Operating Steps of Converting Commercial Loan to Housing Provident Fund Loan: 1. Individuals who meet the conditions of housing provident fund loans can choose from three ways. 2. The customer can first settle the original bank loan through self-raised funds and cancel the mortgage of the original property. After re-mortgage, the provident fund center will lend the money to the customer's deposit account. 3. The customer paid a down payment and used another house of himself or his spouse or immediate family as collateral. Provident fund center can lend money to customers, and customers will refund the deposit after paying off the original loan.

"Regulations on the Management of Housing Provident Fund" Article 24 Employees may withdraw the balance of the housing provident fund account under any of the following circumstances: (1) purchasing, building, renovating or overhauling their own houses; (2) retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (six) the rent exceeds the prescribed proportion of family wage income.

There are a thousand hamlets in a thousand people. In any case, there are no two identical leaves in the world. Everyone has different views and opinions, and everyone will have different criteria for judging the same thing. My answer may not be the most standard and correct, but I also hope to give you some help and get your approval. Thank you!

What are the conditions for commercial loans to be converted into provident fund loans?

1. When the original commercial loan is converted into a provident fund loan, the principal balance must be less than the loanable amount of the applicant's provident fund;

2. Being able to provide the guarantee recognized by the center;

3. Continuous full deposit of provident fund for more than 6 months;

4. The applicant's husband and wife shall not have outstanding provident fund loans;

5. The original commercial loan has been repaid normally for more than 1 year, and the repayment record is good.

Can commercial loans be converted into provident fund loans?

Undoubtedly, commercial loans can be converted into housing provident fund loans. Usually, there are two ways to convert commercial loans into provident fund loans. One way is to repay the loan first, and the lender pays off the commercial loan first. The other way is to pay off the loan by loan, and the lender should pay off the difference between the principal and interest balance of commercial loans and commercial loans in advance. Although the bank will say that commercial loans can be converted into provident fund loans, you need to apply for them yourself. It's hard to say whether you can apply. The following question will be explained to you carefully.

I. Information to be provided when commercial loans are converted into provident fund loans

1. Original and photocopy of ID card, household registration book and marriage certificate of the lender and spouse.

2 original and photocopy of the house ownership certificate and state-owned land use certificate of the house purchased by the original commercial loan.

3. The original loan mortgage contract of the house purchased by the original commercial loan and a copy of the commodity (economic) house sales contract or the stock house sales contract;

4. The repayment record of the lender's original commercial loan issued by the original commercial loan bank and the proof of the balance and remaining term of the original commercial loan as of the date of applying for the transfer to the provident fund loan;

5. The housing appraisal report issued by the housing appraisal agency recognized by the management center on the transfer of second-hand housing business loans to provident fund loans;

6. A notarized statement of consent to mortgage issued by the owner of the house property;

7. A copy of the mortgage certificate of the house purchased by the original commercial loan provided by the original commercial loan bank (the mortgage certificate of the auction house or the house ownership certificate), and stamped with the official seal of the bank;

Two, commercial loans to provident fund loans matters needing attention

1, depending on your remaining repayment period.

If buyers are in the early stage of commercial loan repayment, it is still a good choice to convert commercial loans into provident fund loans at this time, but if they are already in the late stage of repayment, there is no need to convert commercial loans into public loans.

2. Do you consider prepayment?

If the buyers intend to pay off all the loans in advance, then there is no need to consider the matter of transferring commercial loans to provident fund loans. In fact, corporate commercial loans are generally based on the contract with the original bank, and a certain fine may be required after obtaining the consent of the original bank. In addition, the expenses that may be incurred during the transfer of corporate commercial loans may not be cost-effective.

In short, it is more complicated to transfer commercial loans to housing provident fund loans, and everyone can decide whether to transfer them according to their actual situation.

How to transfer commercial loans to provident fund loans? There are several ways.

How to transfer commercial loans to provident fund loans?

There are three ways to transfer commercial loans to provident fund loans:

1 The borrower shall first settle the loan amount of the loan bank, and cancel the mortgage of the commercial bank when the property is mortgaged. After going through the mortgage formalities again, the provident fund center will lend the funds in the provident fund account to the borrower's deposit account. It should be noted that the borrower must first settle the bank loan by self-financing;

The borrower pays a certain deposit first, and takes other property of himself or other immediate family members as collateral. The provident fund center can lend to the borrower, and the borrower will refund the deposit after settling the original loan;

3. The third-party guarantee company advances the borrower to repay the original loan amount, the customer pays the advance fee and deposit with credit, and the guarantor provides phased guarantee. After the guarantee comes into effect, the provident fund center will lend the money to the borrower's account, and then the guarantee company will refund the deposit to the borrower.

The above are three ways to transfer commercial loans to provident fund loans, but we must also see whether the conditions for transferring loans are met, as follows:

1 The applicant's provident fund account is in a normal deposit state and has been paid normally for more than one year.

2. The borrower must be the borrower of the original housing loan;

3. The original commercial loan has not been settled, and the lending bank agrees to repay in advance;

4 The purchased property has obtained the house ownership certificate issued by the house registration department where the property is located;

The normal repayment period of commercial loans must be more than one year, and there is no bad credit record.

The above are the requirements and methods for commercial loans to provident fund loans. If you meet the relevant conditions, you can apply for refinancing to reduce the loan pressure.

How to transfer commercial loans to provident fund loans

1. Can commercial loans be converted into provident fund loans?

Commercial loans can be converted into provident fund loans, but the following conditions must be met:

1. When the borrower applies for a loan at the place where the provident fund loan is applied, the provident fund is in a normal deposit state;

2, the applicant or * * * and the applicant's unit in accordance with the provisions for the borrower to pay housing provident fund for more than a month;

3. The applicant has a stable economic income and the ability to repay the loan;

4. The applicant agrees to provide the approved loan guarantee method;

5. The applicant and * * * together with the applicant, including the spouse, have no outstanding loans or other debts except the loan transferred to the provident fund;

6. The "Property Ownership Certificate" or "Housing Advance Notice Registration Certificate" involving provident fund loans in commercial loans has been completed and mortgage registration procedures can be handled;

7. The normal repayment period of commercial loans is more than years and there is no record of overdue repayment;

8. Portfolio loans cannot be converted from commercial loans to provident fund loans;

9, commercial loans to provident fund loans can only apply for pure provident fund loans;

Second, how to transfer commercial loans to provident fund loans?

1, consultation accepted. If the sub-loan applicant meets the loan conditions after consultation with the original commercial loan bank, the bank staff shall guide the borrower to fill in the personal housing provident fund loan folder correctly and completely.

2. Submission of materials. Submit the relevant information stipulated by the lending institution.

3. Loan acceptance. For eligible borrowers, the entrusted bank conducts a preliminary examination before lending in the provident fund system, and determines the loan amount, term, interest rate and repayment method through consultation with the borrowers according to the preliminary examination results and repayment ability; The entrusted bank conducts the preliminary examination in the provident fund system. If the preliminary examination fails, the borrower shall be notified in time and the reasons shall be informed.

4. Sign the contract. The loan applicant signed a loan (mortgage) contract with the original commercial loan bank, and signed a guarantee contract with the guarantee company designated by the management under the guidance of the bank.

5. Pre-deposited funds. The loan applicant will deposit the difference between the original commercial loan balance and the refinancing into a special deposit account opened by the refinancing bank, and settle the original commercial loan in advance with its own funds.

6. Loan issuance. Manage the issuance of loan funds, and the loan bank informs the loan borrower to use the provident fund loan funds and the borrower's pre-deposited funds to settle the original commercial loan at the same time.

Third, how to convert commercial loans into provident fund loans (process)

7. Apply for a mortgage. The guarantee company will handle the cancellation procedures of the original commercial loan real estate mortgage on its behalf, and complete the registration procedures such as mortgage transfer of provident fund loans.

How to transfer commercial loans from mortgage to provident fund

There are many cases of borrowing from commercial banks because of buying second-hand houses or developers not supporting provident fund loans. The loan interest rate of commercial banks is much higher than the provident fund, and the provident fund itself does not generate any income, which is a double loss for those who have the provident fund. So if you buy a house with a commercial loan and have a provident fund, you'd better turn it into a provident fund loan. For example, a loan of 280,000 yuan from a commercial bank, with a term of 20 years and equal principal and interest, repays about 1.83 yuan/month, while the provident fund only has 1.400 yuan/month. If the provident fund account has money, you can also apply for hedging. If you hedge for 65,438+0,000 months,

First go to the provident fund center where the property is located for consultation, and ask about the materials to be prepared and the details to be paid attention to. Be sure to ask whether your situation can be changed from commercial loan to provident fund loan. There are many conditions for converting a commercial loan into a corporate loan. You must meet certain conditions before you can get a loan. Otherwise, you will be passive in paying back the money here.

Second, pay off the loan in a commercial bank and go to the bank to print the bank's half-year running water and loan settlement certificate. Note that the preliminary examination materials submitted by the provident fund are required to be processed within 30 days after the bank issues the settlement certificate.

Three, item by item to prepare the materials needed for the provident fund, and submit the materials to the special audit window of the provident fund center for preliminary examination. After the preliminary examination, wait for the notice from the provident fund center, usually by SMS. Be sure to avoid missing the time.

Fourth, the original materials of the preliminary examination should be brought with you during the interview, and scanned and entered into the system by the provident fund center. After the interview, there are several processes, which are generally described, and candidates can follow the process.

Fifth, after the interview, I went to the real estate center to go through the mortgage formalities. Five days later, I will pay the fee and send the mortgage registration form to the provident fund center. Mortgage procedures should bring ID card, real estate license, provident fund related forms.

Sixth, apply for loan mortgage, take your real estate license to the real estate center for mortgage, and hand over the mortgage form to the provident fund center. At this point, all the procedures for the transfer of public services have been completed, waiting patiently for the loan.