Can the provident fund loan change the lender?
Provident fund loans can change the lender, but they must meet the conditions for changing the lender. If the borrower is divorced or dies, the borrower may be changed with the consent of the Center. If it does not meet the requirements, it is not allowed to change the lender's information halfway after the provident fund loan.
For example, during the repayment period of provident fund loans, the main borrower needs to adjust the terms of the loan contract due to changes in marital relationship. If you want to increase or decrease the owner of * * * or change the main borrower, the borrower and the owner of * * * (mortgagor) can apply to the entrusted bank for the change of the loan contract.
The lender who changes the provident fund loan shall meet the following basic conditions:
1 The borrower is divorced or dies;
2. The transferee of the collateral agrees to undertake the repayment obligation and has the repayment ability, and has no bad credit record;
When applying for change, it should be approved by the house owner (mortgagor) and the guarantor.
The original borrower and mortgagor, as well as the borrower and mortgagor after applying for change, apply to the central bank for loan contract change as applicants, fill in the application form and sign it for confirmation. After the application is accepted, the entrusted bank and the provident fund center will review the matters and conditions of the application for change, the monthly income of the borrower and his spouse after the change, the monthly income of the family and other liabilities of the family.
Provident fund loans can be changed to the lender's introduction as above, hoping to help you. If your provident fund loan is a portfolio loan, you need to change the lender and get the consent of the commercial bank.