Yes, you can. When a commercial loan is converted into a provident fund loan, the borrower shall meet the following seven conditions:

1. Meet the application conditions for housing provident fund loans in this Municipality;

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

3. The original commercial housing 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.

Materials required for the conditions of transferring commercial loans to provident fund loans (all materials must be original):

1. Original house purchase contract;

2. The original purchase invoice issued by the tax department;

3. Original property certificate and land certificate;

4. The original ID cards of both husband and wife (valid for more than one year);

5. Original marriage certificate or single certificate (the single certificate is stamped with the official seal of the unit);

6. Original residence booklet;

7. Original bank settlement voucher and repayment voucher;

8. Original loan contract signed with the bank.

Can commercial loans be converted into provident fund loans?

Commercial loans can be converted into provident fund loans. First, the lender's provident fund must be in a stable and normal state, and the lender's company must pay the provident fund for it for more than one month. Secondly, the bank should check whether the lender has a stable income to repay the loan and fully recognize the guarantee scheme stipulated in the loan. After meeting all relevant requirements, the lender can submit an application and sign a contract after approval.

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.

20 12 some cities relaxed the conditions of provident fund loans, among which the upper limit of housing provident fund loans in 9 counties of Linyi City, Shandong Province was raised from 200,000 yuan to 300,000 yuan from June 1.

20 14, 10 In June, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China issued a document, including relaxing the conditions of provident fund loans, promoting loans in different places, reducing intermediate costs, canceling the housing provident fund personal housing loan insurance, notarization, new house evaluation and compulsory institutional guarantee, and reducing the burden on loan workers. Among them, employees who have paid for 6 months can apply for provident fund loans (currently 12 months).

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 provide 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.

How to transfer commercial loans to housing provident fund loans

If the applicant wants to transfer the commercial loan to the provident fund, there are two main ways at present, one is to repay the loan first, and the other is to pay the loan with the loan. Details are as follows:

1 Bring our and our spouse's identification, marriage certificate, household registration book, commercial loan contract, proof of real estate appraisal and bank card for repayment, contact the original commercial loan bank and tell us that we need to go through "business-to-business", and then the staff will tell us what procedures we should go through.

The loan bank will review the application and materials submitted by us. After the approval, the bank will tell us to go through the relevant procedures, such as signing a provident fund loan contract and a mortgage contract with the loan bank.

3. Settle the balance difference between the provident fund loan and the original commercial loan and deposit it in the deposit account of the original commercial loan bank. The bank staff will make an IOU, which is the money you have paid back every month since the repayment, the total amount of IOU, the balance and so on.

Bank Doubt 4 When we inquire about credit information and repayment, the bank will sign a contract with you, not only with the bank that handles commercial loans, but also with the guarantee company designated by the provident fund management center.

After all the related matters with the commercial banks and guarantee companies designated by the provident fund management center are completed, the banks will start to issue loans, waiting for the provident fund management center to issue loans to settle the remaining outstanding loans of the original commercial banks.

After the commercial loan is transferred to the provident fund loan, you should go to the original commercial loan bank to go through the formalities of cancellation of real estate mortgage and registration of provident fund loan mortgage. After the mortgage and handover of real estate are completed, you only need to repay on time according to the repayment plan.

Loan conditions of commercial loans for housing provident fund

The loan conditions of commercial housing provident fund loans are as follows:

① The borrower is qualified for provident fund loans and meets the conditions for provident fund loans;

The loan conditions of the provident fund mainly include:

1. The provident fund has been paid in full for 6 months continuously, and the status of the provident fund account is normal;

2. After the business is transferred to the public, the monthly payment of provident fund loans shall not exceed 50% of the deposit base of provident fund;

3. There is no outstanding provident fund loan in the borrower's name, and the number of times of using provident fund loans shall not exceed 1 time;

4. The borrower has a good credit record, no overdue records and no large debts;

② The borrower's commercial loan has been repaid normally 1 year with no overdue phenomenon; When the business is transferred to the public, it is necessary to pay off the commercial loan in advance with the approval of the provident fund center. Therefore, it is necessary to meet the normal repayment above 1 year, otherwise, it is impossible to prepay and handle the business of the transfer account.

(3) The house purchased by the borrower has been issued with the title certificate and has no property right; Whether it is a new house or a second-hand house, you must have a real estate license in hand to handle the transfer of households. Those who have not yet applied for the real estate license cannot transfer their business to the public. And you can't own the property right of the house, otherwise you can't mortgage the provident fund, and you can't make a loan for the provident fund, and you can't handle the process of transferring the business to the public.

④ Commercial loans, provident fund loans and housing property owners must be the same person. If the borrower does not pay the provident fund, and other people in the family do, it is also impossible to turn the business into public. However, if both husband and wife have provident fund, they can use two people's provident fund loans, which can increase the loan amount of provident fund.

Can mortgage be transferred from commercial loan to provident fund?

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.

Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.

The definition of housing provident fund includes the following meanings:

Housing provident fund is only established in cities and towns, and the housing provident fund system is not established in rural areas.

Only on-the-job employees can establish a housing provident fund system. Unemployed urban residents and retired workers do not implement the housing provident fund system.

The housing accumulation fund consists of two parts, one part is paid by the unit where the employee works, and the other part is paid by the individual employee. After the employee's individual deposit is withheld by the unit, it will be deposited into the individual account of the housing provident fund together with the unit deposit.

The long-term nature of housing provident fund deposit. Once the housing provident fund system is established, employees must be paid continuously in accordance with the regulations during their employment, and shall not be suspended or interrupted except for employees' retirement or other circumstances stipulated in the Regulations on the Administration of Housing Provident Fund. It embodies the stability, unity, standardization and compulsion of housing provident fund.

Housing accumulation fund is a personal housing savings fund specially used by employees for housing consumption expenditure, which has two characteristics: accumulation and specificity.

The establishment of employee housing provident fund system provides a guarantee for employees to solve housing problems quickly and well; It can effectively establish and form a mechanism and channel for workers with housing to help workers without housing, and the housing provident fund provides financial assistance to workers without housing, which reflects the mutual assistance of the housing provident fund to workers;

Every urban employee must pay individual 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.

Housing provident fund deposit scope: government agencies and institutions; State-owned enterprises, urban collective enterprises, foreign-invested enterprises, Hong Kong, Macao and Taiwan invested enterprises, urban private enterprises and other urban enterprises or economic organizations; Private non-enterprise units and social organizations; Permanent representative offices of foreign, Hong Kong, Macao and Taiwan invested enterprises and other economic organizations.

This is the end of the introduction on whether it is cost-effective for housing lenders to transfer loans to provident fund and housing lenders to transfer loans to provident fund. I wonder if you have found the information you need?