The loan period from commercial loans to provident fund shall not exceed the remaining life of commercial loans, and the borrower's age plus loan life shall not exceed the prescribed life (male employees shall not exceed 65 years old and female employees shall not exceed 60 years old). If the commercial loan has been completed and the bank has lent money, it cannot be changed into a provident fund loan. If the commercial loan has not been completed, the buyer and the seller need to reach an agreement through negotiation, sign the notice of contract change and sign the online contract again.

1. Pay the housing accumulation fund normally in the local area;

2. The lending business only accepts the application of the borrower or spouse of the original housing loan;

3. The applicant needs to confirm to the bank that his house purchase loan has not been settled, and at the same time apply to the bank for early settlement of the loan. Once the bank agrees, it can handle the next transfer to provident fund loan business;

4. The applicant must ensure that the original commercial house purchase loan has been repaid for 1 year (inclusive), and has a good credit record and no overdue behavior;

5. When the applicant transfers, ensure that the purchased property has obtained the house ownership certificate issued by the local real estate registration department, and the applicant has not applied for a housing provident fund loan before;

6. The amount of business-to-public loans applied for should be accepted within the maximum loan amount of housing provident fund loans announced by the local housing provident fund management committee and the balance of the original commercial housing loans. The loan interest rate of the business transfer to the public is implemented according to the current loan interest rate of the housing provident fund.

: What information should be provided when a commercial loan is converted into a provident fund loan?

1. Original and photocopy of ID card, household registration book and marriage certificate of the lender and spouse.

2 original and photocopy of the house ownership certificate and state-owned land use certificate of the house purchased by the original commercial loan.

3. The original loan mortgage contract of the house purchased by the original commercial loan and a copy of the Commodity (Economic) House Sales Contract or the Stock House Sales Contract;

4. The repayment record of the lender's original commercial loan issued by the original commercial loan bank and the proof of the balance and remaining term of the original commercial loan as of the application date of transferring to the provident fund loan;

5. The housing appraisal agency recognized by the management center issues the "Housing Appraisal Report" on the second-hand housing business loan to provident fund loan;

6. A notarized statement of consent to mortgage issued by the co-owner of the house property right;

7. A copy of the mortgage certificate (faster mortgage certificate or house ownership certificate) provided by the original commercial loan bank and stamped with the official seal of the bank;

8. Other materials required by the management center or the entrusted bank.