If you want to convert commercial loans into provident fund loans, the information you need to provide mainly includes.
Second, the specific analysis
1, personal identity card, household registration book (married people need to prepare a marriage certificate with their spouse).
2. Real estate license and state-owned land use certificate.
3. The loan contract signed with the handling bank and the purchase contract signed with the real estate developer when handling the original commercial loan purchase.
4. Detailed repayment records issued by the original commercial loan bank and proof of the original commercial loan balance and remaining term as of the date of applying for transfer to provident fund loan.
5, the local housing provident fund management center approved by the housing assessment agencies issued by the housing assessment report.
6. Notarized letter of intent for mortgage issued by the owner of the house property.
7. Housing mortgage certificate provided by the original commercial loan bank and stamped with the official seal of the bank (faster mortgage certificate or housing ownership certificate).
If you don't know what information you need to prepare, you can also contact the staff of the local housing provident fund management center by phone before the business is transferred to the public, so as to avoid carrying insufficient information and affecting business handling.
There are many online loan big data systems that can provide online loan records, which can be found: Xiaoqi New Tea. You can query important data information such as online loan application record, application platform type, overdue, overdue amount, credit card and online loan credit estimated amount.
Third, how to handle the personal provident fund?
If the provident fund is handled by individuals, it must be individual industrial and commercial households or freelancers (and only allowed in some areas). The specific steps are as follows.
Step one.
Prepare personal identity card, proof of payment of endowment insurance or income tax in the previous year, employment registration certificate (registered as unemployed), passbook of personal savings account or bank card of the bank, etc.
Step two.
Bring the above information to the local housing provident fund management center to apply for opening an individual housing provident fund account.
Step three.
After examination and approval, the housing provident fund management center signed an agreement with the housing provident fund management center to collect and deposit the provident fund, and opened an account to realize automatic monthly collection.
Non-individual industrial and commercial households and freelancers can choose a professional human resources service company to open an account and pay the provident fund if they cannot join a certain unit.