and the repayment record is good, and there is no overdue repayment in the middle;

2. The individual housing accumulation fund of the loan applicant has been paid in full for more than one year continuously, and there is no case of breaking off diplomatic relations and underpaying;

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

4. In order to transfer a commercial loan to a provident fund loan, an individual needs to obtain the consent of the original commercial loan bank and apply for it. After the bank agrees, the loan will be converted

(2) Application for lending:

1. The applicant applies for lending to the guarantee company with the original commercial loan settlement certificate and other lending materials, and signs a contract and other related materials;

2. Bank credit inquiry, management core audit, and the guarantee company will accompany the borrower to handle the mortgage registration procedures;

3. After the mortgage registration formalities are completed (subject to the confirmation of the management core), the guarantee company will take the other warrants and manage the core loan.

V. Procedures to be submitted for lending

The lender shall submit to the bank the Application Approval Form for Converting Personal Housing Commercial Loan to Provident Fund Loan; Certificate of husband and wife and Wuhan Housing Provident Fund Reconciliation Account Book; The "economic income certificate" issued by the unit where the husband and wife work; Original Commodity House Purchase and Sale Contract, Loan Contract and Loan Arrival Contract; Original normal repayment record and loan balance; Certificate and notarial certificate issued by the owner of the house property right; The staged guarantee commitment letter issued by the guarantee company; Housing did not apply for two certificates, provided by the developer to re-issue a phased guarantee, etc.