1, from commercial loans to provident fund loans. Many cities support commercial loans to provident fund loans. Some people only buy houses when the amount of provident fund is not high, so different banks have different policies for applying for commercial loans. Some banks will require the mortgage to be repaid for one year before they can apply for provident fund loans.
2. Withdraw the balance of provident fund to repay commercial loans. There is a lot of money in the provident fund account, which is equivalent to 24% of the salary. However, many front-line workers, who can't afford to buy a house in a big city, will go to their hometown to buy a house, and they can apply for withdrawing the provident fund to repay the business loan.
Second, what materials are needed to withdraw the provident fund to repay the mortgage?
What relevant certification materials do employees need to provide for the first withdrawal of housing provident fund from self-occupied housing such as commercial housing, affordable housing, cooperative housing and fund-raising housing?
In addition to the above information, the employee's spouse should also provide the original and photocopy of the husband-wife relationship certificate and the photocopy of the withdrawal record of the main purchaser. Withdraw all the balance in the provident fund account to repay the loan principal. After the principal is paid off, the loan principal is reduced and the total interest is also reduced.
If individual commercial loans are to be converted into provident fund loans, the conditions for converting commercial loans into provident fund loans need to be met. The conditions for transferring commercial loans to provident fund loans mainly include;
1. Continuous repayment of personal commercial loans 1 year or more;
2. Individual provident fund is continuously paid 1 year or more;
3. Houses that are transferred to provident fund loans are required to be registered in the local monetary center and have formal and legal residential development projects;
4. Individuals need to obtain the consent of the original commercial loan bank to convert commercial loans into provident fund loans.
3. What is the process of repaying the provident fund to the mortgage?
First of all, prepare the purchase contract, personal identity card and loan repayment information; Secondly, with the proof of purchase materials, apply to the unit to repay the provident fund; Then the applicant goes through the extraction procedures at the local provident fund management center with the information such as the extraction certificate audited by the unit; Then as long as the provident fund management center approves, the applicant can regularly withdraw the provident fund to repay the mortgage.
Yu mei ya yuan
on sale
Reference price: The reference average price is 7300 yuan/m2.
Address: Intersection of Lixin Road and Hehua Road, Wuling District, Changde City, Hunan Province
Property telephone number: 400-8 19-6590 to 053 1.
No discount for the time being