If the seller is not in a hurry to use the money, he can negotiate loan payment, that is, it takes a long time and takes more than 1 month.
1. You can apply for a consumer loan in the bank or take your house as collateral. You can also apply for a loan as long as you meet the standards.
2. Changing commercial loans into provident fund loans is actually a transfer of creditor's rights between commercial banks and provident fund centers. At this time, the creditor-debtor relationship between the borrower and the commercial bank is transformed into the creditor-debtor relationship between the borrower and the provident fund center, that is, the borrower repays the loan of the commercial bank to the provident fund center. Commercial loans and provident fund loans are actually two fundamentally different loans, and they are different in many aspects, such as capital subject, object, interest rate review and guarantee. Therefore, once the loan is issued, there are many problems in the transfer of creditor's rights, such as the way of loan guarantee.
When a borrower applies for a commercial loan, the guarantee method is mortgage plus developer's staged joint liability guarantee, while the guarantee method of provident fund loan is generally joint liability guarantee. The difference between the two loan guarantee methods leads to the failure to connect commercial loans and provident fund loans. The change of mortgage mortgagee who has set up mortgage registration depends on whether the real estate department can operate it. In addition, the amount of commercial loans is generally high, while the amount of provident fund loans has an upper limit. Even if the transfer of creditor's rights is feasible, it is impossible for all commercial loans to be converted into provident fund loans due to the influence of the upper limit of provident fund loans.
In addition, when commercial loans are converted into provident fund loans, there will be a time difference between canceling mortgages and refinancing mortgages. During this period, the risk of hanging collateral is relatively large, such as the possibility of selling houses and changing property rights during this period. In addition, commercial loans are self-operated by banks, and banks should consider their own interest income. If the creditor's rights are released, it will inevitably affect the bank's income, so it depends on whether the bank has the will to transfer the creditor's rights.
? In view of the operational difficulties in transferring commercial loans to provident fund loans, only Shanghai, Nanjing, Changsha, Shenyang, Dalian, Zhengzhou and Shijiazhuang can transfer commercial loans to provident fund loans at present, but most cities in China have not yet realized the transfer of commercial loans to provident fund loans.
To sum up, commercial loans cannot be converted into provident fund loans, but you can pay off the commercial loans first, and then apply for provident fund decoration loans, so you can convert them into provident fund loans, but the procedures are more complicated.
3. I haven't touched the online sign, I don't understand the process, and I can't answer it.