Converting commercial housing loans into housing provident fund loans can save a lot of interest expenses. In line with the conditions for commercial loans to housing provident fund loans, it is necessary to handle them.

The process of transferring commercial loans to housing provident fund loans is similar everywhere. Take Hefei, Anhui Province as an example:

Hefei commercial loan to provident fund loan processing process:

(1) Guarantee approval stage:

1. The lender consults and fills in the Business Transfer Application Form;

2. The lender goes to the counter of the business hall of Hefei Housing Provident Fund Management Center to apply for the business transfer guarantee, and the guarantee company conducts the preliminary examination; The management center examines and determines the loan amount;

3. The lender shall settle the remaining principal and interest of the original commercial loan by itself and cancel the original Property Ownership Certificate.

(2) loan application:

1. The lender applies to the guarantee company for reloaning with the original commercial loan settlement certificate and other reloaning materials, and signs the contract and other related materials;

2, bank credit inquiry, management center audit, guarantee company to accompany the applicant for housing mortgage registration procedures;

3. After the mortgage registration formalities are completed (subject to the confirmation of the management center), the guarantee company will take other warrants and the management center will lend money.

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