1. Pay the housing accumulation fund normally in the local area.
2. The loan business only accepts the application of the borrower or spouse of the original housing loan.
3. The applicant needs to confirm to the bank that his house purchase loan has not been settled, and at the same time apply to the bank for early settlement of the loan. Once the bank agrees, it can handle the next business.
4. The applicant shall ensure that the repayment of the original commercial house purchase loan is above 1 year (inclusive), the credit record is good, and there is no overdue behavior.
5. When the applicant transfers to the public, ensure that the purchased property has obtained the house ownership certificate issued by the local real estate registration department, and the applicant has not applied for a housing provident fund loan before.
6. The amount of the business-to-public loan applied for should be within the maximum loan amount of the housing provident fund loan and the balance of the original commercial housing loan announced by the local housing provident fund management committee before it can be accepted. The loan interest rate for transferring business to public is implemented according to the current housing provident fund loan interest rate in our city.
Key points of loan:
The original commercial loan must be repaid normally at least 1 year, and there is no record of overdue repayment.
If the housing provident fund has been withdrawn, it must be continuously and normally deposited 1 year or more from the date of withdrawal.
The housing transferred to the provident fund loan must be a formal and legal residential development project that has been registered and filed in the municipal capital center.
The transfer of provident fund loans must obtain the consent of the original commercial loan bank;
The property right of the house belongs to * * *, and the property owner shall issue a certificate of consent and notarize it.
If the marital status of the loan borrower changes, relevant certificates and notarial certificates of the legal ownership of the property shall be provided.
Before applying to the housing provident fund management institution, the citizens who intend to handle the business-to-public loan should first prepare the relevant materials, including the original commercial house purchase loan contract signed with the original loan bank; Housing ownership certificate issued by the local real estate registration department; The loan balance certificate or the original loan repayment list can only take effect after being sealed by the original loan bank. After the materials are complete, you can apply for an operating loan from the local housing provident fund management institution.