The loan conditions of commercial housing provident fund loans are as follows:

① The borrower is qualified for provident fund loans and meets the conditions for provident fund loans;

The loan conditions of the provident fund mainly include:

1. The provident fund has been paid in full for 6 months continuously, and the status of the provident fund account is normal;

2. After the business is transferred to the public, the monthly payment of provident fund loans shall not exceed 50% of the deposit base of provident fund;

3. There is no outstanding provident fund loan in the borrower's name, and the number of times of using provident fund loans shall not exceed 1 time;

4. The borrower has a good credit record, no overdue records and no large debts;

② The borrower's commercial loan has been repaid normally 1 year with no overdue phenomenon; When the business is transferred to the public, it is necessary to pay off the commercial loan in advance with the approval of the provident fund center. Therefore, it is necessary to meet the normal repayment above 1 year, otherwise, it is impossible to prepay and handle the business of the transfer account.

(3) The house purchased by the borrower has been issued with the title certificate and has no property right; Whether it is a new house or a second-hand house, you must have a real estate license in hand to handle the transfer of households. Those who have not yet applied for the real estate license cannot transfer their business to the public. And you can't own the property right of the house, otherwise you can't mortgage the provident fund, and you can't make a loan for the provident fund, and you can't handle the process of transferring the business to the public.

④ Commercial loans, provident fund loans and housing property owners must be the same person. If the borrower does not pay the provident fund, and other people in the family do, it is also impossible to turn the business into public. However, if both husband and wife have provident fund, they can use two people's provident fund loans, which can increase the loan amount of provident fund.

How to transfer commercial loans to provident fund loans?

There are two ways to transfer commercial loans to provident fund loans.

One is to repay the loan first, and the lender pays off the commercial loan first;

The other is loan-to-loan, and the lender should pay off the difference between the principal and interest balance of commercial loans and commercial loans in advance.

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;

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.

Extended data:

Changing commercial loans into provident fund loans is actually a transfer of creditor's rights between commercial banks and provident fund centers. At this time, the creditor-debtor relationship between the borrower and the commercial bank is transformed into the creditor-debtor relationship between the borrower and the provident fund center, that is, the borrower repays the loan of the commercial bank to the provident fund center.

Commercial loans and provident fund loans are actually two fundamentally different loans, and they are different in many aspects, such as capital subject, object, interest rate review and guarantee. Therefore, once the loan is issued, there are many problems in the transfer of creditor's rights, such as the way of loan guarantee.

How to handle the transfer of personal mortgage business to public?

If the customer wants to change the housing loan from a commercial loan to a provident fund loan, the process is as follows:

1. Prepare personal ID card, mortgage contract, repayment bank card, provident fund deposit certificate and other materials to apply to the entrusted bank.

2. The entrusted bank accepts and examines the materials submitted by customers to determine the authenticity, completeness and validity of the materials.

3. After receiving the notice, the customers who passed the preliminary examination shall go through the guarantee formalities with the guarantee company.

4. Sign a loan contract and mortgage contract with the loan bank, and make up the difference of the transferred provident fund loan to the repayment bank card bound by the original commercial loan.

5. The loan bank shall enter mortgage guarantee and other information, and conduct audit in accordance with the provisions of the provident fund management center.

6. After the final judgment is passed, the bank will issue loan funds.

7. The loan bank cooperates with the guarantee company to cancel the original commercial loan mortgage registration in the local housing authority and handle the transfer mortgage registration procedures for provident fund loans. After that, the guarantee company will hand over the completed house ownership certificate to the loan bank for safekeeping.

How to transfer commercial loans to housing provident fund loans

If the applicant wants to transfer the commercial loan to the provident fund, there are two main ways at present, one is to repay the loan first, and the other is to pay the loan with the loan. Details are as follows:

1 Bring our and our spouse's identification, marriage certificate, household registration book, commercial loan contract, proof of real estate appraisal and bank card for repayment, contact the original commercial loan bank and tell us that we need to go through "business-to-business", and then the staff will tell us what procedures we should go through.

The loan bank will review the application and materials submitted by us. After the approval, the bank will tell us to go through the relevant procedures, such as signing a provident fund loan contract and a mortgage contract with the loan bank.

3. Settle the balance difference between the provident fund loan and the original commercial loan and deposit it in the deposit account of the original commercial loan bank. The bank staff will make an IOU, which is the money you have paid back every month since the repayment, the total amount of IOU, the balance and so on.

Bank Doubt 4 When we inquire about credit information and repayment, the bank will sign a contract with you, not only with the bank that handles commercial loans, but also with the guarantee company designated by the provident fund management center.

After all the related matters with the commercial banks and guarantee companies designated by the provident fund management center are completed, the banks begin to issue loans, waiting for the provident fund management center to issue loans, and the loans are used to settle the remaining outstanding loans of the original commercial banks.

After the commercial loan is transferred to the provident fund loan, you should go to the original commercial loan bank to go through the formalities of cancellation of real estate mortgage and registration of provident fund loan mortgage. After the mortgage and handover of real estate are completed, you only need to repay on time according to the repayment plan.

What does listing of mortgage institutions mean?

The mortgage business is to convert the commercial housing loans that have been handled into provident fund loans.

The so-called commercial personal housing loan to provident fund loan business is the abbreviation of commercial personal housing loan to provident fund loan business, which is a provident fund convenience business to reduce the pressure on home buyers to repay loans, reduce loan interest expenses and ensure the legitimate rights and interests of employees.

Commercial-to-public loans refer to borrowers who have applied for commercial mortgages and meet the conditions of housing provident fund loans, and apply for commercial-to-public loans during the repayment period.

Commercial-to-public loans refer to the housing mortgage loans of commercial banks converted into housing provident fund loans. If the original commercial loan has been withdrawn from the housing provident fund to pay off the loan principal and interest, it cannot apply for a "business-to-public" loan. "Business-to-public" loans do not support portfolio loans.

What are the conditions for mortgage institutions to turn to the public sector?

The conditions that the mortgagor needs to meet when turning into a corporate loan are as follows: the commercial loan must be repaid normally for more than 1 year, and there is no record of overdue repayment during this period; To handle the business transfer of real estate, there must be a house ownership certificate; After submitting an application for business transfer to the public, it must obtain the consent of the original mortgage bank; If the author's marital status changes after changing jobs, relevant credit information needs to be provided.

The basic conditions for mortgage lenders to turn to public are basically the same in different regions, but the housing provident fund center will customize the rules for mortgage lenders to turn to public according to the actual situation.

The conditions that the mortgagor needs to meet when turning into a corporate loan are as follows: the commercial loan must be repaid normally for more than 1 year, and there is no record of overdue repayment during this period; To handle the business transfer of real estate, there must be a house ownership certificate; After submitting an application for business transfer to the public, it must obtain the consent of the original mortgage bank; If the author's marital status changes after changing jobs, relevant credit information needs to be provided.

The basic conditions for mortgage lenders to turn to public are basically the same in different regions, but the housing provident fund center will customize the rules for mortgage lenders to turn to public according to the actual situation.

Let's stop here for the introduction of housing lenders turning to the public.