Business to public transfer:

Operation steps for converting a commercial loan to a housing provident fund loan:

1. For individuals who meet the housing provident fund loan conditions, there are three types of commercial loan transfers: Provident fund loan methods are available:

2. Customers can first raise funds by themselves to settle the original bank loan, cancel the mortgage on the original property, and after re-mortgaging, the provident fund center will release the money to the customer's deposit account.

3. The customer pays a deposit and uses another house owned by himself or his spouse or his immediate family members as a mortgage. The provident fund center can lend money to the customer and return the deposit after the customer repays the original loan.

4. The customer can find a guarantee company, which will advance the capital to repay the customer's original loan. The customer will pay the advance fee and deposit, and the guarantor will provide a periodic guarantee. After the mortgage is implemented, the Provident Fund Center will release the loan and return it to the customer. Security deposit.

Conditions for provident fund loans

1. First, the unit where you work provides you with a provident fund, and then you have a provident fund account;

2. Provident fund requirements The deposit must be made for more than 12 months, and the time and deposit amount must be for 12 months

3. There is no provident fund loan that has not been paid off

4. It is not required for loans to minors For the relevant procedures, you only need to prepare: 1. Your provident fund account number; 2. The provident fund account number of the unit; 3. The monthly payment amount; 4. The payment ratio; 5. The provident fund payment location.

Notes

The new loan period applied for by home buyers must be within the period specified in the provident fund loan and shall not exceed the remaining loan period of the original "commercial loan". If it is a partial re-lending, the term of the remaining commercial loan should be consistent with the term of the provident fund loan. In addition, if the provident fund deposit place and the location of the loan house are not in the same county, city, or district administrative area, the applicant must apply to the management center where the loan house is located to apply for converting the off-site commercial loan into a provident fund loan.