1, consultation accepted. If the sub-loan applicant meets the loan conditions after consultation with the original commercial loan bank, the bank staff shall guide the borrower to fill in the personal housing provident fund loan folder correctly and completely. 2. Submission of materials. Submit the relevant information stipulated by the lending institution. 3. Loan acceptance. For eligible borrowers, the entrusted bank conducts a preliminary examination before lending in the provident fund system, and determines the loan amount, term, interest rate and repayment method through consultation with the borrowers according to the preliminary examination results and repayment ability; The entrusted bank conducts the preliminary examination in the provident fund system. If the preliminary examination fails, the borrower shall be notified in time and the reasons shall be informed. 4. Sign the contract. The loan applicant signed a loan (mortgage) contract with the original commercial loan bank, and signed a guarantee contract with the guarantee company designated by the management under the guidance of the bank. 5. Pre-deposited funds. The loan applicant will deposit the difference between the original commercial loan balance and the refinancing into a special deposit account opened by the refinancing bank, and settle the original commercial loan in advance with its own funds. 6. Loan issuance. Manage the issuance of loan funds, and the loan bank informs the loan borrower to use the provident fund loan funds and the borrower's pre-deposited funds to settle the original commercial loan at the same time. 7. Apply for a mortgage. The guarantee company will handle the cancellation procedures of the original commercial loan real estate mortgage on its behalf, and complete the registration procedures such as mortgage transfer of provident fund loans.
Legal basis:
Regulations on the administration of housing provident fund
Fourteenth newly established units shall, within 30 days from the date of establishment, go to the housing provident fund management center for registration of housing provident fund deposit, and within 20 days from the date of registration, go through the formalities for the establishment of housing provident fund accounts for their employees. Where a unit is merged, divided, revoked, dissolved or bankrupt, the original unit or liquidation organization shall, within 30 days from the date of the above-mentioned situation, go to the housing provident fund management center to handle the change or cancellation of registration, and handle the transfer or seal-up procedures for the employees of the unit within 20 days from the date of completing the change or cancellation of registration.
Fifteenth units to hire employees, should be within 30 days from the date of employment to the housing provident fund management center for deposit registration, and 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.
Thirty-fourth housing provident fund management center and employees have the right to urge the unit to fulfill the following obligations on time: (1) to handle the registration of housing provident fund deposit or change or cancellation of registration; (two) the establishment, transfer or sealing of the housing provident fund account; (3) Paying the housing provident fund in full.
Derivative problem:
Can commercial loans be converted into provident fund loans?
Yes, but the following conditions must be met: 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.