In addition, it should be noted that the transfer of commercial loans to provident fund loans must be approved by the center before the relevant procedures can be handled. In other words, first consult whether the commercial loan bank can settle in advance, and then consult whether the provident fund center meets the conditions for provident fund loans. Both parties agree, and then proceed to prepare for the next procedure. Avoid the situation that users raise money everywhere to repay commercial loans, and as a result, provident fund loans do not meet the requirements, causing unnecessary expenses and delaying users' time.
What materials does the applicant need to provide for the loan?
1. Legal and valid identity certificates and marriage certificates of the borrower and the property owner;
2. Housing provident fund savings card;
3. Commercial loan contract;
4. If the house ownership certificate and the state-owned land use right certificate of the purchased house are in the form of mortgage loans, the originals shall be provided. If the shareholding is in the form of loan first and then repayment, a copy confirmed by the bank can be provided;
5. Bank card or current passbook used to repay commercial loans;
6. Other materials required by the relevant provisions of the housing provident fund personal loan.
How to transfer commercial loans to provident fund loans?
1. The borrower should first go to the bank that handles commercial loans and ask about the relevant matters of transferring commercial loans to public loans, such as the relevant policies and procedures of transferring commercial loans to provident fund loans. At this time, the bank staff will guide the borrower to fill in the Personal Housing Provident Fund Loan Folder correctly and completely, and at the same time require the borrower to submit relevant information.
2. The entrusted bank accepts the loan application and conducts the preliminary examination, and reviews the authenticity, completeness and validity of the materials submitted by the borrower and the standardization of document filling to ensure the authenticity and validity of the applicant's signature on various documents. In addition, when accepting the loan application, the bank staff should interview the borrower according to the policy of the management center.
3. If the borrower turns to the provident fund loan and passes the preliminary examination, the bank staff will inform him to go through the guarantee formalities with the guarantee company with relevant information.
4. The borrower signs the loan contract and mortgage contract with the loan bank with the staged letter of guarantee issued by the guarantee company, and at the same time supplements the difference funds transferred to the provident fund loan to the bank savings repayment account agreed in the original commercial loan.
5. The bank staff will input the borrower's mortgage guarantee information into the housing provident fund information management system, including the borrower's collateral, guarantee, pre-stored difference funds and other information.
6. The bank conducts review and final review.
7. After the final judgment is passed, the entrusted bank will release the loan funds according to the loan notice of the management center, transfer the loan funds transferred to the provident fund and the pre-stored difference funds into the original commercial loan account, settle the original commercial loan, and notify the borrower in time.