Tangshan transferable provident fund in 2022;
The best answer: it is ok for Tangshan provident fund merchants to transfer to public. At present, only the provident fund management centers in some areas have cooperated with banks to carry out the business of transferring commercial housing loans to provident fund loans. Generally speaking, commercial loans
2. Can Tangshan provident fund business be transferred to the public?
It is ok to change Tangshan provident fund business to public.
At present, only the provident fund management centers in some areas have cooperated with banks to carry out the business of transferring commercial housing loans to provident fund loans.
Generally speaking, the process of transferring commercial loans to provident fund loans is as follows:
1. Consult the provident fund loan center and the original commercial loan bank to see the conditions and submit relevant materials (ID card, marriage certificate or single certificate, household registration book, mortgage contract, etc.). ) When it meets the requirements, fill in the business transfer application form.
2. Wait for the bank to review the relevant information, and then go to the bank to sign the provident fund loan contract and mortgage.
3. For overdue business, deposit the difference between the original commercial loan balance and the refinancing into the deposit account opened by the refinancing bank with its own funds for advance payment.
4, after the completion of the formalities, lending bank loans.
3. Can Tangshan second-hand housing commercial loan be changed into provident fund loan?
Second-hand housing and commercial loans, eligible can be transferred to provident fund loans.
If individual commercial loans are to be converted into provident fund loans, the conditions for converting commercial loans into provident fund loans need to be met. The conditions for transferring commercial loans to provident fund loans mainly include:
1. Continuous repayment of personal commercial loans 1 year or more;
2. Individual provident fund is continuously paid 1 year or more;
3. Houses that are transferred to provident fund loans are required to be registered in the local monetary center and have formal and legal residential development projects;
4. Individuals need to obtain the consent of the original commercial loan bank to convert commercial loans into provident fund loans.
Therefore, when buying a house with a loan, if the borrower chooses a commercial loan first, it can also be converted into a provident fund loan under certain conditions. However, the conditions for commercial loans to provident fund loans are generally better, and the conditions required by different places will be somewhat different. Before handling commercial loans and provident fund loans, consult clearly before deciding whether to handle them.
Fourth, the new rules of Tangshan city's business transfer to the public?
The new regulations issued by the housing provident fund center of this city are clear. After the marital status changes, the business will be changed to public.
Recently, the city's housing provident fund center issued a notice on issues related to clarifying the policy of transferring business to public, which clarified the process of handling the business of "transferring business to public" with changes in marital status.
According to reports, the "business-to-public" business has resumed implementation since September 2065438+2009. This year alone, nearly 2,000 families have handled the "business-to-business" business. After the implementation of the Civil Code, the husband and wife have the same debts and the same repayment. In other words, when the buyer applies for a commercial loan in the bank, it is a personal debt, not a debt of both husband and wife. However, the business of "transferring business to public" after marriage is equivalent to "transferring mortgage", which should be handled according to the current marital status and mortgage situation. Changes in marital status include not only buying a house before marriage, but also buying a house within marriage and "changing business to public" after divorce.
Han Song, chief of the loan section of the city housing provident fund center, said: "He was married when he applied for a commercial loan, but now he is divorced and single. Accordingly, his original commercial loan will be removed from the borrower and the property rights will be divided. Then you have to go through the production analysis procedures and complete the above procedures before you can handle the business transfer business. "
The notice also clearly stated that "business-to-business" is a mortgage loan, which requires the consent of the original commercial loan bank and a "confirmation letter" of consent. At the same time, the county (city, district) provident fund offices (management departments) actively promote the "business-to-public" business and do everything possible to serve eligible families.