Business-to-business requires both husband and wife to be present to sign. To apply for converting a commercial loan into a provident fund loan, the applicant and the property owner need to sign a loan contract in person. If they entrust others to sign, they must issue a notarized power of attorney. The immediate family members who participate in the repayment or have a common property owner (under the age of 18, they are not allowed to apply for a loan as a common property owner, except those under the age of 16 18, who rely on their own labor income as their main source of livelihood) shall provide relevant certification materials of the participants and the common property owner.

The law stipulates how to transfer enterprises to the public.

The first step is loan consultation and application submission.

The sub-lender consults with the original commercial loan bank, obtains the personal housing provident fund sub-loan folder, fills in it as required and submits it to the original commercial loan bank together with the following materials:

1. Original and photocopy of ID cards and household registration books of the Borrower and the Seller;

2. The original and photocopy of the marital status certificate (single person needs to sign the single declaration);

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

4. The original loan mortgage contract of the original commercial loan and a copy of the Commodity (Economic) House Sales Contract or the Stock House Sales Contract.

5. The "Housing Appraisal Report" issued by the housing appraisal agency recognized by the management center (second-hand housing business loans are converted into provident fund loans);

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

7. Other supporting materials required by the management center and the entrusted bank.

Accept a loan

1。 The entrusted bank shall interview the loan applicant and review the application materials submitted by him;

2。 Query and print the personal credit report of the borrower and spouse, and review the personal credit information and mortgage situation of both husband and wife;

3。 The entrusted bank conducts "family housing information inquiry" to the loan applicant through the real estate department;

4。 For borrowers who meet the loan conditions, the entrusted bank conducts a preliminary examination before lending in the provident fund system, and negotiates with the borrower to determine the loan amount, term, interest rate and repayment method according to the preliminary examination results and repayment ability;

5。 The entrusted bank conducts a preliminary examination in the provident fund system. If the preliminary examination fails, it shall promptly notify the borrower and inform the reasons.

The third step is to apply for a guarantee.

After the preliminary examination, the bank staff shall notify the sub-lender to go to the guarantee company to handle the guarantee procedures for transferring the provident fund loan with the following materials:

1。 Original and photocopy of ID card and marriage certificate of the sub-lender and spouse (if the sub-lender is single, the civil affairs department shall issue a single certificate);

2。 The original ownership certificate and state-owned land use certificate of the house purchased by the original commercial loan;

3。 Confirmation form of loan approval information stamped with the official seal of the entrusted bank.

The fourth step is to sign the contract

The sub-lender signed the Loan Contract and the Mortgage Contract with the loan bank with the staged guarantee letter issued by the guarantee company.

Step 5: Pre-deposit funds

The sub-lender will deposit the difference between the original commercial loan balance and the sub-loan with its own funds into the special deposit account opened by the sub-loan bank to settle the original commercial loan in advance.

Step 6: Loan

When the management center issues loan funds, the loan bank notifies the loan borrower to settle the original commercial loan with the provident fund loan funds and the borrower's pre-stored funds.

Step 7: Apply for a mortgage loan.

The guarantee company will handle the cancellation procedures of the original commercial loan mortgage on its behalf and complete the mortgage registration procedures of the transferred provident fund loan (which will be handled by the guarantee company).

In addition, four points should be noted.

1, the mortgage of "business-to-public" must be a pure operating loan, and the operating loan in the portfolio loan cannot be converted into provident fund;

2. "Business to public" must obtain the consent of the commercial bank. If there are no special problems but the bank sets obstacles, it should be argued.

3. The premise of "business to public" is that the house must have "two certificates".

4, "business to public" must require a guarantee machine.

I hope the above content can help you. Please consult a professional lawyer if you have any other questions.

Legal basis: Regulations on the Management of Housing Provident Fund

Article 3 The housing accumulation fund paid by individual employees and the housing accumulation fund paid for employees by the unit where employees work belong to individual employees.

Article 4 The management of housing provident fund shall follow the principles of decision-making by the housing provident fund management committee, operation of the housing provident fund management center, storage of special bank accounts and financial supervision.