1, the housing commercial loan must be repaid normally for more than one year, and the commercial loan bank shall issue a record of no overdue repayment;

2. The house has handled the property ownership certificate, and there is no legal dispute;

3, for commercial loans to provident fund loans need to be approved by the housing commercial loan bank;

4. When applying for a housing loan from a commercial loan to a provident fund loan, the marriage relationship needs to provide corresponding certificates and legal property rights certificates when it changes.

Provident fund loan process:

1. Loan consultation: The commercial loan bank of the borrower's housing loan consults whether it can apply for a commercial loan to be converted into a provident fund loan. If possible, fill in the personal housing provident fund lending folder the next day;

2. Submit application materials:

(1) Husband and wife ID card, household registration book and marriage certificate;

2 loan contract;

(3) repayment records of commercial loans;

④ Proof of loan balance;

(five) proof of property ownership;

(6) State-owned land use certificate;

(7) Loan mortgage contract;

(8) Commercial housing sales contract or stock housing sales contract.

3. Acceptance of the housing loan commercial bank: the staff of the provident fund entrusted the loan bank to interview the applicant and review the materials, print the personal credit report of the borrower and spouse, review the personal credit situation and mortgage situation of both husband and wife, calculate the repayment ability of the borrower, and determine the loan amount, term, interest rate and repayment method with the borrower;

4. Signing a contract: the borrower signs a loan mortgage contract with the original commercial bank and a guarantee contract with the guarantee company of the housing provident fund management center;

5. Pre-deposited funds: the borrower will deposit the difference between the original commercial loan balance and the re-loan into the deposit account opened by the re-lending bank with its own funds, and settle the original commercial loan in advance;

6. Loan issuance: the housing provident fund management center issues loan funds, and the loan bank informs the loan borrower to use the provident fund loan funds and the borrower's pre-existing funds to settle the original commercial loan;

7. Handling mortgage: The guarantee company will handle the mortgage cancellation procedures of the original commercial loan property on its behalf, and complete the mortgage registration procedures of the loan transferred to the provident fund.

Legal basis: Article 26 of the Regulations on the Administration of Housing Provident Fund.

Workers who have paid housing provident fund may apply for housing provident fund loans from the housing provident fund management center when purchasing, constructing, renovating or overhauling their own houses. The housing provident fund management center shall, within 05 days from the date of accepting the application, make a decision on whether to grant the loan or not, and notify the applicant; If the loan is granted, the entrusted bank shall handle the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.