1, there must be a sum of money to pay off the provident fund loan first; 2. Apply to the Housing Management Office for cancellation of mortgage registration; 3. Apply for a loan from a commercial bank; After the mortgage registration is completed, the whole process will take about 1 month.

1. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees. ?

2. The annual interest rate of provident fund loans 1-5 is 4.59%, and it is 5.04% in 6-30 years. The maximum amount of provident fund loans was adjusted from July this year 1 from 400,000 to 600,000. The longest loan period is 30 years.