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. Can provide the guarantee recognized by the center.

3, continuous full deposit provident fund for more than 6 months.

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

Jiaxing Ping An Bank cannot transfer to the provident fund.

You can turn.

According to the operation of Jiaxing housing provident fund at this level, from June 20, 2022, the entrusted bank housing provident fund extension service outlets will accept applications for commercial personal housing loans that meet the application conditions and will be issued before June 30, 2020.

Specifically, the entrusted bank will accept commercial loans in turn by appointment according to the time of issuance. That is to say, from the day after tomorrow, commercial loans that meet the application conditions for commercial-to-public loans and the issuance date of commercial personal housing loans is before June 30, 2020 can apply for transfer to provident fund loans.

The new loan term applied by the property buyers must be within the time limit stipulated by the provident fund loan, and the longest loan term shall not exceed the remaining loan term of the original "commercial loan". If it is a partial loan, the remaining commercial loan term is the same as the provident fund loan term. In addition, if the deposit place of the provident fund and the location of the loan house are not in the same county, city or district administrative area, the applicant shall apply to the management center where the loan house is located to convert the commercial loan in different places into a provident fund loan.

Jiaxing provident fund loan policy and quota

Jiaxing provident fund loan ceiling is up to 350,000. If the husband and wife have continuously paid the housing provident fund for one year, the upper limit of the housing provident fund loan amount is 350,000 yuan; If the husband and wife unilaterally or single employees continuously deposit the housing provident fund for 1 year, the upper limit of the housing provident fund loan amount is 250,000 yuan. Jiaxing housing provident fund loan interest rate is 4.00% for loans with a term of less than 5 years and 4.50% for loans with a term of more than 5 years.

1. For newly purchased self-occupied housing in Jiaxing, the loanable amount is 70% of the total house price;

2. Buy fully decorated and finely decorated houses in Jiaxing, and the loanable amount is 50% of the total house price;

3. If you buy a second-hand house in Jiaxing, the loan amount is 70% of the total price of the house purchased (the lowest of the sales price and the evaluation price);

4. For the construction, renovation and overhaul of self-occupied housing in Jiaxing city, the higher loan amount is 60% of the cost of housing construction and repair projects;

5. The loanable amount of Jiaxing housing provident fund = (the salary base for the borrower to calculate the monthly contribution of housing provident fund and the salary base for the borrower's spouse to calculate the monthly contribution of housing provident fund) ××× repayment ratio (currently 40%)× loan months.

Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.

Can Jiaxing Everbright Bank transfer to provident fund?

Jiaxing Everbright Bank can transfer to the provident fund. After one year of normal repayment of commercial loans, the remaining loan amount is added to the loanable amount of your provident fund, and the provident fund has not been withdrawn within one year of normal deposit. Meet the loan conditions, you can apply for the provident fund to loan business.

However, the loan amount of provident fund is very limited. If your commercial loan amount is high, it can't be completely converted into a provident fund loan. You can go directly to the housing provident fund management center, bring your ID card and unit certificate, and finally go to the bank to handle the conversion procedures.

How does Jiaxing's commercial housing loan turn into provident fund loan?

If you have purchased a house in Jiaxing and applied for a commercial personal housing loan (excluding a personal housing provident fund portfolio loan) from the entrusted bank that undertakes the housing provident fund financial business, you must meet the following application conditions when applying for a provident fund loan commercial loan, and submit relevant materials and supporting documents.

Now Jiaxing mortgage has a special person to handle it, and the success rate is very high. It can be received within 24 hours at the earliest.

I. Processing conditions:

1. The purchased house is occupied;

2. Have a permanent residence in this city or a valid residence certificate;

3. Before applying for a loan, the housing provident fund has been paid normally for 6 consecutive months;

4. The commercial personal housing loan has not been settled, and the house purchased is an existing house, and the "Property Ownership Certificate" has been completed; The purchased house is an auction house that has not been delivered for use (the house notice registration certificate must be filled in). If it is not completed, it must be reissued or issued with the house ownership certificate before the delivery date;

5. Have a stable economic income, no bad credit record, and the ability to repay the principal and interest of the loan as required;

6. Commercial loans have been repaid normally for more than one year, with no overdue records;

7. The borrowers who apply for the transfer of provident fund loans are the original commercial loan borrowers (the applicant 18 years old to the legal retirement age) and their spouses or property owners of lineal relatives within the second generation (the female is 18 years old to 60 years old and the male is 18 years old to 65 years old at the time of application);

8. No housing provident fund loans will be issued to the families of paid workers who purchase the third and above houses.

Second, submit information:

1. Housing accumulation fund of the borrower and spouse;

2. Repayment card of the original commercial individual housing loan borrower (original and photocopy 1 copy);

3. Original commercial individual housing loan contract and house purchase contract (including mortgage contract) (original and copy 1 copy);

4. Identity cards of the borrower and his spouse (original and photocopy 1 copy);

5. The household registration book of the borrower and his/her spouse, and the valid residence certificate (original and photocopy1) are also required for foreign household registration;

6. The borrower's marriage certificate (original and photocopy 1 copy);

7. The borrower's repayment record and loan balance list in the commercial loan bank (details of repayment record in the latest year, valid in the current month) (original);

8. Proof of housing registration information issued by the housing property registration department of the place where the provident fund is deposited and the place where the house is purchased (the original is valid for one month); The depositor of the loan in different places in the province shall provide the certificate issued by the local housing provident fund management center that the housing provident fund has been paid normally for 6 consecutive months (the original validity period is 1 month);

9. Provide real estate license for newly-built existing houses and second-hand houses of commercial houses (original and copy1);

10. If the buyer is the second generation, proof of immediate family members is required;

1 1. Other materials required by the provident fund center.

Can Jiaxing change from business to public after buying a house for five years?

Jiaxing can change from business to public after buying a house for five years.

According to the relevant policies and regulations of China's provident fund, citizens should meet the following six conditions if they want to apply for commercial loans.

1. Pay the housing accumulation fund normally in the local area. 2. The loan business only accepts the application of the borrower or spouse of the original housing loan.

3. The applicant needs to confirm with the bank that his house loan has not been settled, and at the same time apply to the bank for early settlement of the loan. Once the bank agrees, it can handle the next business. 4. The applicant shall guarantee to repay the original commercial housing purchase loan for more than 1 year (inclusive), with a good credit record and no overdue behavior. 5. When the applicant transfers to the public, ensure that the purchased property has obtained the house ownership certificate issued by the local real estate registration department, and the applicant has not applied for a housing provident fund loan before. 6. The amount of the business-to-public loan applied for should be within the maximum loan amount of the housing provident fund loan and the balance of the original commercial housing loan announced by the local housing provident fund management committee before it can be accepted. The loan interest rate of business transfer to public is implemented according to the current housing provident fund loan interest rate in our city.

Two, the borrower should meet seven conditions at the same time.

To apply for "commercial loan to provident fund loan", the borrower shall meet the following seven conditions at the same time:

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

In addition, each bank has different requirements, some after one year, some after three years, but after five years, it can be changed from commercial to public.

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.

Three, before applying to the housing provident fund management institutions, to do a good job in the preparation of relevant information, including the original commercial housing loan "loan contract" signed with the original loan bank; Housing ownership certificate issued by the local real estate registration department; The loan balance certificate or the original loan repayment list can only take effect after being sealed by the original loan bank.

After the materials are complete, you can apply for an operating loan from the local housing provident fund management institution.

This is the end of the introduction of Jiaxing merchants' loan conditions to provident fund and Jiaxing merchants' loan conditions to provident fund. I wonder if you have found the information you need?