Wuxi Commercial Loan to Provident Fund Loan Process

I. Wuxi Commercial Loan to Provident Fund Loan Process

When a commercial loan is converted into a provident fund loan, the borrower shall meet the following seven conditions:

Meet the application conditions for housing provident fund loans in this Municipality;

The borrower must be the borrower or spouse of the original housing loan (the buyer is required);

The original commercial housing loan has not been settled, and the bank agrees that the borrower will settle the loan in advance;

The original commercial housing loan has been repaid for more than one year (inclusive), with a good credit record and no overdue loan balance;

The purchased property has obtained the house ownership certificate issued by the local real estate registration department, and it is a steel-concrete structure;

Commercial loans that can be mortgaged for the purchased real estate can be converted into provident fund loans;

Never applied for a housing provident fund loan.

Materials required for the conditions of transferring commercial loans to provident fund loans (all materials must be original):

Original purchase contract;

Original purchase invoice issued by the tax department;

Original Property Ownership Certificate and Land Certificate;

Original ID cards of both husband and wife (valid for more than one year);

Original marriage certificate or single certificate (the single certificate is stamped with the official seal of the unit);

Original household registration book;

Original bank settlement voucher and repayment voucher;

Original loan contract signed with the bank.

2. What is the detailed process of transferring business to provident fund?

If the business is transferred to the provident fund, the first thing to look at is whether the city supports it? At present, there are still some places that are not supported, depending on the situation.

For example, Shijiazhuang does not support this policy at present (it is said that this policy will be opened in the future.

If the production accumulation fund supports the following:

1, personal listing.

2. Individuals need to repay commercial loans.

3. Go to the provident fund center to propose provident fund repayment.

3. What is the detailed process of transferring Wuxi business to provident fund?

1. Download the provident fund transfer application form from the provident fund center or provident fund official website and seal it with the original loan bank.

2. After stamping, go to the provident fund center to apply and bring your own documents (ID card, marriage certificate, household registration book, real estate license, deed tax invoice, online signing contract, etc.). ).

3. After the provident fund window is audited, directly sign a contract with the guarantee company and the loan bank (prepare various copies or make on-site copies).

4. The guarantee company will send a text message to make an appointment with the original loan bank for repayment after the audit (about one or two weeks later).

5. Apply for prepayment at the original loan bank. After the approval, the bank will inform the repayment time and deduct the money.

6. After confirming the deduction time with the original loan bank, take the check from the guarantee company and put it in the card of the original loan bank. After the bank deducts money successfully, it will give a settlement certificate and cancel the mortgage registration.

7. After obtaining the settlement voucher, submit it to the guarantee company.

8. Wait for the new loan bank to review.

9. Waiting for the provident fund audit

4. Can Wuxi merchants transfer loans to the provident fund? Measures for Wuxi Commercial Loan Provident Fund 2022

Can Wuxi merchants transfer to provident fund? Measures for Wuxi Commercial Loan Provident Fund 2022

Repayment of the above-mentioned bank housing loans (including provident fund housing loans, commercial housing loans and portfolio housing loans) can only be made by entrustment.

After the increase in the amount of provident fund, the interest rate of Wuxi mortgage was lowered. What if the interest rate is high?

The process of commercial provident fund loan (portfolio loan) is as follows:

Among the preconditions for refinancing, there are three conditions: the real estate license has been obtained, the commercial loan bank agrees to refinance, and the provident fund has been paid normally six months before the loan. You can go to the provident fund center to learn more about whether you meet the requirements, and then go to the original loan bank according to the relevant materials provided by the provident fund center.

What is the detailed process of transferring commercial loans to provident fund loans?

Operation of transferring commercial loans to housing provident fund loans:

1. Individuals eligible for housing provident fund loans have three options:

2. The customer can first settle the original bank loan through self-raised funds and cancel the mortgage of the original property. After re-mortgage, the provident fund center will lend the money to the customer's deposit account.

3. The customer paid a down payment and used another house of himself or his spouse or immediate family as collateral. Provident fund center can lend money to customers, and customers will refund the deposit after paying off the original loan.

4. The customer can find a guarantee company. The guarantee company pays off the original loan of the customer in advance, the customer pays the advance fee and deposit, and the guarantor provides the phased guarantee. After the mortgage is confirmed, the provident fund center will lend money and refund the customer's deposit.