Can Xi 'an commercial loan be converted into provident fund loan?

1.Xi Can an commercial loan be converted into a provident fund loan?

To convert a commercial loan 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.

2. can 2.Xi' an commercial loan be transferred to provident fund?

In the housing provident fund management center, employees who have applied for personal housing commercial loans can apply for "business-to-public" loans if they have paid the housing provident fund in full for more than 6 months.

Article 5 An application for a "business-to-business" loan shall meet the following conditions.

(a) the applicant has paid the housing provident fund when handling the original commercial loan. In line with the relevant provisions of Xi housing provident fund loans, the original commercial loans can be settled in advance;

(2) The applicant has full capacity for civil conduct, a stable occupation and income, and the ability to repay the principal and interest of the loan;

(3) The applicant should be one of the original commercial loan buyers (husband and wife only). If the purchaser of the original commercial loan house is a parent, a child or a co-purchaser, the application for "business-to-public" loan will not be accepted;

(four) the applicant and his spouse have no outstanding provident fund loans and no other debts that affect the repayment ability of provident fund loans;

(5) The applicant and his spouse have good credit, and there are no overdue records for three consecutive periods (inclusive) or six cumulative periods (inclusive) in the credit information system, and the repayment status of the original commercial loan is normal and there is no overdue;

(six) the purchased house is within the administrative area of Xi, and the house has been handled with the ownership certificate;

(7) If the original commercial loan borrower has divorced, and it is clear in the effective legal documents or divorce agreement that the property ownership is no longer in the name of the original commercial loan borrower, neither the original commercial loan borrower nor his spouse may apply for a "business-to-public" loan;

(eight) individual housing portfolio loans in commercial loans can not handle the "business-to-business" loan business;

(nine) the "commercial to public" loan bank should be one of the banks entrusted by the provident fund center;

(10) The applicant provides a "business-to-business" loan guarantee according to the guarantee method recognized by the provident fund center and the entrusted bank;

(eleven) other conditions stipulated by laws, regulations, rules and Xi housing provident fund management committee.

3. Can 3.Xi 'an off-site commercial loans be transferred to provident fund?

In the housing provident fund management center, employees who have applied for personal housing commercial loans can apply for "business-to-public" loans if they have paid the housing provident fund in full for more than 6 months.

Article 5 An application for a "business-to-business" loan shall meet the following conditions.

(a) the applicant has paid the housing provident fund when handling the original commercial loan. In line with the relevant provisions of Xi housing provident fund loans, the original commercial loans can be settled in advance;

(2) The applicant has full capacity for civil conduct, a stable occupation and income, and the ability to repay the principal and interest of the loan;

(3) The applicant should be one of the original commercial loan buyers (husband and wife only). If the purchaser of the original commercial loan house is a parent, a child or a co-purchaser, the application for "business-to-public" loan will not be accepted;

(four) the applicant and his spouse have no outstanding provident fund loans and no other debts that affect the repayment ability of provident fund loans;

(5) The applicant and his spouse have good credit, and there are no overdue records for three consecutive periods (inclusive) or six cumulative periods (inclusive) in the credit information system, and the repayment status of the original commercial loan is normal and there is no overdue;

(six) the purchased house is within the administrative area of Xi, and the house has been handled with the ownership certificate;

(7) If the original commercial loan borrower has divorced, and it is clear in the effective legal documents or divorce agreement that the property ownership is no longer in the name of the original commercial loan borrower, neither the original commercial loan borrower nor his spouse may apply for a "business-to-public" loan;

(eight) individual housing portfolio loans in commercial loans can not handle the "business-to-business" loan business;

(nine) the "commercial to public" loan bank should be one of the banks entrusted by the provident fund center;

(10) The applicant provides a "business-to-business" loan guarantee according to the guarantee method recognized by the provident fund center and the entrusted bank;

(eleven) other conditions stipulated by laws, regulations, rules and Xi housing provident fund management committee.

IV. Xi 'an Commercial Provident Fund Loan Measures.

Xi The conditions for transferring Anshang loan to public accumulation fund are as follows: 1. The applicant has paid the housing provident fund when handling the original commercial loan. In line with the relevant provisions of Xi housing provident fund loans, the original commercial loans can be settled in advance; 2. The applicant has full capacity for civil conduct, a stable occupation and income, and the ability to repay the principal and interest of the loan; 3. The applicant should be one of the buyers of the original commercial loan house. If the purchaser of the original commercial loan house is a parent, a child or a co-purchaser, the application for "business-to-public" loan will not be accepted; 4. The applicant and spouse have no outstanding provident fund loans and no other debts that affect the repayment ability of provident fund loans. Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund is under any of the following circumstances: (1) purchasing, building, renovating or overhauling self-occupied housing; (2) retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (six) the rent exceeds the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.