The house in Paojiang, Shaoxing, was purchased with a commercial loan with a loan term of 30 years and has been repaid for more than 3 years. Can it be converted into a provident fund loan?

According to the relevant policies and regulations of China's provident fund, citizens should meet the following six conditions if they want to apply for commercial loans.

1. Pay the housing accumulation fund normally in the local area.

2. The loan business only accepts the application of the borrower or spouse of the original housing loan.

3. The applicant needs to confirm to the bank that his house purchase loan has not been settled, and at the same time apply to the bank for early settlement of the loan. Once the bank agrees, it can handle the next business.

4. The applicant shall ensure that the repayment of the original commercial house purchase loan is above 1 year (inclusive), the credit record is good, and there is no overdue behavior.

5. When the applicant transfers to the public, ensure that the purchased property has obtained the house ownership certificate issued by the local real estate registration department, and the applicant has not applied for a housing provident fund loan before.

6. The amount of the business-to-public loan applied for should be within the maximum loan amount of the housing provident fund loan and the balance of the original commercial housing loan announced by the local housing provident fund management committee before it can be accepted. The loan interest rate of business transfer to public is implemented according to the current housing provident fund loan interest rate in our city.

Before applying to the housing provident fund management institution, it is necessary to do a good job in preparing relevant materials, including the original loan contract for commercial house purchase loans signed with the original loan bank; Housing ownership certificate issued by the local real estate registration department; The loan balance certificate or the original loan repayment list can only take effect after being sealed by the original loan bank. After the materials are complete, you can apply for an operating loan from the local housing provident fund management institution.