Intermediary fee for transferring commercial loans to provident fund loans

How to transfer commercial loans to housing provident fund loans?

Commercial loans to provident fund loans need to be handled at the local provident fund center. The main process is as follows:

1, consulting banks and provident fund centers

Customers need to consult the local provident fund management center and the original loan bank first. This step is mainly to understand whether the policy of converting commercial loans into public loans meets the conditions of converting commercial loans into provident fund loans, and what attitude the original lending bank has towards transferring provident fund loans and whether it supports customers to transfer provident fund loans.

2. Go to the bank to print relevant information.

In this step, the customer needs to contact the loan bank to print the repayment process and submit the application for early repayment according to the prompt of the provident fund center. The customer can't settle the commercial loan in advance without knowing it in the provident fund center, otherwise it can't handle the business of transferring to the public.

3. Submit materials to the Provident Fund Center.

Generally speaking, the information that customers need to submit includes ID cards, credit reports, income certificates and information retrieved from banks. What specific information is needed shall be subject to the notice of the local provident fund center.

4. Settle the commercial loan in advance.

If you want to transfer your business to the public, it is a necessary step to settle the commercial loan in advance. Customers need to contact the original loan bank to settle the commercial loan in one lump sum. It should be noted that the customer should settle the original commercial loan at the prompt of the provident fund center.

5. Go to the bank to retrieve relevant materials.

After settling the commercial loan, the customer needs to contact the account manager of the bank and get the loan settlement certificate, the original real estate license, the last settlement flow and other materials. If they have no time, they can negotiate with the bank to mail these materials.

6. The materials shall be submitted to the Provident Fund Center for review.

Customers need to submit the above information to the provident fund center for review. In order to speed up the efficiency of loan approval, customers need to ensure that there are no errors or omissions in the submitted materials, otherwise it will bring trouble to the review of provident fund loans.

7, provident fund center notice interview.

After the customer's loan information has been audited by the provident fund center, he will receive a face-to-face notice. Face-to-face interview is not very complicated. Generally, he will only ask the customer's family, occupation, income and other standard questions, so the customer can answer the questions truthfully according to his actual situation.

8. Go through the mortgage formalities.

Housing mortgage loans do not have to be handled by customers themselves. You can entrust an intermediary agency to handle the business. In some areas, the provident fund center will automatically submit the customer's information to the relevant departments for mortgage. Customers only need to pay attention to the progress of mortgage loans.

9. The Provident Fund Center arranges loans.

After the mortgage is successfully handled, there will be a mortgage certificate, which is the material that the provident fund center must master. After receiving the mortgage certificate, the provident fund center will arrange the loan. After the loan is issued, the customer will receive SMS notification and need to repay the loan according to the agreement in the future.

It can be seen that the transfer business is a complex business. If customers are not familiar with it, they can know it well in advance or find experienced people to help them.

Although it can save a lot of mortgage interest for customers, it is not a simple matter to handle business transfer, which requires customers to meet more conditions. There will be some differences in business transfer policies in different regions, so customers can understand in advance and handle business after understanding.

Does the intermediary agency turn to public risk?

This really needs attention. Be careful. It is not recommended to find an intermediary to provide housing provident fund. In addition to charging a lot of fees, it may also be suspected of breaking the law.

The advantage of converting commercial loans into provident fund loans is that the interest rate will be relatively low, which can save a lot of interest for users. However, there are also some shortcomings, mainly: 1. If the dealer repays the loan in advance after transferring it to the public, it is not worthwhile to transfer the loan; 2. Generally speaking, the number of provident fund loans is limited, and the interest rate of the first set is low, so it may be easy to run out of loan opportunities when enterprises turn into public ownership.

If the commercial loan is converted into provident fund loan in the repayment process, it can save a lot of interest for users. Taking the five-year period as an example, the interest rate of provident fund loans is 3.25%. If it is a commercial loan, it is basically between 5% and 6% according to the LPR plus point model. Therefore, it can be clearly seen that the interest rate of provident fund loans is low, and if the user's loan period is longer and the amount is higher, the cost savings of provident fund loans will be more.

First of all, there are many kinds of personal loans, which are classified only according to whether there is collateral, and are divided into mortgage loans and unsecured credit loans. The following is a simple analysis and explanation of these two loans:

1. Unsecured credit loan, which we refer to as credit loan for short, is a pure credit loan issued by the bank to individual customers solely based on the nature of the company, salary adjustment, social security accumulation fund, etc. Here, a concept of consumer loan will also be derived. Of course, there is no direct difference between these two concepts.

2. Mortgage loan, here mainly refers to housing mortgage loan, and of course, vehicle mortgage loan. I won't describe it in detail here. Mortgage loans are divided into mortgage business loans and mortgage consumer loans, and the amount of mortgage consumer loans will generally not exceed 654.38+0 million. Mortgage loan refers to the loan to use personal housing for company operation. As the name implies, it requires the company to be in the name of itself or immediate family members, including husband and wife, parents, children, brothers and sisters, etc. Mortgage can also be divided into primary mortgage and secondary mortgage, that is, mortgage is called secondary mortgage. Let's see how to operate a mortgage:

Appraisal, according to the cost of the house, is evaluated by the appraisal institution, and the amount, interest rate, service life, etc. are determined. You can probably work out what you can borrow. Face-to-face signing, face-to-face signing in the bank, you need to provide relevant materials such as room books. If there is no company, start to operate the company, such as changing shareholders or legal persons, or newly registered companies. , depending on the requirements of the bank. After the bank approved the loan, the house was mortgaged and notarized. Lending and loan processing have ended.

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 offset 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 public", and then the staff will tell us what procedures we should take.

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 a loan statement, which shows the monthly payment, total loan amount, balance and so on since you repaid the loan.

Bank suspect 4 When we check the credit information and repay the loan, the bank will sign a contract with you, not only with the bank that handles the commercial loan, but also with the guarantee company designated by the provident fund management center.

After all relevant matters with the commercial banks and guarantee companies designated by the provident fund management center are completed, the banks will start to issue loans and wait for the provident fund management center to issue loans, which will be used to settle the remaining outstanding loans of the original commercial banks.

After a commercial loan is converted into a provident fund loan, you must 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.

How much is the commercial loan transferred to the provident fund intermediary?

Didn't draw it. According to relevant data, the current policy is that if commercial loans have been lent, they are not allowed to be transferred to the provident fund. If the commercial loan is not approved or just approved and the tax has not been paid, the customer owner can only withdraw the sign of quitting the network and adopt the provident fund process again. Therefore, commercial loans cannot be transferred to the provident fund, and the intermediary has not withdrawn it.

Are you applying for business transfer or looking for an intermediary?

Personally, I don't think it is necessary to find an intermediary. Just go to the administration hall yourself. The main thing is that you should be familiar with this operation process first.

You need to prepare the original ID card, mortgage contract, repayment bank card, provident fund payment certificate and other related materials and apply to the bank. The bank will conduct a preliminary review of everyone's information, and will inform you to go to the guarantee company to go through the guarantee procedures after passing.

The next step is to sign the corresponding loan contract with the bank and make up the difference of the provident fund loan transferred to the original bank card bound by commercial loans. Subsequent banks will conduct an in-depth review of the guarantee information and other materials provided by everyone, and the bank will only issue loan funds after passing. Finally, everyone needs to go to the local housing authority to cancel the mortgage registration of the previous commercial loan houses and go through the mortgage formalities of transferring to the provident fund.

Precautions:

The first prerequisite for business transfer is that when applying for a loan to buy a house, it is not a provident fund loan, but a direct commercial loan, and the house is purchased by the unit, and the provident fund is not paid for it, but is purchased after everyone has jumped ship.

For those who have paid the provident fund when buying a house, because the provident fund paid at that time could not meet the conditions of provident fund loans, they chose commercial loans. At present, the main loan method of business to public is to repay the loan first, or to offset the loan with the loan. It should be noted that not all regions support the public transfer business, so the requirements of the local provident fund management center shall prevail.

What is the process of transferring commercial loans to provident fund to find an intermediary?

Whether commercial loans can be converted into provident fund loans depends on the provisions of the loan contract. I suggest you contact the loan account manager for detailed consultation. If it is a loan from Ping An Bank, you can also click the link below to select the online customer service icon in the upper right corner of the homepage or follow the official account of Ping An Bank WeChat (pingan_bank) for consultation.

Reply time: 202 1-07-23. Please refer to the latest business changes announced by Ping An Bank in official website.

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