1. Applicants should make an appointment online first and declare the loan. 2. After the bank accepts it, it shall submit a loan portfolio application to the provident fund management center. 3. After the approval of the center, submit it to the bank for approval. 4. After the applicant signs a contract with the bank, the original commercial loan is settled, and the entrusted bank turns it into a corporate loan. 5. The applicant receives the information and the business is completed.

Conditions for changing commercial loans into portfolio loans 1 When applying for changing commercial loans into portfolio loans, you need to fill in and submit relevant loan application forms. 2. The applicant's personal credit information is in good condition and there is no record of bad credit information. The borrower has a stable income and the ability to repay the loan principal and interest on time. The borrower must meet the local provident fund loan conditions. 5 Need to prepare detailed loan information, including original commercial loan contract and original commercial loan repayment details.

Portfolio loan refers to the borrower who meets the conditions of personal housing commercial loan. While applying for personal housing commercial loan, he can also apply for personal housing provident fund loan, that is, the borrower can purchase urban self-occupied housing (or other guarantee methods recognized by the bank) as collateral, and at the same time apply for personal housing provident fund loan and personal housing commercial loan from the bank.