The significance of changing commercial loans from commercial to public is that the main body of commercial loans is generally commercial banks, while the main body of provident fund loans is the provident fund center, because they are different loan bodies. If the provident fund loan is a new loan relationship, the previous loan must be settled and the mortgage lifted before re-applying for the provident fund loan. If the commercial loan is not settled, there is no way to cancel the mortgage and it is impossible to apply for a provident fund loan. The settlement of commercial loans is one of the necessary conditions for business to be public.

Transferring commercial loans to provident fund means paying off all commercial loans at one time, that is, after the commercial loans are settled, applying for provident fund housing loans. The main reason for transferring to provident fund loans is that the interest rate of provident fund loans is lower than that of commercial loans, which can help mortgage users save a loan cost.

2. What is the process of transferring commercial housing loans to provident fund loans? Is it for yourself? ...

Application conditions:

The original commercial bank's housing loan must be repaid normally for more than 1 year, and the record of no overdue repayment provided by the original lending bank shall be issued; To apply for "business to public" real estate, you must apply for the property ownership certificate, and there are no other laws on real estate; Handling "corporate business" must obtain the consent of the original commercial loan bank;

If the marital status of the borrower changes when applying for "business to public", relevant certificates and legal property ownership certificates shall be provided.

Application materials:

The original and photocopy of the ID card, household registration book and marriage certificate of both husband and wife of the borrower;

If you apply for "business to public" for other reasons such as divorce of husband and wife, you must provide a divorce certificate and a judgment of the people's court on the division of husband and wife's property or a notarized property division agreement, and the ownership of housing property must be clearly stated;

Copy of house ownership certificate;

To apply for "business-to-business", the original and photocopy of the housing loan contract of the original commercial bank should be provided, as well as the normal repayment record and loan balance of the borrower's commercial loan provided by the original loan bank.

Third, commercial loans need provident fund loans to pay off commercial loans?

First of all, answer directly.

When the applicant turns to the public, the lender needs to settle the commercial loan in advance before applying for the provident fund loan. In this process, there are several aspects that lenders must pay attention to, otherwise the commercial transfer to the public sector may fail.

Second, the specific analysis

First of all, before settling the commercial loan, the lender needs to apply to the provident fund center to transfer the commercial loan to the public. After the provident fund is audited, the commercial loan will be settled in advance as required. When settling the commercial loan, the commercial loan needs to be repaid normally for one year.

Secondly, when the applicant turns to the public, the amount of provident fund loan applied by the lender cannot exceed the upper limit of the amount of provident fund loan, and the lender has good credit information.

Finally, the lender has sufficient repayment ability and stable income to repay the loan. Eligible lenders can bring all the information to the relevant departments for business.

Of course, different regions have different requirements for provident fund loans. For the sake of safety, when the applicant turns to the public, the lender shall not act alone. It's best to do some understanding in advance and get ready for customs clearance.

If you have overdue records online, or have loan records from multiple platforms, your records will be subject to big data risk control. When your online lending platform often rejects you, even the flower garden will close. If there is any abnormality in your online hacker data, you can find that Xiaoqi Credit Information can get your own big data and credit status, various index data, and you can query your own personal credit status, blacklist, online loan application record, application platform type, overdue amount, whether there are arbitration cases and other important data information.

Third, how to transfer the off-site provident fund to the local provident fund?

Users can directly go to the local provident fund center to handle the transfer of provident fund in different places, or directly handle the transfer and connection business through online channels.

The two sides agreed that the transfer of provident fund can be handled in different places, but the former needs to go to the provident fund center in person or submit the application directly through online channels, and at the same time, you can know the application progress through online channels.

In addition, users need to pass the audit to transfer the provident fund in different places. If the audit fails, the provident fund cannot be transferred in different places. As long as there is no debt in the previous account, they can generally transfer money normally.

Do I have to solve the business loan in person?

You must go in person. Business-to-business loan settlement must carry valid certificates, and no one can do it for you. The full name of "revolutionary commercial loan" means that when the liquidity of funds in urban centers and sub-centers is relatively insufficient, commercial banks issue commercial personal housing mortgage loans to borrowers according to the loan amount approved by the housing provident fund center and the housing provident fund center, and the housing provident fund center subsidizes the interest difference of commercial banks monthly.