the borrower needs to pay the housing provident fund in the local area for more than 6 months, and the provident fund account is in a normal deposit state, and the payment cannot be stopped during this period.
In addition, the borrower's commercial loan repayment time has been over one year. During the repayment period, the borrower has no experience in loans overdue, and his credit record is good, and there is no other credit stain.
if you want to handle the refinancing business, according to the regulations, only the borrower of the original housing loan or the spouse of the same borrower can apply.
in addition, the property purchased by the borrower has obtained the property ownership certificate issued by the local real estate registration department.
after meeting these loan conditions, the borrower needs to go to the loan application bank to apply for a commercial loan to transfer to a provident fund loan.
if the bank doesn't agree, there is no way for the borrower to transfer.
if the bank agrees, the borrower needs to go through a series of formalities.
it is also necessary to remind the borrower that the amount of business-to-public loan applied for is within the maximum amount of housing provident fund loan announced by the local housing provident fund management Committee and the balance of the original commercial housing loan.
Only pure commercial loans can be converted into provident fund loans. If you handle portfolio loans, you cannot convert part of commercial loans into provident fund loans.
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Extended information:
What are the loan conditions for the house buyer to change from loan to provident fund?
there are the following conditions that need to be met when a house buyer transfers a loan to a provident fund loan.
1. The local provident fund has been deposited, and it has been paid in full and on time for six consecutive months. At present, the provident fund account is in a normal state of deposit, and no provident fund loan has been made under its name or has been settled.
2. Only accept the application of the borrower or spouse of the original housing loan.
3. The original commercial loan has been repaid for one year, with a good credit record and no overdue behavior.
4. The purchased property has obtained the property ownership certificate issued by the local real estate registration department.
5. The amount of business-to-public loan applied for is within the maximum loan amount of provident fund loans stipulated by the local provident fund management center and the original commercial loan balance.