What are the loan procedures for transferring business to provident fund?
The borrower needs to prepare relevant information, and then go to the reserve management center to confirm whether it has the conditions for transferring to public business. Then submit it to the bank for review and wait for notice.
After that, the borrower needs to consult the commercial loan bank and inform the bank of its intention to transfer to the provident fund loan, which will be reviewed and confirmed by the bank. Fill in and submit relevant information according to the requirements of commercial loan banks. Then the bank will enter the stage of credit investigation and loan repayment calculation. Finally, the loan contract is signed, then the difference is paid, and finally the bank issues the loan. The borrower also needs to release and hand over the property.
The cities where commercial loans are transferred to provident fund loans are as follows: Chongqing, Wuhan, Shenzhen, Changsha, Xiamen, Hefei, Changchun, Shijiazhuang, Urumqi, Lanzhou, Taiyuan, Zhengzhou, Fuzhou, Nanchang, Guiyang, Kunming, Leshan, Daqing, Tai 'an and Wuxi.
Can commercial loans be transferred to provident fund?
Generally speaking, there is no improvement, the main reasons are: the procedures for provident fund loans are more troublesome, and banks think the procedures are cumbersome; The interest rate of commercial loans is much higher than that of provident fund loans, and banks can get more profits; Developers are reluctant to accept provident fund loans, many developers have fixed cooperative banks, and developers do not want banks to handle provident fund loans.
The above is the sharing of the relevant contents of "the loan process of commercial transfer to provident fund", and I hope it will help everyone!