20 16 Wuxi commercial loan to provident fund needs to look at credit information.

I. Requirements for loan conditions of provident fund commercial loans

1. The lender meets the local housing provident fund loan application conditions, has a record of continuous deposit of provident fund for 6 months to 12 months (different requirements in different places), and continuously keeps a normal deposit record. The lender has no housing provident fund loan debt and no other outstanding loans or secured loans.

2. The lender has stable income, good credit and the ability to repay the loan.

3. The lender complies with the provisions of the Guarantee Law of People's Republic of China (PRC) and is recognized by the provident fund management center.

4. The lender has handled the commercial loan and repaid it normally, with no record of overdue repayment and complete loan procedures, real estate license, deed tax certificate and mortgage registration certificate.

5. The "Property Ownership Certificate" or "Housing Advance Notice Registration Certificate" of commercial loans involving provident fund loans has been completed, and mortgage registration procedures can be handled.

6, commercial loans to provident fund loans need to obtain the consent of the original commercial loan bank, agreed to repay in advance. It should be noted here that only commercial loans can apply for transfer to provident fund loans, and portfolio loans cannot apply for transfer from commercial loans to provident fund loans.

Two. Information required for commercial loans to provident fund loans

1. Original and photocopy of the applicant's personal data. Including the original and photocopy of the applicant's or the applicant's and spouse's ID card, the original and photocopy of the household registration book, and the original and photocopy of the marriage certificate. Unmarried or divorced, it is also necessary to provide a marriage certificate issued by the civil affairs department where the household registration is located.

2. Original and photocopy of the house certificate. Including the original and photocopy of the property ownership certificate, the original and photocopy of the deed tax certificate, and the original and photocopy of the state-owned land certificate should be provided if the property has a land certificate. If the land certificate is not issued, the original and photocopy of the receipt shall be handled with the land certificate issued by the Land Bureau.

Original and photocopy of Commodity (Economic) House Sales Contract or Stock House Sales Contract. If the house purchased by commercial loan is a second-hand house, the original house evaluation report shall be provided; If the house purchased by commercial loan is a commercial house, the original contract for the sale of commercial house or a copy after file search shall also be provided.

3. Bank loan contracts and vouchers. Including the original and photocopy of the commercial loan contract issued by the original commercial loan bank, the original loan mortgage contract, loan vouchers and other related materials.

4. Pay off the original commercial loan. When a commercial loan is converted into a provident fund loan, it is necessary to pay off the original commercial loan, and then provide the original and photocopy of the proof of paying off the commercial loan. Remember to stamp the special seal for banking.

5. Submit the housing provident fund loan application form. Submit the original and photocopy of the Approval Form for Housing Provident Fund Loan Application and the Registration Form for Housing Mortgage Filing.

Three, commercial loans to provident fund loans for the process

1, submit information. First of all, make clear the relevant matters, and after confirming that you meet the conditions for transferring to public business, submit relevant materials, fill in the application form for transferring to public business, and accept the bank's audit. In order to avoid trouble, it is necessary to confirm the required information in advance, ensure the authenticity of the submitted information, and wait patiently for review.

2. Loan review. When the materials submitted by the lender who submitted the application are approved, they will receive a notice from the bank, interview the bank staff, review and print the applicant's personal credit report. At the same time, they will also make a pre-loan trial in the provident fund system to calculate the repayment ability, loan amount, term, interest rate, repayment method and so on. This is the first trial. After the first trial is passed, proceed to the next project. If the first trial fails, the provident fund loan cannot be completed.

3. sign the contract. For the applicants who have passed the credit investigation and loan repayment calculation, the next step is to sign a loan (mortgage) contract with the commercial loan bank and a guarantee contract with the guarantee company designated by the provident fund management center.

4. Pay the difference. The amount of provident fund loans is less than commercial loans. Therefore, when a commercial loan is converted into a provident fund loan, the applicant must first repay the difference between the original total commercial loan and the total provident fund loan, which is equivalent to the down payment of the difference, and deposit it in the deposit account opened by the provident fund loan to settle the loan of the original commercial bank. The remaining loans owed to commercial banks will not be settled until the provident fund loan funds are released.

5. Issue provident fund loans. When the applicant has completed all relevant matters with the commercial bank and the guarantee company designated by the provident fund management center, he can wait for the provident fund management center to issue loan funds, which will be used to settle the remaining loans of the original commercial bank. At this time, the real estate can be released from the commercial bank and handed over to the provident fund management center.

6. Delivery and transfer of real estate. This is the last and most important step. Be sure to go to the original commercial loan bank to handle the cancellation procedures of real estate mortgage and complete the mortgage registration procedures of provident fund loans. At this point, the mortgage of real estate and the conversion from commercial loans to public loans have been completed, and all that remains is to repay on time with the repayment method and repayment amount of provident fund loans every month.

Conditions for converting commercial loans into portfolio loans

First, the loan applicant must pay (paid by the unit) the housing provident fund to Wuxi Housing Provident Fund Management Center (hereinafter referred to as the Center) on time, in full and continuously within 6 months before the month of applying for the loan, and failed to pay (not paid by the unit) the housing provident fund two years before the month of applying for the loan; If the loan applicant is transferred from other places to this city, the housing provident fund shall be paid on time, in full and continuously (remitted by the unit) six months before the transfer, and the provident fund has been remitted at least 1 month in the center (the remittance status is normal and there is no default).

2. The housing purchased by the loan applicant is ordinary self-occupied housing.

3. The loan applicant is the owner of the house or the owner of the house (the purchase contract is signed and sealed by the buyer).

Four, a stable source of economic income and the ability to repay the principal and interest on time.

5. Provide the guarantee company recognized by the Center as repayment guarantee or the securities recognized by the bank as pledge.

Six, the original commercial loan must be a housing loan and there is no debt for more than two months at the time of lending.

Portfolio loan refers to the borrower who meets the conditions of personal housing commercial loan. While applying for personal housing commercial loan, he can also apply for personal housing provident fund loan, that is, the borrower can purchase urban self-occupied housing (or other guarantee methods recognized by the bank) as collateral, and at the same time apply for personal housing provident fund loan and personal housing commercial loan from the bank.

Loan portfolio is a way for banks to distribute credit risks by granting loans to more than two debtors under the constraint of limited total loans. Due to macro factors such as industry characteristics and business cycle, and micro factors such as the correlation of business activities among enterprises, the correlation of default in loan portfolio is characterized by cycle correlation and risk dispersion. The higher the default dependence, the greater the potential risk loss of the loan portfolio.

Personal housing portfolio loan refers to the borrower who meets the conditions of a bank's personal housing commercial loan and pays the housing provident fund at the same time. While handling commercial loans for individual housing, you can also apply to the bank for personal housing provident fund loans. That is, the borrower takes the purchased urban self-occupied housing in this city as collateral, and the bank issues personal housing loans to the same borrower at the same time to purchase the same set of self-occupied ordinary commodity housing, which is a general term for policy and commercial loan portfolios.

That is, provident fund loans and commercial loans are used at the same time, generally only when personal loans exceed the local maximum amount of provident fund loans.

Buying a high-end house requires a loan of 500,000 yuan, while the local provident fund management center stipulates that the maximum loan for the provident fund is 400,000 yuan. In this case, the remaining 654.38 million yuan is used for commercial loans, and the interest cannot enjoy the interest of provident fund loans.

Portfolio loan is a loan issued by the housing fund management department to the same borrower by using policy housing funds and commercial banks by using credit funds. It is the general name of policy loan and commercial loan portfolio. When individuals can't pay the purchase price through provident fund loans, they can apply for portfolio loans from the handling bank entrusted with provident fund loans.

Loan Conditions of Wuxi Commercial Provident Fund

Wuxi commercial loan to provident fund loan conditions are as follows:

A loan applicant must meet one of the following conditions for the deposit of provident fund:

(1) Pay the housing provident fund to Wuxi Provident Fund Management Center on time, in full and continuously six months before applying for the loan, and do not owe the housing provident fund within two years before applying for the loan.

(2) If the loan applicant is transferred from other places to this city, the housing provident fund shall be paid on time, in full and continuously (remitted by the unit) six months before the transfer, and the provident fund has been remitted at Wuxi Provident Fund Management Center for at least 1 month (the remittance status is normal and there is no default).

2. The housing purchased by the loan applicant is ordinary self-occupied housing.

3. The loan applicant is the owner of the house or the owner of the house (the purchase contract is signed and sealed by the buyer).

Four, a stable source of economic income and the ability to repay the principal and interest on time.

5. Provide the guarantee company recognized by the Center as repayment guarantee or the securities recognized by the bank as pledge.

Six, the loan applicant has received the house ownership certificate, the house ownership certificate and the state-owned land use certificate of the purchased house.

Seven, the original commercial loans must be housing loans and loans without more than two months of debt.

Eight, when the original commercial loan is issued, the principal balance must be less than or equal to the loanable amount of the loan applicant's provident fund.

Nine, the loan applicant husband and wife shall not have outstanding provident fund loans.

Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to the national regulations, all employees who have paid the provident fund can apply for provident fund loans according to the relevant provisions of provident fund loans. According to the regulations, employees who have paid housing provident fund for a certain number of years or more (the number of years varies from city to city, such as 12 months or more in Changsha) can apply for provident fund loans when the funds for purchasing, building, renovating or overhauling their own houses are insufficient.

Provident fund loans refer to individual housing provident fund loans, which are issued by local housing provident fund management centers. With the housing provident fund paid by employees who apply for provident fund loans, commercial banks are entrusted to provide mortgage loans to housing provident fund depositors who purchase, build, renovate or overhaul their own houses and retired employees who pay housing provident fund during their employment. According to the regulations, employees who have paid housing provident fund for a certain number of years or more (the number of years varies from city to city, such as 12 months or more in Changsha) can apply for provident fund loans when the funds for purchasing, building, renovating or overhauling their own houses are insufficient.

The loan conditions are: the employees of the unit have signed labor contracts for more than three years (or signed 1 year labor contracts for three consecutive years); Normal continuous monthly housing provident fund deposit exceeds a certain period; Not exceeding the statutory retirement age; The borrower has a stable economic income and the ability to repay the principal and interest; The borrower agrees to handle the mortgage registration and insurance; Provide the guarantee method agreed by the local housing provident fund management center and its sub-centers; At the same time, submit relevant documents required by the bank, such as house purchase contract or house pre-sale contract, real estate license, land use certificate, deposit certificate of provident fund, etc.

New Policy of Wuxi Provident Fund Commercial Loan to Provident Fund

I. Loan conditions

1. The loan applicant paid the housing provident fund to our center on time, in full and continuously within six months before the month of loan application, and did not owe the housing provident fund two years before the month of loan application;

2. The housing purchased by the loan applicant is self-occupied ordinary housing;

3. The loan applicant is the owner of the purchased owner-occupied house or the owner of the house (that is, the buyer on the purchase contract filed by the real estate management department);

4, a stable source of economic income and the ability to repay the principal and interest on time;

5. Provide the guarantee company recognized by the Center as repayment guarantee or the securities recognized by the bank as pledge;

6. The original commercial loan must be a house purchase loan and there is no debt for more than two months at the time of lending;

7. The loan applicant has obtained the certificate of immovable property right of the purchased house (or house ownership certificate, house ownership certificate and state-owned land use certificate);

8. Both husband and wife of the loan applicant shall not have outstanding provident fund loans.

Housing provident fund loans are issued to paid workers' families who purchase the first set of self-occupied housing and the second set of self-occupied housing. Stop issuing housing provident fund loans to paid workers' families who buy third and above houses. "The first set of self-occupied housing" and "the second set of self-occupied housing" refer to the self-occupied housing purchased by employees' families (including loan applicants, spouses and their minor children) under the following circumstances:

The first house: there is no record of housing provident fund loan in the name, and there is no housing in this city.

Second suite: there is only one set of housing provident fund loan record under the name, and there is no housing in this city; There is only one set of housing under the name, and there is no housing provident fund loan record; There is only one housing provident fund loan in the name and only one house in this city. The owner-occupied house purchased by this loan is the same as the only house in this city.

Second, the loan materials

Both the husband and wife of the loan applicant and the owner of the purchased house must be present and provide the following information (original) according to the purchase situation:

1. Identity cards and household registration books of both husband and wife of the loan applicant and the owner of the reloaned house;

2. Proof of marital status (if the loan applicant or the owner of the house purchased is single, a declaration of marital status must be filled out on the spot, and if he is single due to divorce or widowhood, a valid proof of divorce or widowhood must be submitted separately);

3. The certificate of immovable property right of the reloaned house (or house ownership certificate, house ownership certificate and state-owned land use certificate);

4. Original commercial loan contract;

5. Purchase invoice or deed tax payment certificate;

6. The reloaned housing is local commercial housing and affordable housing: the purchase contract filed by the real estate management department;

7. The reloaned house is a local stock house: the stock house sales contract filed by the real estate management department (stamped with the bank seal);

8. Credit report, income certificate of the loan applicant and spouse, and salary flow in the last year before applying for the loan;

9. Wuxi commercial housing loan to provident fund (portfolio loan) application form (apply to the central loan window or download and print on this website, and affix the seal of the original commercial loan bank);

10, individual housing loan applicants and family members of Wuxi Housing Provident Fund (to be filled in on the spot)

Legal basis: Article 16 of the Regulations on the Administration of Housing Provident Fund.

The monthly deposit amount of employee housing provident fund is the average monthly salary of employees in the previous year multiplied by the deposit ratio of employee housing provident fund. The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.

What is a commercial loan portfolio loan? You will understand when you know this.

Converting commercial loans into portfolio loans is a form of converting commercial loans originally handled by buyers into new commercial loans and provident fund loans. I believe most investors will be interested in converting commercial loans into portfolio loans, so what problems and obstacles will we encounter in the process of converting commercial loans into portfolio loans?

Converting commercial loans into portfolio loans is a form of converting commercial loans originally handled by buyers into new commercial loans and provident fund loans. I believe most people will be interested in converting commercial loans into portfolio loans, so what problems and obstacles will we encounter in the process of converting commercial loans into portfolio loans? We collected some related questions. Let's have a look!

Question 1: you can't use provident fund at first, but can you turn pure commercial loans into portfolio loans in the future? Answer: This is impossible. Pure commercial loans cannot be converted into portfolio loans, but the balance in the provident fund can be used to offset the monthly supply of commercial loans.

Question 2: I have applied for a commercial loan. Can I turn it into a portfolio loan in the future? Answer: No, but if there is a provident fund, you can go to the provident fund once a year with a house purchase contract. If the loan amount is small or the loan period is long, there is actually little difference between the two methods.

Question 3: Do commercial loans need to obtain real estate licenses first? Answer: No, the provident fund cannot be used after the commercial loan contract is signed, but it can be set up to offset the principal.

After reading the solution, we continue to understand the conditions for converting commercial loans into portfolio loans. Accord to that regulations, a "commercial loan" that meet eight conditions can be converted into a "portfolio loan" with eight conditions. First, the loan applicant must pay (the unit pays) the housing provident fund to Wuxi Housing Provident Fund Management (hereinafter referred to as "Wuxi Housing Provident Fund Management") on time, in full and continuously within 6 months before applying for a loan, and fails to pay (the unit does not pay) the housing provident fund two years before applying for a loan; If the loan applicant is transferred from other places to this city, the housing provident fund shall be paid on time, in full and continuously (remitted by the unit) six months before the transfer, and the provident fund has been remitted normally for at least 1 month (the remittance status is normal and there is no default); 2. The housing purchased by the loan applicant is ordinary self-occupied housing. 3. The loan applicant is the owner or owner of the purchased self-occupied house (the purchase contract is signed and sealed by the buyer); Four, a stable source of economic income and the ability to repay the principal and interest on time; 5. Provide the recognized guarantee company as repayment guarantee or the securities recognized by the bank as pledge; Six, the original commercial loan must be a house loan and there is no debt for more than two months at the time of lending; Seven, the loan applicant has received the property certificate, the house ownership certificate and the state-owned land use certificate of the purchased house; Eight, the loan applicant husband and wife shall not have outstanding provident fund loans.

I believe that after reading this article, you must have a deeper understanding of commercial loans to portfolio loans, hoping to help you!

The introduction of the loan conditions of Wuxi commercial loan to provident fund is so far.