Changzhou Housing Provident Fund ***Lender Change Process

The process is: Changzhou Provident Fund Loan Change Borrower Application Materials

1. ID Card< /p>

2. House purchase contract or house ownership certificate

3. Both the previous borrower and the current changing party of the loan must be present at the same time to apply

Note that the newly applied loan shall not exceed the remaining principal of the original loan and the maximum limit for a single person is 300,000 yuan.

When the party who obtains the property rights re-applies for a loan, the loan record will not be added. The other party will no longer participate in the loan repayment of the house. However, because there is already a loan record, the next time he applies for a provident fund loan You will not be able to enjoy some policy benefits for first-time applicants.

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What materials are needed to apply for a provident fund loan borrower change in Shanghai? ? How are the materials different for different people?

Materials for changing Shanghai provident fund loan borrowers

1. Identity certificate and household registration certificate: the borrower before and after the change, the same borrower, the owner of the property and the spouse of the above-mentioned person The original ID card (minors who do not have an ID card should provide a birth certificate), the borrower before and after the change, the same borrower, the owner of the property rights, and the full original and copy of the household registration book; provided by Hong Kong, Macao and Taiwan residents Original Mainland Travel Permit for Hong Kong and Macao residents, Mainland Travel Permit for Taiwan residents, or Residence Permit for Hong Kong, Macao and Taiwan residents; foreigners and those who have obtained permanent (long-term) residency abroad shall provide the original passport, and provide a Chinese translation confirmed by my signature; Hong Kong, Macao, Taiwan and foreigners Domestic contact information (name, ID number and contact information) and identity document are required. If the above-mentioned person is an adult with limited (no) capacity for civil conduct, the original and copy of the guardianship certificate should be provided.

2. Proof of relationship: originals and copies of marriage certificate, household register, birth certificate, only child certificate, etc. that can reflect the applicant’s relationship before and after the change. If you are single, you should provide the original single commitment letter. People from Hong Kong, Macao and Taiwan who have not registered their marriage in the Mainland (Mainland) must provide the original and copy of the marriage certificate notarized by the notary office in the place of residence (Hong Kong, Macao or Taiwan). Married people in Taiwan can provide Taiwan ID cards (see family members on the back) Details); if the marriage is registered overseas, a certificate issued by a notary institution or competent authority in the country where the marriage is located and certified by the People's Republic of China and the country's embassy (consulate) in that country or the country's embassy (consulate) in China should be provided The original and copy of the certified marriage certificate, if it is in a foreign language, must provide the original and copy of the translation issued by a formal translation agency.

3. Proof of reason for change: If the original borrower is divorced, provide the divorce certificate, the divorce agreement proving the property rights of the house and the ownership of debts and stamping it, or the original and copy of the effective judgment or mediation letter; If the borrower dies or is declared dead, the original and copy of the death certificate or judgment declaring death, the notary certificate proving the property rights of the house and the ownership of the debt, the inheritance rights or the bequest, the judgment or the mediation letter shall be provided. People from Hong Kong, Macao and Taiwan who have not registered in the Mainland (Mainland) must provide the original and photocopy of the divorce certificate and death certificate notarized by the notary authority in the place of residence (Hong Kong, Macao or Taiwan); foreigners must provide the original and photocopy of the divorce certificate and death certificate certified by the People's Republic of China and the country's Embassy in that country. The original and copy of the divorce certificate and death certificate certified by the country's embassy (consulate) or the country's embassy (consulate) in China.

4. Provident Fund Loan Contract: Original Provident Fund Loan Contract.

5. Proof of property rights: original copy of real estate title certificate registration certificate.

6. Repayment account: Original Class I debit card in the name of the borrower after the change.

7. If you apply for changes to housing with guaranteed property rights before the 2016 batch (not included), you must provide relevant proposals issued by the housing center agreeing to the changes and adjustments.

8. Other materials required by the Municipal Provident Fund Center.

Can the primary lender of a housing provident fund loan be changed?

The mortgage repayer, the borrower, cannot be changed. If you want to change, you have to follow the same procedures as when applying for a loan for the first time. You need to submit the new borrower's materials to the bank to apply for a loan, and before that, you have to pay off all the bank debt.

It is possible to loan it out again. Unless it is between husband and wife or divorced, some banks can handle changing the mortgage repayer, but you need to pay a handling fee.

If it is a housing provident fund loan, if the borrower encounters the following circumstances, the borrower's spouse or heir or legatee of the property ownership may apply to change the housing loan repayer before the termination of the personal housing provident fund loan contract: < /p>

(1) The borrower is divorced and the house ownership rights are transferred to the spouse;

(2) The borrower completely loses his capacity for civil conduct;

(3) ) The borrower dies or is declared dead.

Extended information:

Features:

(1) Universality, urban employees, regardless of the nature of their work unit, the level of their family income, or whether they have existing For housing, all housing provident funds must be paid and deposited in accordance with the provisions of the "Regulations";

(2) Mandatory (policy), the unit does not handle the registration of housing provident fund deposits or does not handle housing provident fund accounts for its employees If established, the management center of the housing provident fund has the power to order it to be handled within a time limit. If it is not handled within the time limit, it can be punished according to the relevant provisions of the "Regulations" and can apply for compulsory execution by the people;

(3) Welfare, In addition to the housing provident fund paid by employees, the unit must also pay a certain amount for employees, and the interest rate of housing provident fund loans is lower than that of commercial loans;

(4) Returnability, when employees retire, retire, or If the employee completely loses the ability to work and terminates the labor relationship with the employer, moves out of residence or settles abroad, the housing provident fund paid will be returned to the individual employee.