Commercial loans to provident fund loans need to be handled at the local provident fund center. The main process is as follows:

1, consulting banks and provident fund centers

Customers need to consult the local provident fund management center and the original loan bank first. This step is mainly to understand the policy of converting commercial loans into public loans, whether it meets the conditions of converting commercial loans into provident fund loans, what is the attitude of the original lending bank to transferring provident fund loans, and whether it supports customers to transfer provident fund loans.

2. Go to the bank to print relevant information.

In this step, the customer needs to contact the loan bank to print the repayment flow and submit the application for early repayment according to the prompt of the provident fund center. The customer can't settle the commercial loan in advance without knowing it in the provident fund center, otherwise he can't handle the transfer business.

3. Submit materials to the Provident Fund Center.

Generally speaking, the information that customers need to submit includes ID card, credit report, income certificate and information obtained from banks. What specific information is needed shall be subject to the notice of the local provident fund center.

4. Settle the commercial loan in advance.

If you want to transfer to the public, it is necessary to settle the business loan in advance. Customers need to contact the original loan bank to settle the commercial loan in one lump sum. It should be noted that the customer should settle the original commercial loan at the prompt of the provident fund center.

5. Go to the bank to get relevant materials.

After the commercial loan is settled, the customer needs to contact the account manager of the bank and get the loan settlement certificate, the original real estate license, the last settlement flow and other materials. If there is no time, they can negotiate with the bank to mail these materials.

6. The materials shall be submitted to the Provident Fund Center for review.

Customers need to submit the above information to the provident fund center for review. In order to speed up the efficiency of loan approval, customers need to ensure that there are no mistakes and omissions in the submitted materials, otherwise it will bring trouble to the review of provident fund loans.

7, provident fund center notice interview.

After the customer's loan information has been audited by the provident fund center, they will receive a notice of face-to-face signing. Face-to-face interview is not very complicated. Generally, he will only ask the customer's family, occupation, income and other standard questions, so the customer can answer truthfully according to his actual situation.

8. Go through the mortgage formalities.

Housing mortgage does not have to be handled by customers themselves. You can entrust an intermediary to handle business. Some regional provident fund centers will automatically submit customers' information to relevant departments for mortgage. Customers only need to pay attention to the progress of mortgage.

9. The Provident Fund Center arranges loans.

After the mortgage is successfully handled, there will be a mortgage certificate, which is the material that the provident fund center must master. After receiving the mortgage certificate, the provident fund center will arrange the loan. After the loan is issued, the customer will receive SMS notification and need to repay the loan according to the agreement in the future.

It can be seen that the transfer business is a complex business. If the customer is unfamiliar, you can find out in advance, or ask an experienced person for help.

Although it can save a lot of mortgage interest for customers, it is not a simple matter to handle business transfer, and customers need to meet more conditions. There will be some differences in business network transfer policies in different regions, so customers can know in advance and handle business after understanding.

Has the intermediary agency turned to public risk?

This really needs attention. Be careful. It is not recommended to find an intermediary to provide housing provident fund. In addition to charging a lot of money, it may also be suspected of breaking the law.

The advantage of transferring commercial loans to provident fund loans is that the interest rate will be relatively low, which can save a lot of interest for users. However, there are also some shortcomings, mainly: 1. If the dealer repays the loan in advance after the transfer, there is no need to transfer the loan, which is not worthwhile; 2. The number of general provident fund loans is limited, and the interest rate of the first set is low, so it may be easy to run out of loan opportunities when the business is transferred to public.

If it is converted into a provident fund loan during the repayment of commercial loans, it can save a lot of interest for users. Taking the five-year period as an example, the interest rate of provident fund loans is 3.25%. If it is a commercial loan, it is basically between 5% and 6% according to the LPR bonus model. Therefore, it can be clearly seen that the interest rate of provident fund loans is low. If the user's loan period is long and the amount is high, the cost savings of provident fund loans will be more.

First of all, there are many kinds of personal loans, which are only classified according to whether there is collateral or not, and are divided into mortgage loans and unsecured credit loans. The following is a brief analysis and explanation of these two loans:

1. Unsecured credit loan, which we refer to as credit loan for short, is a pure credit loan issued by the bank to individual customers solely based on the nature of the company, wages, social security accumulation fund, etc. There will also be a concept of consumer loans. Of course, there is no direct difference between these two concepts.

2. Mortgage loan, here mainly refers to housing mortgage loan, and of course there are also vehicle mortgage loans. I won't describe it in detail here. Mortgage loans are divided into mortgage commercial loans and mortgage consumer loans, and the amount of mortgage consumer loans generally does not exceed 1 10,000. Mortgage loan refers to the loan to use personal housing for company operation. As the name implies, a company is required to be established in the name of itself or immediate family members, including husband and wife, parents, children, brothers and sisters, etc. Mortgage can also be divided into primary mortgage and secondary mortgage, that is, mortgage is called secondary mortgage. Let's see how to operate a mortgage:

Valuation, according to the cost of the house, is evaluated by the appraisal agency, including the amount, interest rate, years, etc. You can probably calculate what you can borrow. Face-to-face signing, face-to-face signing in the bank, you need to provide relevant materials such as room books. If there is no company, start to operate the company, such as changing shareholders or legal persons, or newly registered companies. , depending on the requirements of the bank. After the bank approves the loan, the house is mortgaged and notarized. Lending and loan processing are over.

How to transfer commercial loans to housing provident fund loans

If the applicant wants to transfer the commercial loan to the provident fund, there are two main ways at present, one is to repay the loan first, and the other is to pay the loan with the loan. Details are as follows:

1 Bring our and our spouse's identification, marriage certificate, household registration book, commercial loan contract, proof of real estate appraisal and bank card for repayment, contact the original commercial loan bank and tell us that we need to go through "business-to-business", and then the staff will tell us what procedures we should go through.

The loan bank will review the application and materials submitted by us. After the approval, the bank will tell us to go through the relevant procedures, such as signing a provident fund loan contract and a mortgage contract with the loan bank.

3. Settle the balance difference between the provident fund loan and the original commercial loan and deposit it in the deposit account of the original commercial loan bank. The bank staff will make an IOU, which is the money you have paid back every month since the repayment, the total amount of IOU, the balance and so on.

Bank Doubt 4 When we inquire about credit information and repayment, the bank will sign a contract with you, not only with the bank that handles commercial loans, but also with the guarantee company designated by the provident fund management center.

After all the related matters with the commercial banks and guarantee companies designated by the provident fund management center are completed, the banks begin to issue loans, waiting for the provident fund management center to issue loans, and the loans are used to settle the remaining outstanding loans of the original commercial banks.

After the commercial loan is transferred to the provident fund loan, you should go to the original commercial loan bank to go through the formalities of cancellation of real estate mortgage and registration of provident fund loan mortgage. After the mortgage and handover of real estate are completed, you only need to repay on time according to the repayment plan.

How much is the commercial loan transferred to the provident fund intermediary?

Didn't draw it. According to relevant information, the current policy is that commercial loans that have been lent are not allowed to be transferred to the provident fund. If the commercial loan has not been approved or has just been approved and the tax has not been paid, the customer owner can only withdraw the sign of quitting the network and go back to the provident fund process. Therefore, commercial loans cannot be transferred to the provident fund, and the intermediary has not withdrawn it.

Do you want to transfer business or find an intermediary?

Personally, I don't think it is necessary to find an intermediary. Just go to the executive hall by yourself. The main thing is that you should be familiar with this operation process first.

You need to prepare the original ID card, mortgage contract, repayment bank card, provident fund payment certificate and other related materials and apply to the bank. The bank will conduct a preliminary review of everyone's information, and will inform you to go to the guarantee company to go through the guarantee procedures after passing.

The next step is to sign the corresponding loan contract with the bank, and make up the difference of the transferred provident fund loan to the original bank card bound by the commercial loan. Subsequent banks will conduct an in-depth review of the guarantee information and other materials provided by everyone, and the bank will issue loan funds after passing. Finally, everyone needs to go to the local housing authority to cancel the mortgage registration of the previous commercial loan houses and go through the mortgage procedures for transferring the provident fund.

Precautions:

The first prerequisite for business transfer is that when applying for a loan to buy a house, it is not a provident fund loan, but a direct commercial loan. The house was purchased by the unit, and the provident fund was not paid for it, but after everyone jumped ship.

For those who have already paid the provident fund when buying a house, because the provident fund paid at that time could not meet the conditions of provident fund loans, they chose commercial loans. At present, the loan method that enterprises want for Princess is to repay the loan first, or to pay the loan with the loan. It should be noted that not all regions support business transfer, so the requirements of the local provident fund management center shall prevail.

What is the process of transferring commercial loans to provident fund to find an intermediary?

Whether commercial loans can be converted into provident fund loans depends on the loan contract. I suggest you contact the loan account manager for detailed consultation. If it is a loan from Ping An Bank, you can also click the link below to select the online customer service icon in the upper right corner of the homepage or follow the official account of Ping An Bank WeChat (pingan_bank) for consultation.

Reply time: 202 1-07-23. Please refer to the latest business changes announced by Ping An Bank in official website.

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