It is understood that at present, only the provident fund management centers in some areas have cooperated with banks to carry out commercial housing loans to provident fund loans. If there is such a demand, it is recommended to 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 it meets the conditions for transferring to public business. In line with the conditions, submit relevant materials (including my and my spouse's ID card, marriage certificate or single certificate, household registration book, mortgage contract, etc. ) and fill out the "Application Form for Transferring Business".

2. Wait for the bank to review the relevant information, and then go to the bank to sign the provident fund loan contract, mortgage contract, guarantee contract, etc.

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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