1. application conditions:
(1). during the loan period, the borrower may apply for extension of the loan term in case of any of the following circumstances, which results in the decline of repayment ability, but the total loan term after extension shall not exceed the longest loan term determined at the time of loan application:
①.the borrower has been unemployed for more than two years;
②.the borrower, his / her spouse, his / her parents and children suffer from major diseases (chronic renal failure, malignant tumor, aplastic anemia, chronic severe hepatitis, heart valve replacement surgery, coronary artery bypass surgery, craniotomy for intracranial tumors, major organ transplantation, aortic surgery), etc.
(2). there is no default principal, interest, principal penalty interest, interest penalty interest, expenses required to realize the creditor's rights, losses to the lender caused by the borrower's default, and all other expenses payable;
(3).the loan term before the change is more than 1 year (excluding 1 year);
(4). for the mortgaged real estate that can register the real estate, the advance notice registration of the mortgage has been changed into the mortgage registration;
(5).the borrower and the co borrower shall meet the following conditions:
①.the provident fund account is unique and not frozen;
②.good credit record and willingness to repay.
(6).other conditions stipulated by the municipal provident fund management committee or the municipal provident fund center.
2. if the borrower or the joint borrower has any of the following circumstances, it shall not be extended:
(1). the credit cards and loans in the personal credit report of the credit reference center of the people's bank of china are overdue and have not been paid back at present;
(2). credit card and loan overdue records of 6 consecutive periods (inclusive) or accumulated more than 12 periods (inclusive) in the last 5 years;
(3). being included in the list of persons to be executed for breach of faith;
(4).providing false information or making false promises;
(5). being included in the list of individual serious dishonest behaviors of the municipal provident fund center due to fraudulent withdrawal of housing provident fund by means of forging contracts, issuing false certificates, fabricating false leases in the past three years, or being included in the list of individual serious dishonest behaviors of the municipal provident fund center due to illegal acquisition of provident fund loans by deception within the last five years;
(6). other situations that may affect the safety of provident fund loans.
3. place of application:
(1). loans accepted before august 1, 2020:
the business network of shanghai estate guaranty co.，ltd. portfolio loan’s borrower should go to the original lending bank branch to check the change of commercial loan first.
(2). loans accepted after august 1, 2020:
original loan acceptance network.
4.application requirements:
(1).1. identity certificate: original id cards of borrowers, co borrowers, co owners of property rights and spouses of the above-mentioned persons (if minors do not have id cards, birth certificates shall be provided); hong kong, macao and taiwan residents shall provide the original mainland pass for hong kong and macao residents, mainland pass for taiwan residents or residence permit for hong kong, macao and taiwan residents; foreigners shall obtain permanent (long-term) right of abode abroad the original passport is provided; hong kong, macao and taiwan and foreigners need to provide information on the contact information of the domestic contacts (name, id number and contact) and identity documents. if the above-mentioned person is an adult with limited or no capacity for civil conduct, the original and copy of guardianship certificate shall be provided.
(2).proof of reasons for change: if the loan period needs to be extended due to unemployment, the unemployment certificate issued by the street shall be provided; if the loan period needs to be extended due to serious diseases, the diagnosis certificate of major diseases issued by a hospital of grade ii or above shall be provided.
(3).provident fund loan contract: the original of provident fund loan contract.
(4).property right certificate: the original registration certificate of real estate certificate.
(5).in case of application for change of the common property right security housing before 2016 batch (excluding), the relevant opinions issued by the housing security center for approval of change and adjustment shall be provided.
(6).other materials required by the municipal provident fund center.
5. people present:
(1). application for change of personnel present: the borrower and the co borrower.
(2). participants who sign the change agreement: the borrower, the co borrower, the co owner of property rights and the spouse of the above-mentioned persons.
(3). if you can't come to the scene, you need to provide the notarization certificate issued by the notary organization (the notarial certificate should specify the relevant entrusted matters) and the original id card of the trustee.
6. handling process:
(1). loans accepted before august 1, 2020:
only provident fund loan:application for change - signing of change agreement - approval of change - handling of mortgage change - completion of change;
portfolio loan:go to the original loan bank to review the change of part of the commercial loan - apply for change at shanghai estate guaranty co., ltd. - sign the change agreement - approve the change - handle the mortgage change - change the completion.
2. loans accepted after august 1, 2020:
application for change - approval of change - signing of change agreement - handling of mortgage change - completion of change.
7 .processing time limit:
the approval time limit of only provident fund loan is 10 working days when the information and procedures of only provident fund loan are complete; the time limit for approval of commercial loan part of portfolio loan is subject to the time agreed by the bank, and the approval time limit of provident fund part is 10 working days.
