Commercial transfer to bank or provident fund center
Publish: 2021-05-19 19:12:00
1. Changing commercial loan into provident fund loan is actually a kind of creditor's right transfer behavior between commercial bank and provident fund center. At this time, the creditor's right and debt relationship between the borrower and commercial bank turns into the creditor's right and debt relationship between the borrower and provident fund center. Therefore, the borrower's repayment of loan from commercial bank turns into repayment of loan from provident fund center There are many differences between the two kinds of loans in many aspects, such as the interest rate audit guarantee of the main object of the loan fund, and so on. Therefore, once the loan is granted, there will be many problems in the transfer of creditor's rights. For example, the loan guarantee method is mortgage plus developer's phased joint liability guarantee, while the guarantee method of provident fund loan is generally adopted The difference between the two loan guarantee methods of joint and several liability guarantee makes it impossible to connect the commercial loan and the provident fund loan. For the change of the mortgagee of the loan with mortgage registration, it depends on whether the real estate department can operate. In addition, the amount of commercial loan is generally higher, while the amount of provident fund loan is subject to the upper limit, even if the transfer of creditor's rights is operable e to the limitation of the provident fund The impact of the upper limit of the amount of gold loans, commercial loans have not been able to turn into provident fund loans
2. Now most of them don't carry out commercial to provident fund loans. The normal provident fund loan is also lent by the corresponding bank
3. How to transfer commercial loans to provident fund loans
commercial loans are used to supplement the working capital of instrial and commercial enterprises. They are generally short-term loans, usually 9 months, no more than one year at most, but there are also a small number of medium and long-term loans. This kind of loan is the main part of commercial bank loans, generally accounting for more than one third of the total loans
the provident fund loan refers to the loan enjoyed by the employees who deposit the housing provident fund. According to the national regulations, all employees who deposit the provident fund can apply for the provident fund loan according to the relevant provisions of the provident fund loan< First of all, if your work unit gives you a provident fund, you will have a provident fund account< 2. Provident fund needs to be deposited for more than 12 months, and the time and deposit amount must be at least 12 months.
3. There is no outstanding provident fund loan.
4. It is not the relevant proceres for minor loan, you only need to prepare: 1. Your provident fund account number; 2; 2. Unit provident fund account number; 3. Monthly deposit amount; 4. Deposit ratio; 5. The place where the provident fund is deposited
methods / steps
1
for indivials who meet the conditions of housing provident fund loan, there are three ways to transfer commercial loan to provident fund loan:
2
customers can first raise funds to settle the original bank loan, cancel the mortgage of the original real estate, and after re handling the mortgage, the provident fund center will lend money to the customer's deposit account
3
when a customer pays a deposit and uses another house of himself or his spouse or his immediate family as mortgage, the provident fund center can lend money to the customer and return the deposit after the customer has paid off the original loan
4
the customer can find a guarantee company, which will advance money to repay the original loan of the customer. The customer will pay the advance fee and deposit, and the guarantor will provide phased guarantee. After the mortgage is implemented, the provident fund center will lend money and return the deposit of the customer
precautions
the new loan term applied for by house buyers must be within the period specified by the provident fund loan, and the longest loan term shall not exceed the remaining loan term of the original "commercial loan". If it is part of the loan, the remaining part of the commercial loan term should be consistent with the provident fund loan term. In addition, if the place where the provident fund is deposited is not in the same county, city or district administrative region as the place where the loan house is located, the applicant shall apply to the management center of the place where the loan house is located for transferring the commercial loan to provident fund loan.
commercial loans are used to supplement the working capital of instrial and commercial enterprises. They are generally short-term loans, usually 9 months, no more than one year at most, but there are also a small number of medium and long-term loans. This kind of loan is the main part of commercial bank loans, generally accounting for more than one third of the total loans
the provident fund loan refers to the loan enjoyed by the employees who deposit the housing provident fund. According to the national regulations, all employees who deposit the provident fund can apply for the provident fund loan according to the relevant provisions of the provident fund loan< First of all, if your work unit gives you a provident fund, you will have a provident fund account< 2. Provident fund needs to be deposited for more than 12 months, and the time and deposit amount must be at least 12 months.
3. There is no outstanding provident fund loan.
4. It is not the relevant proceres for minor loan, you only need to prepare: 1. Your provident fund account number; 2; 2. Unit provident fund account number; 3. Monthly deposit amount; 4. Deposit ratio; 5. The place where the provident fund is deposited
methods / steps
1
for indivials who meet the conditions of housing provident fund loan, there are three ways to transfer commercial loan to provident fund loan:
2
customers can first raise funds to settle the original bank loan, cancel the mortgage of the original real estate, and after re handling the mortgage, the provident fund center will lend money to the customer's deposit account
3
when a customer pays a deposit and uses another house of himself or his spouse or his immediate family as mortgage, the provident fund center can lend money to the customer and return the deposit after the customer has paid off the original loan
4
the customer can find a guarantee company, which will advance money to repay the original loan of the customer. The customer will pay the advance fee and deposit, and the guarantor will provide phased guarantee. After the mortgage is implemented, the provident fund center will lend money and return the deposit of the customer
precautions
the new loan term applied for by house buyers must be within the period specified by the provident fund loan, and the longest loan term shall not exceed the remaining loan term of the original "commercial loan". If it is part of the loan, the remaining part of the commercial loan term should be consistent with the provident fund loan term. In addition, if the place where the provident fund is deposited is not in the same county, city or district administrative region as the place where the loan house is located, the applicant shall apply to the management center of the place where the loan house is located for transferring the commercial loan to provident fund loan.
4. It must be handled by the management department of the provident fund, and the bank is also the payer, because the money belongs to the provident fund, not the bank.
5. Hello, the provident fund center has passed the examination and approval, and the bank can lend money in about two weeks< The steps of housing provident fund loan are as follows:
1, Both parties should cooperate actively. According to the pre evaluation report issued by the evaluation agency, the transaction price of both parties and the repayment ability of the borrower, the center concts pre examination on the amount and term of the loan to be applied for by the employees, and issues the confirmation form of pre examination on the amount and term of the loan for second-hand housing of housing provident fund to the employees
2. Employees who need to file for loans and are ready to apply for second-hand housing loans shall submit the proof of the borrower's (spouse's) wage income and housing provident fund deposit (in triplicate) and the original and of the housing ownership certificate before the transaction, and the business personnel shall verify whether the employee's housing provident fund deposit is normal, Whether the wage income certificate of the employee (spouse) is true and standard< There are two ways to guarantee the loan of second-hand housing provident fund: stage guarantee, mortgage and mortgage. The borrower can choose according to his own actual situation. If the second-hand housing loan is handled by means of phased guarantee plus mortgage, the guarantee company selected by the borrower shall undertake the phased joint and several liability guarantee for the borrower before the mortgage registration proceres of the housing purchased by the borrower are completed and the other certificates of the housing are delivered to the entrusted bank for collection. If the second-hand housing loan is handled by mortgage, the borrower shall complete the mortgage registration proceres for the housing purchased before the loan is extended, and the certificate of other items of the housing shall be kept by the entrusted bank
4. By signing the house transfer contract, handling the delivery of self raised funds, the buyer and the seller handling the house transaction proceres, receiving the house evaluation report, signing the house transfer contract, handling the delivery of self raised funds, the buyer and the seller handling the house transaction proceres, and the delivery of self raised funds, both parties of the transaction can deliver under the witness of the guarantee company (entrusted bank), Payment can also be supervised by the entrusted bank
5. Fill in the housing provident fund loan application form and submit all loan application materials as required (including housing evaluation report, fill in the housing provident fund loan application form and submit all loan application materials including housing evaluation report as required, and submit all loan application materials including housing evaluation report as required), For those who choose to apply for second-hand housing loans by means of phased guarantee plus mortgage, the guarantee company can submit loan application materials to the center on behalf of the borrower; If the second-hand housing loan is handled by mortgage, the borrower shall submit the loan application materials< With the graal increase of bank loan interest and the cancellation of preferential interest rate for the first house loan, the interest cost of commercial loan for house purchase is higher and higher than that of housing provident fund loan. If there are housing provident fund loan conditions for home buyers, the use of provident fund loans is the most cost-effective way
7. Audit, approval and audit
8. Signing loan contract and other proceres
hope to adopt!
1, Both parties should cooperate actively. According to the pre evaluation report issued by the evaluation agency, the transaction price of both parties and the repayment ability of the borrower, the center concts pre examination on the amount and term of the loan to be applied for by the employees, and issues the confirmation form of pre examination on the amount and term of the loan for second-hand housing of housing provident fund to the employees
2. Employees who need to file for loans and are ready to apply for second-hand housing loans shall submit the proof of the borrower's (spouse's) wage income and housing provident fund deposit (in triplicate) and the original and of the housing ownership certificate before the transaction, and the business personnel shall verify whether the employee's housing provident fund deposit is normal, Whether the wage income certificate of the employee (spouse) is true and standard< There are two ways to guarantee the loan of second-hand housing provident fund: stage guarantee, mortgage and mortgage. The borrower can choose according to his own actual situation. If the second-hand housing loan is handled by means of phased guarantee plus mortgage, the guarantee company selected by the borrower shall undertake the phased joint and several liability guarantee for the borrower before the mortgage registration proceres of the housing purchased by the borrower are completed and the other certificates of the housing are delivered to the entrusted bank for collection. If the second-hand housing loan is handled by mortgage, the borrower shall complete the mortgage registration proceres for the housing purchased before the loan is extended, and the certificate of other items of the housing shall be kept by the entrusted bank
4. By signing the house transfer contract, handling the delivery of self raised funds, the buyer and the seller handling the house transaction proceres, receiving the house evaluation report, signing the house transfer contract, handling the delivery of self raised funds, the buyer and the seller handling the house transaction proceres, and the delivery of self raised funds, both parties of the transaction can deliver under the witness of the guarantee company (entrusted bank), Payment can also be supervised by the entrusted bank
5. Fill in the housing provident fund loan application form and submit all loan application materials as required (including housing evaluation report, fill in the housing provident fund loan application form and submit all loan application materials including housing evaluation report as required, and submit all loan application materials including housing evaluation report as required), For those who choose to apply for second-hand housing loans by means of phased guarantee plus mortgage, the guarantee company can submit loan application materials to the center on behalf of the borrower; If the second-hand housing loan is handled by mortgage, the borrower shall submit the loan application materials< With the graal increase of bank loan interest and the cancellation of preferential interest rate for the first house loan, the interest cost of commercial loan for house purchase is higher and higher than that of housing provident fund loan. If there are housing provident fund loan conditions for home buyers, the use of provident fund loans is the most cost-effective way
7. Audit, approval and audit
8. Signing loan contract and other proceres
hope to adopt!
6. The housing provident fund loan acceptance outlets designated by the entrusted bank can handle it. Please select the entrusted bank of the provident fund loan in advance, and check the designated provident fund loan acceptance outlets of the entrusted bank on the portal of the provident fund center< Instrial and Commercial Bank of China has three branches that can handle it:
Longcheng branch
Hongwei branch
Bao'an branch
Longcheng branch
Hongwei branch
Bao'an branch
7. When applying for provident fund loan, the following basic conditions should be met:
1. Full capacity for civil conct
2. Payment certificate of provident fund (or housing provident fund card)
3. ID card, household register and marital status certificate of the applicant and his / her spouse
4. Employees who have paid the housing provident fund for more than one year (including one year) in their units must pay the housing provident fund for more than six months (including one year) and the monthly payment amount of the housing provident fund reaches the minimum monthly payment amount announced by the management committee
5. Employees can apply for house purchase loans within five years (inclusive) from the date of purchase, construction, renovation and overhaul of self occupied houses
6. Employees who apply for loans for the first time or for the second time need to pay a down payment of more than 20% of the purchase price
7. Have stable economic income, good personal credit and the ability to repay the loan principal and interest.
1. Full capacity for civil conct
2. Payment certificate of provident fund (or housing provident fund card)
3. ID card, household register and marital status certificate of the applicant and his / her spouse
4. Employees who have paid the housing provident fund for more than one year (including one year) in their units must pay the housing provident fund for more than six months (including one year) and the monthly payment amount of the housing provident fund reaches the minimum monthly payment amount announced by the management committee
5. Employees can apply for house purchase loans within five years (inclusive) from the date of purchase, construction, renovation and overhaul of self occupied houses
6. Employees who apply for loans for the first time or for the second time need to pay a down payment of more than 20% of the purchase price
7. Have stable economic income, good personal credit and the ability to repay the loan principal and interest.
8. "Indivial housing commercial loan to provident fund loan" refers to the business of converting indivial housing commercial loan (including first-hand house and second-hand house) which has been handled and not yet settled by the employee or his spouse into provident fund loan
if you are applying for indivial housing commercial loan in China Merchants Bank, please contact the loan handling bank or the local post loan service center directly for confirmation of whether the business of "business to business" is carried out in your local area and relevant business regulations.
if you are applying for indivial housing commercial loan in China Merchants Bank, please contact the loan handling bank or the local post loan service center directly for confirmation of whether the business of "business to business" is carried out in your local area and relevant business regulations.
9. 1 Application. The applicant shall bring his / her personal credit report and his / her spouse's personal credit report, the "house purchase contract" and "loan contract" of the commercial bank's housing mortgage loan, the statement of loan balance, and the "application approval form of Wuhu commercial bank's housing mortgage loan converted into housing provident fund loan" sealed by the applicant's unit to the housing provident fund management center for application
(2) acceptance and approval. After the housing provident fund management center accepts the application, it will examine and approve the application in the public service center on the spot; If other handling outlets accept it, it shall be approved within 2 working days. It will be valid within 2 months after approval, and will not be handled if it is more than 2 months. If it is not accepted, the applicant shall be informed on the spot and the reasons shall be explained< (3) return the mortgage loan and cancel the mortgage. After the application for "commercial to public" is approved by the housing provident fund management center, the applicant applies to the original commercial bank housing mortgage loan bank for repayment of the loan, settles the commercial bank housing mortgage loan, and the commercial bank housing mortgage loan bank issues the loan settlement certificate to cancel the mortgage registration
(4) sign the loan contract of housing provident fund and re apply for housing mortgage. The applicant shall sign the housing provident fund loan contract with the bank entrusted by the housing provident fund loan and go through the relevant proceres of housing mortgage by presenting the settlement certificate of commercial bank's housing mortgage loan and the approval materials of "commercial to public"
(5) "commercial to public" performance. After the house mortgage certificate is completed, the bank is entrusted to take it into custody and send it to the housing provident fund management center, and the loan is transferred to the borrower's account. The applicant shall repay the principal and interest of the housing provident fund loan on a monthly basis as agreed in the housing provident fund loan contract from the next month after the loan is granted.
(2) acceptance and approval. After the housing provident fund management center accepts the application, it will examine and approve the application in the public service center on the spot; If other handling outlets accept it, it shall be approved within 2 working days. It will be valid within 2 months after approval, and will not be handled if it is more than 2 months. If it is not accepted, the applicant shall be informed on the spot and the reasons shall be explained< (3) return the mortgage loan and cancel the mortgage. After the application for "commercial to public" is approved by the housing provident fund management center, the applicant applies to the original commercial bank housing mortgage loan bank for repayment of the loan, settles the commercial bank housing mortgage loan, and the commercial bank housing mortgage loan bank issues the loan settlement certificate to cancel the mortgage registration
(4) sign the loan contract of housing provident fund and re apply for housing mortgage. The applicant shall sign the housing provident fund loan contract with the bank entrusted by the housing provident fund loan and go through the relevant proceres of housing mortgage by presenting the settlement certificate of commercial bank's housing mortgage loan and the approval materials of "commercial to public"
(5) "commercial to public" performance. After the house mortgage certificate is completed, the bank is entrusted to take it into custody and send it to the housing provident fund management center, and the loan is transferred to the borrower's account. The applicant shall repay the principal and interest of the housing provident fund loan on a monthly basis as agreed in the housing provident fund loan contract from the next month after the loan is granted.
10. The steps of transferring commercial loans to provident fund are as follows:
1. Self raised funds are needed to settle the original bank loans, cancel the mortgage of the original real estate, and after the mortgage is handled again, the provident fund center will lend money to the customer's deposit account
2. After the deposit is paid, another house of myself or his spouse or his immediate family can be used as mortgage, and the provident fund center can make a loan, and return the deposit after the original loan is paid back. After the successful transfer of commercial loan to provident fund, the interest shall be calculated according to the interest rate of provident fund loan.
1. Self raised funds are needed to settle the original bank loans, cancel the mortgage of the original real estate, and after the mortgage is handled again, the provident fund center will lend money to the customer's deposit account
2. After the deposit is paid, another house of myself or his spouse or his immediate family can be used as mortgage, and the provident fund center can make a loan, and return the deposit after the original loan is paid back. After the successful transfer of commercial loan to provident fund, the interest shall be calculated according to the interest rate of provident fund loan.
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