Ha ha! A lot of demands! 1. Of course, it can be changed into a provident fund loan! 2, the handling fee is of course necessary, not much! ! ! 3. You can add a name and a handling fee! Different regions charge different fees! ! !
Second, commercial loans, divorced, how to change to provident fund loans?
Personal housing commercial loans to provident fund loans refer to the business of converting personal housing commercial loans (including first-hand houses and second-hand houses) that I or my spouse have handled and have not settled into provident fund loans when paying housing provident fund for employees.
If you apply for "personal housing commercial loan" at China Merchants Bank, please contact the local loan handling bank directly to consult and confirm whether your local business has changed to corporate business and related business regulations.
Third, how to transfer commercial mortgage loans to provident fund loans
Hello ~
As the loan business regulations in different regions are slightly different, please contact the local 95588 or consult the local loan department directly. And the local reply shall prevail.
Four, how to transfer commercial loans to provident fund loans?
This year, many cities across the country introduced a new policy of transferring commercial loans to provident fund loans, which greatly reduced the pressure on borrowers to repay loans. Converting commercial loans into provident fund loans is a hot topic. Next, I would like to introduce how to change commercial loans into provident fund loans. How to convert personal commercial loans into provident fund loans? 1. Materials required for transferring commercial loans to provident fund loans: 1, ID cards of the sub-lender and spouse, household registration book, original and photocopy of marriage certificate (if the sub-lender is single, the employer shall issue a single certificate); 2. The original and photocopy of the loan contract for the house purchased by the original commercial loan; 3. The repayment record of the lender's original commercial loan issued by the original commercial loan bank and the proof of the balance and remaining term of the original commercial loan as of the date of applying for the transfer to the provident fund loan; 4. The original and photocopy of the property right certificate used for mortgaging real estate or securities used for pledge; 5. The appraisal report on the market value of mortgaged houses issued by the housing appraisal institution recognized by the management center; 6. A notarized statement of consent to mortgage issued by the owner of the house property; 7. Other materials required by the management center. 2. Conditions to be met when commercial loans are converted into provident fund: the loan applicant needs to continuously pay the housing provident fund 12 months or more in full within the administrative area of this Municipality, and employees who have applied for personal housing commercial loans when purchasing commercial houses with complete development procedures (hereinafter referred to as "first-hand houses") or real estate secondary market houses (hereinafter referred to as "second-hand houses") within the administrative area of this Municipality may, in their own name (hereinafter referred to as "sub-lenders") 2. Agree to settle the balance of the original commercial loan in advance; 3. The original commercial loan has been repaid normally for more than 65,438+02 months since it was issued, 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 loan bank are provided; 4, a stable economic income and the ability to repay the loan principal and interest on time; 5. There are no outstanding provident fund loans and no other debts that affect the repayment ability of provident fund loans; 6. If there is real estate mortgage or securities pledge, the mortgage rate of mortgaged real estate shall not be higher than 70%, and the pledge rate of securities shall be100%; 7. The original commercial loan borrower is single and married when applying for the transfer to the provident fund loan, and it is required to issue a notarized certificate of the property right of the house purchased by the borrower and a repayment statement. 8. 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, and the original commercial loan borrower cannot apply for conversion to provident fund loans; 9. The purchaser of the original commercial loan house is jointly purchased by his parents and children (not including multiple children), and 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 it notarized. 10. The age of the second-hand house converted into provident fund loan (subject to the year of completion, the same below) shall not exceed 20 years (including 20 years), and the sub-lender agrees to have the value appraised by the housing appraisal agency recognized by the management center.