Yes, commercial loans can only be converted into provident fund if they have real estate license.
Two, in 2022, commercial loans can not be transferred to the provident fund, as long as they meet the conditions.
As long as the conditions are met in 2022, commercial loans can be converted into personal provident fund loans. Employees who normally pay personal provident fund and meet the loan standards can apply to the provident fund center to convert housing commercial loans into personal provident fund loans. The above is the relevant content that commercial loans cannot be transferred to provident fund in 2022. Conditions for converting commercial loans into personal provident fund loans
1, the user pays the personal provident fund normally in the local area; 2. The lending business only accepts the application of the original housing lender or its spouse; 3. The applicant should make it clear to the bank that his house loan has not been settled, and at the same time clearly apply to the bank for early settlement of the loan. Once the bank allows it, it can handle the follow-up business; 4. The applicant shall ensure that the repayment of the original profitable house purchase loan is 1 year or above, and his personal credit record is of high quality, and he has no loans overdue behavior. Property buyers hold ID cards, household registration books, marriage certificates and land certificates to the commercial loan bank to make a clear application, and then find a loan guarantee company to pay the relevant fees after approval. With the receipt, letter of guarantee and deposit certificate of provident fund, the Agreement on Converting Commercial Loan to Provident Fund is signed at the service desk of commercial loan bank. The difference between provident fund loans and commercial loans
Provident fund loans and commercial loans are both a form of residential loans, but there are differences in loan characteristics and assets. The difference is: 1, the loan regulations are different: individual provident fund loans need to pay provident fund, and they can only apply for individual provident fund loans after a certain period of time, while commercial loans can only be loaned if they meet the loan standards, without provident fund; 2. Different loan quotas: the loan quotas of individual provident funds are set by local provident fund centers according to local conditions, while the loan quotas of commercial loans are clearly agreed by the lending banks and borrowers; 3. Different assets: personal provident fund loans are issued by provident fund and banks cooperating with housing provident fund, while commercial loans are loans issued by lending banks; 4. The annual interest rate of loans is different: the annual interest rate of personal provident fund loans is less than that of commercial loans. This paper focuses on the knowledge that commercial loans cannot be transferred to provident fund in 2022.
3. How can banks without provident fund loans turn commercial loans into corporate loans?
Commercial loans:
1. The borrower's application for provident fund loan is in a normal deposit state.
2. The applicant or * * * and the unit to which the applicant belongs have issued the certificate of deposit or the certificate of house advance notice registration for the borrower in accordance with the regulations, and can go through the mortgage registration formalities.
7. The normal repayment period of commercial loans is over years, and there is no overdue repayment.
8. Portfolio loans cannot be converted from commercial loans to provident fund loans.
9. Commercial loans are pure provident fund loans.
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4. What's the latest regulation of Hebei's commercial loan to public loan in 2022?
1. After the original commercial loan is issued, it has been repaid normally within the specified time limit or above, and the repayment is normal during the loan period, and there is no overdue loan, and the original commercial loan repayment record and loan balance certificate issued by the lending bank shall be provided;
2. The borrower of the original commercial loan is single and married when applying for the transfer to the provident fund loan, and it is required to issue a notarial certificate of the property right of the house purchased by the original commercial loan and a repayment statement agreed by both husband and wife of the borrower;
Three, the original commercial housing buyers for parents and children (excluding children) to buy together, you can apply for provident fund loans, but you must * * sign a mortgage contract for provident fund loans, provide a statement that the owner of the house * * * agrees to apply for provident fund loans with the house as collateral, and * * * cooperate with repayment, and notarize. The identification of immediate family members of parents and children is based on the household registration book, the certificate of the household registration jurisdiction department or other legally effective identification methods;
Four, the original commercial loan borrowers have not paid the provident fund, and their spouses have paid the provident fund normally and meet the conditions for the transfer of provident fund loans, they can apply for refinancing.