1. Why Postal Savings Bank does not support commercial transfer of housing provident funds

Postal Savings Bank does not support commercial transfer of housing provident funds due to regulations in some areas. According to relevant information, only provident fund management centers in some areas have cooperated with banks to carry out commercial housing loan-to-provident fund loan business. If you have any needs in this regard, please consult the local provident fund management center in time.

2. Can Tai'an Postal Savings Commercial Loan be converted into a provident fund loan?

To convert a commercial loan into a provident fund loan, the borrower should meet the following 7 conditions at the same time:

1. Meet the city’s housing provident fund loan application conditions;

2. The borrower must be the borrower or spouse of the original housing loan (must be the buyer);

3. The original The commercial house purchase loan has not been settled and the bank agrees with the borrower to settle the loan early;

4. The original commercial house purchase loan has been repaid for more than one year (inclusive), the credit record is good, and there is no overdue loan balance;< /p>

5. The property purchased has obtained the house ownership certificate issued by the local real estate registration department, and is a steel-concrete structure;

6. Commercial loans that can set mortgage rights for the purchased property can be Transfer to provident fund loan;

7. Those who have not applied for a housing provident fund loan.

Documents required for converting commercial loan to provident fund loan (all documents must be original):

1. Original house purchase contract;

2. Taxation department Original house purchase invoice issued;

3. Original "House Ownership Certificate" and "Land Certificate";

4. Original ID cards of both spouses (more than one year from expiration date) ;

5. Original marriage certificate or original single certificate (single certificate stamped with the official administrative seal of the unit);

6. Original household registration book;

7. Bank Original settlement certificate and repayment voucher;

8. Original "Loan Contract" signed with the bank.

3. Can Postal Bank convert commercial loans into provident fund loans?

Yes. To convert a personal commercial loan into a provident fund loan, you need to meet the conditions for converting a commercial loan into a provident fund loan. The main conditions for converting commercial loans into provident fund loans are:

1. Personal commercial loans have been repaid continuously for more than 1 year;

2. Personal provident funds have been paid continuously for more than 1 year;

3. Houses that are transferred to provident fund loans are required to be registered at the local city money center and have formal and legal residential development projects;

4. Individuals are required to transfer commercial loans. Provident fund loans require the consent of the original commercial loan bank. Therefore, when taking a loan to buy a house, if the borrower first chooses a commercial loan, it can also be converted to a provident fund loan if certain conditions are met. However, the conditions for converting commercial loans to provident fund loans are generally better, and the conditions required by different places are somewhat different. Before applying for a commercial loan or a provident fund loan, you should consult carefully before deciding whether to apply.

4. If I apply for a commercial loan at the Postal Savings Bank now, can I switch to a provident fund loan in the future?

The loan for buying a house is decided from the beginning. What form do you want to take it in? Since you have chosen a commercial loan, after the application is successful, it is not allowed to convert it to a provident fund loan. Current national policies do not support it. Such conversion.

I hope it can help you and hope you will adopt it!