The materials required for the mortgage lender to transfer to the provident fund loan include the lender's ID card, single certificate (marriage certificate and spouse's ID card are required for married people), repayment bank card, household registration book, commercial loan contract and real estate appraisal certificate. The process is as follows: 1. Contact the bank account manager of the original commercial loan and inform him that it is necessary to handle "business-to-business"; 2, according to the requirements, provide the information needed for the loan, including 3, the loan bank to review the lender's information, reported to the local capital center for approval; 4. After approval, the sub-lender will sign the Provident Fund Loan Contract and the Mortgage Contract with the loan bank and the guarantee company; 5. The sub-lender settles the balance between the provident fund loan and the original commercial loan and deposits it in the deposit account of the original commercial loan bank; 6. The local capital center allocates loan funds, and the lending bank issues provident fund loans to settle the original loans. At this point, the steps of transferring commercial loans to provident fund loans have been completed. Loan conditions for the lender to refinance the provident fund: 1. When the borrower applies for a loan at the place where he applies for a provident fund loan, the provident fund is in a normal deposit state; 2, the applicant or * * * and the applicant's unit in accordance with the provisions for the borrower to pay housing provident fund for more than a month; 3. The applicant has a stable economic income and the ability to repay the loan; 4. The applicant agrees to provide the approved loan guarantee method; 5. The applicant and * * * together with the applicant, including the spouse, have no outstanding loans or other debts except the loan transferred to the provident fund; 6. The "Property Ownership Certificate" or "Housing Advance Notice Registration Certificate" involving provident fund loans in commercial loans has been completed and mortgage registration procedures can be handled; 7. The normal repayment period of commercial loans is more than years and there is no record of overdue repayment; 8. Portfolio loans cannot be converted from commercial loans to provident fund loans; 9, commercial loans to provident fund loans can only apply for pure provident fund loans. Legal basis: Article 15 of the Regulations on the Management of Housing Provident Fund stipulates that if a unit hires employees, it shall go through the deposit registration at the housing provident fund management center within 30 days from the date of employment, and go through the formalities for the establishment or transfer of employee housing provident fund accounts. Where a unit terminates the labor relationship with its employees, it shall, within 30 days from the date of termination of the labor relationship, go to the housing provident fund management center for change registration, and go through the formalities of transferring or sealing the employee housing provident fund account.

2. What's the latest policy of Anhui Province's business transfer to public in 2022?

Anhui province provident fund "business to public" needs "two certificates" to be complete.

On February 4th, 65438, the Provincial Housing Provident Fund Management Sub-center announced the latest business process of "Business to Public". According to the new process, to handle "business-to-business", it is necessary to repay the commercial loan for one year, and the land certificate and real estate license are "complete".

In addition to the "two certificates", the house purchase contract and the loan contract, the original loan repayment certificate issued by the bank and the repayment details of the past year are also needed for specific handling. After finding that there is no problem with credit reporting, you can apply for "business-to-public". Like the municipal provident fund, the provincial provident fund needs to go through the loan settlement procedures at the commercial loan bank.

What are the procedures for Hefei commercial loan to provident fund loan?

Commercial loans and provident fund loans are two different approval channels. Provident funds do not need the guarantee of guarantee companies, while commercial loans need to be undertaken by guarantee companies if they take the road of secured loans. Taihe guarantee may be such a guarantee company. Generally, such companies are companies that do bank access.

How to go through the formalities of transferring Hefei commercial loan to provident fund loan?

Call the provident fund management center