Commercial loans can be converted into housing provident fund loans.

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

Meet the application conditions for housing provident fund loans in this Municipality;

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

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

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

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

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

Never applied for a housing provident fund loan.

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

Original purchase contract;

Original purchase invoice issued by the tax department;

Original Property Ownership Certificate and Land Certificate;

Original ID cards of both husband and wife (valid for more than one year);

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

Original household registration book;

Original bank settlement voucher and repayment voucher;

Original loan contract signed with the bank.

Can commercial loans be converted into provident fund loans?

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

The answer is that you can transfer if you meet the conditions.

2. What are the conditions for converting commercial loans into provident fund loans?

1. The housing accumulation fund has been paid continuously and normally for more than six months.

2. The property purchased by the original commercial loan is commercial housing (excluding second-hand housing).

3. The real estate license has been obtained.

4. The repayment must be over one year, and the default records of the last 24 periods of the original commercial loan show that it does not exceed two consecutive periods or four cumulative periods.

Required information:

1. The repayment details of the last 24 installments issued by the original lending bank, if not more than 24 installments, provide all repayment records (including monthly repayment details, default interest, compound interest, etc. ) and stamped with the bank seal;

2. Two copies of the original loan contract, mortgage contract and house purchase contract;

3. Two copies of the real estate license;

4. Two copies of husband and wife's ID card, household registration book and marriage certificate;

5. Divorced persons shall provide 2 divorce certificates (civil mediation or judgment, with valid judgment certificate delivered or issued);

6. Two original income certificates issued by both husband and wife units (sealed by the competent department of wages);

7. The accounting department of the borrower's unit provides an eight-digit personal provident fund account number, such as "/10 xxxxxxxx".

Please click to enter the picture description (maximum 18 words).

Can commercial loans be converted into provident fund loans?

China Bank commercial loans to provident fund loans are only provided in a few areas, specifically according to the requirements of local provident fund centers. The loan bank can remain unchanged, or it can be transferred to the designated bank for provident fund loans, subject to the requirements of the local provident fund center. It is recommended to consult the local provident fund center or specific BOC handling outlets in detail.

The above contents are for your reference. Please refer to the actual business regulations.

Can commercial loans be converted into provident fund loans?

Commercial loans can be converted into provident fund loans. First, the lender's provident fund must be in a stable and normal state, and the lender's company must pay the provident fund for it for more than one month. Secondly, the bank should check whether the lender has a stable income to repay the loan and fully recognize the guarantee scheme stipulated in the loan. After meeting all relevant requirements, the lender can submit an application and sign a contract after approval.

Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.

20 12 some cities relaxed the conditions of provident fund loans, among which the upper limit of housing provident fund loans in 9 counties of Linyi City, Shandong Province was raised from 200,000 yuan to 300,000 yuan from June 1.

20 14, 10 In June, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China issued a document, including relaxing the conditions of provident fund loans, promoting loans in different places, reducing intermediate costs, canceling the housing provident fund personal housing loan insurance, notarization, new house evaluation and compulsory institutional guarantee, and reducing the burden on loan workers. Among them, employees who have paid for 6 months can apply for provident fund loans (currently 12 months).

Provident fund loans refer to individual housing provident fund loans, which are issued by local housing provident fund management centers. With the housing provident fund paid by employees who apply for provident fund loans, commercial banks are entrusted to provide mortgage loans to housing provident fund depositors who purchase, build, renovate or overhaul their own houses and retired employees who pay housing provident fund during their working life. According to the regulations, employees who have paid housing provident fund for a certain number of years or more (the number of years varies from city to city, such as 12 months or more in Changsha) can apply for provident fund loans when the funds for purchasing, building, renovating or overhauling their own houses are insufficient.

The loan conditions are: the employees of the unit have signed labor contracts for more than three years (or signed 1 year labor contracts for three consecutive years); Normal continuous monthly housing provident fund deposit exceeds a certain period; Not exceeding the statutory retirement age; The borrower has a stable economic income and the ability to repay the principal and interest; The borrower agrees to handle the mortgage registration and insurance; Provide the guarantee method agreed by the local housing provident fund management center and its sub-centers; At the same time, submit relevant documents required by the bank, such as house purchase contract or house pre-sale contract, real estate license, land use certificate, deposit certificate of provident fund, etc.

Can commercial loans be converted into provident fund loans? Can I use the provident fund loan?

Generally speaking, commercial loans cannot be transferred to provident fund loans. If you have already paid the provident fund, you will have the opportunity to write a transfer check from the provident fund to repay the commercial loan in advance every year. Unable to convert loan type. The application is a commercial loan and cannot be changed into a provident fund loan. (1) The sub-lender holds legal identity documents and has full capacity for civil conduct; (2) Agree to settle the balance of the original commercial loan in advance; (3) The original commercial loan has been repaid normally for 6 months or more, and the repayment is normal during the loan period, and there is no overdue loan, and the original commercial loan repayment record and loan balance certificate issued by the lending bank are provided; (4) The house purchased by the original commercial loan has been handled with the Property Ownership Certificate and the State-owned Land Use Certificate; (5) The sub-lender and its spouse have good credit, and agree that the entrusted bank can inquire and print the personal credit report, which is in line with the credit review standard of the personal housing provident fund loan of the management center (hereinafter referred to as the credit review standard); (6) It has a stable economic income and the ability to repay the principal and interest of the loan on time (the proof of economic income should be accompanied by the income details of wages (including bonuses) for the last 6 months or more or personal tax records); (seven) no outstanding provident fund loans, no other debts that affect the repayment ability of provident fund loans; (eight) agreed to provide loan guarantee for the transfer of provident fund by the guarantee institution recognized by the management center; (9) The borrower of the original commercial loan is single and married when applying for transferring to the provident fund loan, and it is required to issue the notarial certificate of the property right of the house purchased by the original commercial loan and the repayment statement of * * * *. (10) If the original commercial loan borrower has divorced, and it is clear in the judgment, ruling or divorce agreement that the property ownership is no longer in the name of the original commercial loan borrower, neither the original commercial loan borrower nor his spouse may apply for a loan to transfer to the provident fund; (1 1) The purchaser of the original commercial loan house was jointly purchased by his parents and children (not including multiple children), so he can apply for transferring to provident fund loans, but he must * * sign a mortgage contract for transferring to provident fund loans, provide a statement that the owner of the house agrees to use the house as mortgage for provident fund loans, and * * * repay the loan by notarization. The identification of immediate family members of parents and children is based on the household registration book, the certificate of the household registration jurisdiction department or other legally effective identification methods; (twelve) the original commercial loan borrower has not paid the provident fund, and his spouse has paid the provident fund normally, which meets the conditions for transferring to the provident fund loan, and may apply for a second loan.

Can commercial loans be converted into provident fund loans?

Commercial loans can be transferred to provident fund loans.

1. The borrower takes the above materials to the provident fund center, and after the preliminary examination by the center staff, the borrower entrusts the bank to issue a credit report. If the credit is good, go to the next step.

Two, fill in the "commercial housing loan to provident fund loan application approval form", the borrower with this form to the original loan bank credit department seal, and from the bank to other warrants copy (need to build the official seal of the bank).

3. The borrower returns to the provident fund center with a copy of the refinancing application form and other warrants. After the staff of the center passes the review, the guarantee company will issue a check, and the borrower will pay off the loan balance with the check at the original loan bank.

Four, the borrower to the provident fund center to sign a loan contract, guarantee contract and pay the guarantee fee.

Related knowledge supplement:

First, the cost.

1. The capital occupation fee shall be collected by the guarantee company.

2. The guarantee fee shall be collected by the guarantee company. There are two ways to collect: if it is paid off in advance, it will not be refunded: loan amount × loan period × 0.7 ‰; Pay off in advance and return in proportion: loan amount × loan term × 1‰.

Two, apply for "commercial loans to provident fund loans" borrowers should meet the conditions.

1. Meet the application conditions of housing provident fund loan in our city.

2. The borrower must be the borrower or spouse of the original housing loan (the purchaser is required).

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

4. The original commercial housing purchase 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 house ownership certificate issued by the local real estate registration department, and it is a steel-concrete structure.

6. Commercial loans that can be mortgaged for the purchased property can be converted into provident fund loans.

7. Did not apply for housing provident fund loans.

Third, the application procedure.

1. The applicant submits an application to the municipal housing provident fund management center or the county and city management department (hereinafter referred to as the center) with the above information.

2. If the center meets the requirements after examination, the housing provident fund loan text shall be issued.

3. The applicant shall prepare relevant materials as required and submit them to the Center together with the completed loan text.

4. If the center approves the loan after the audit, it shall determine the loan amount, term, interest rate and mortgage method, and issue the Notice of Personal Housing Entrusted Loan of Xuancheng Housing Provident Fund.

5. The applicant shall sign the housing provident fund loan contract and mortgage contract with the entrusted loan notice and related materials to the entrusted bank.

6. The applicant holds the housing provident fund loan contract and mortgage contract to the real estate management department for mortgage change registration or mortgage transfer registration.

7. The Center will issue a transfer check with the Housing Provident Fund Loan Contract and the mortgagee's change registration certificate to return the principal of the commercial personal housing loan owed by the applicant.