It is understood that at present, only the provident fund management centers in some areas have cooperated with banks to carry out the business of converting commercial housing loans into provident fund loans. If you have this demand, I suggest you consult the local provident fund management center in time.

Generally speaking, the process of transferring commercial loans to provident fund loans is as follows:

1. Consult the provident fund loan center and the original commercial loan bank to see if they meet the conditions for transferring to public business. If qualified, submit relevant materials (including ID card, marriage certificate or single certificate, household registration book, mortgage contract, etc.). ) and fill out the transfer application form.

2. After waiting for the bank to review the relevant information, go to the bank to sign the provident fund loan contract, mortgage contract and guarantee contract.

3. When repaying the loan, 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.

4. After the formalities are completed, the lending bank will issue provident fund loans and settle commercial loans.

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