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 commercial loans to be made public, and you must meet certain conditions before you can borrow. 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.

How to transfer commercial loans to housing provident fund loans

There are many conditions for commercial loans to be converted into provident fund loans. The policies of each city vary due to geographical restrictions, but generally meet the following requirements.

1, which meets the requirements of local provident fund loans.

This is the first premise. Since it is to be converted into a provident fund loan, it must also meet some requirements for provident fund loans. These requirements also vary from city to city, depending on the rules and regulations of relevant local departments.

2. The unit that needs to issue commercial loans agrees.

Generally speaking, commercial loans are provided by banks. If you want to convert it into a provident fund loan, it means that the interest charged by the bank will be reduced, so you need to communicate with them and ask them to cooperate.

3. The purchased property has obtained the title certificate.

If you want to convert a commercial loan into a provident fund loan, then you need to issue the property certificate of the house you bought, which is also essential because you need it as a mortgage. Others need some conditions, such as stable income, continuous payment of provident fund and relevant procedures. Of course, the specific situation needs to be subject to the relevant local departments.

How to transfer commercial loans to provident fund loans?

It usually takes 20 to 30 years for people to apply for a mortgage when buying a house. Take Changsha as an example. At present, the benchmark interest rate for the first home commercial loan is 4.9%, and the provident fund loan is 3.25%. After 20 to 30 years, the interest on commercial mortgage will be much higher.

Take Changsha as an example. If you want to transfer commercial loans to provident fund loans, there are generally two ways.

1. Pay off the commercial loan first, and then make a provident fund loan after obtaining the real estate license. That is to say, collect money first, and then apply to the bank to repay the commercial loan in advance (some banks will charge one month's loan interest as liquidated damages). Finally, mortgage the property certificate of the house to the relevant departments for provident fund loans.

2. Take another house as collateral (there must be a property right certificate or real estate license) and make a provident fund loan. Specifically, fill in the loan application form and provide relevant identification and other materials (ID card, household registration book, marriage certificate, etc. ) and to the relevant units for processing.

Because of regional differences, you can make some basic preparations. Even if it meets the conversion requirements, it is not necessary to convert. If the commercial loan is almost the same, there is no need to change it. Secondly, if you enjoy the preferential interest rate when buying a house, it is not necessary that the interest rate of the commercial loan itself is not much different from the provident fund.

It is best to get a provident fund loan when buying a house. After all, interest can save a lot of money. Even if you don't meet the conditions for provident fund loans at that time, it's no problem to get a commercial loan first and then transfer it later. It's just a little troublesome, but don't be too troublesome. After all, interest rate concessions are here.

How to convert commercial loans into provident fund loans?

Commercial loans can be converted into housing provident fund loans.

I. When a commercial loan is converted into a provident fund loan, the borrower shall meet the following seven conditions:

1, which meets the application conditions for housing provident fund loans in this city;

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

3. The original commercial housing purchase loan has not been settled, and the bank agrees that the borrower will settle the loan in advance;

4. The original commercial housing loan has been repaid for more than one year (inclusive), with a good credit record and no overdue loan balance;

5. The purchased property has obtained the real estate license issued by the local real estate registration department, and it has a steel-concrete structure;

6. Commercial loans that can be mortgaged for the purchased real estate can be converted into provident fund loans;

7, did not apply for housing provident fund loans.

Two. Materials required for the conditions of transferring commercial loans to provident fund loans (all materials must be original):

1, the original purchase contract;

2. The original purchase invoice issued by the tax department;

3. Original property certificate and land certificate;

4. The original ID cards of both husband and wife (valid for more than one year);

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

6. Original residence booklet;

7. Original bank settlement voucher and repayment voucher;

8. Original loan contract signed with the bank.

Extended data:

Letter of credit clause

1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.

2. To participate in the housing provident fund system, if you want to apply for a housing provident fund personal purchase loan, you must also meet the following conditions: that is, the housing provident fund has been continuously paid for at least 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.

3. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.

5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.