Can home buyers' loans be converted into provident fund loans?

Commercial loans applied for when buying a house can be converted into housing provident fund loans thereafter, and the following conditions are met.

1. Continuous deposit of housing provident fund for six months or more. Note that it is usually necessary to deposit the housing provident fund in the local area to apply for a provident fund loan to buy a house in the local area. However, some cities have opened off-site provident fund loans. As long as the housing provident fund paid in different places is interoperable with the housing provident fund paid in different places, the housing provident fund paid in different places can also apply for provident fund loans to buy a house locally.

2. The housing provident fund account in the month of application is in a normal deposit state. If the current housing provident fund account is sealed, you can only apply for a provident fund loan after the account is unsealed and the housing provident fund is paid back (only the withdrawal business is not affected during the sealing period of the housing provident fund account).

3. You have never applied for a provident fund loan in your name or the loan has been settled. If you have applied for a provident fund loan, you must pay off the loan before you can apply for a new provident fund loan.

Those who have applied for provident fund loans twice, regardless of whether the loans are settled or not, can not apply for new provident fund loans (in short, provident fund loans can only be handled twice at most).

4 commercial loans have been repaid for more than one year (including one year). Pay attention to timely repayment, and there can be no overdue behavior. Personal credit must be kept in good condition.

5. The ownership of the house purchased by loan is clear, and it is necessary to obtain the house ownership certificate issued by the local real estate registration department (note that the house purchased by loan is an existing house, which can generally be obtained within three months after the date of signing the contract; If the property purchased by the loan is an auction house, it will not be delivered until three months from the date of delivery.

6. The amount of business-to-public loan applied for cannot exceed the maximum amount of provident fund loan set by the local housing provident fund management center and the balance of the original commercial housing purchase loan.

7. The loan business does not accept applications from irrelevant personnel. You must be the main borrower of housing loan or the spouse of co-borrower to apply.

The user's recent application for online loan, whether the repayment is timely, and whether the identity information is suspected of online loan lending can all be clearly reflected through online loan big data. You only need to use credit inquiry tools, such as "Sixi Data", and you can get a detailed risk report.

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Housing provident fund loan standard?

Housing provident fund loans have the following standards: 1. When applying for provident fund loans, the provident fund center will pay more attention to the credit information, and there must be no record of non-performing loans in the credit information report. If there is a credit stain due to overdue in the past, the mortgage application that may be directly rejected by the provident fund center will have a greater impact.

2. Sufficient balance in the provident fund account will directly affect the loan amount. The loan amount of general provident fund is 10 to 20 times of the account balance, and the deposit base of provident fund will also affect the loan amount of provident fund.

How to determine the specific amount of provident fund loans needs to be subject to the notice of the provident fund center. If the balance of the provident fund account is insufficient, the loan application may fail, or the loanable amount is insufficient.

3. The income is more than twice the monthly payment. When applying for a mortgage, the monthly income required by the provident fund center is more than twice the monthly payment.

The provident fund center will judge the income through the income flow and income certificate. If the income does not meet the requirements, it may also lead to the failure of the provident fund loan application.

4. The debt ratio does not exceed 50%. When applying for a provident fund loan, the provident fund center will pay attention to the debt situation. Under normal circumstances, the debt ratio does not exceed 50%. The higher the debt ratio, the greater the economic pressure, the higher the possibility of overdue in the future, and the more concerns the provident fund center has.

5. There is no provident fund loan in your name. When applying for provident fund loans, if there are outstanding provident fund loans in your name, the loan application will not be passed. This is something that needs to be known in advance.

6. When applying for provident fund loans, he has full capacity for civil conduct, and can't obviously be unable to bear the debt liability for physical reasons or other reasons. If you don't have full capacity for civil conduct, the provident fund center will not issue it.

7. To meet the age requirement, you must be an adult first, but the loan age should not be too high. The longest term of provident fund loans shall not exceed 5 years after the borrower retires. For example, the longest period of retirement at the age of 60 can only be loaned to borrowers at the age of 65.

If the age exceeds the limit of the local provident fund center, the application for provident fund loan will also fail.

8. The housing area cannot exceed the limit. When applying for provident fund loans, provident fund centers in some areas will limit the area of houses purchased, especially when buying second suites. For example, provident fund centers in some areas will require provident fund loans to buy two suites, with an area of no more than 144 square meters. You can find out in advance.

9. To provide complete information, you need to pay the corresponding down payment according to the requirements of the provident fund center, keep the original down payment invoice, and properly keep the purchase contract and deposit payment voucher when handling the loan.

It can be seen that if you want to apply for a provident fund loan, you need to meet many standards of the provident fund center. However, there will be some differences in the policies of provident fund centers in different regions. You can know clearly in advance, and then prepare your own information for consultation to see if you meet the requirements of local provident fund loans.