(1) The applicant applies to the original commercial housing mortgage loan bank to repay part or all of the principal and interest of the housing mortgage loan in advance, and promises in writing that it has obtained the consent of the bank, and at the same time obtains the loan balance certificate and loan details certificate confirmed by the bank;

(two) the applicant through the provident fund center online service platform to make an appointment for the applicant to turn to public loans, and submit materials at the business outlets designated by the provident fund center;

(three) the provident fund center to review the application materials, and make a decision on whether to issue operating loans to the society within 5 working days from the date of receiving the loan application submitted by the entrusted bank;

(4) Signing contracts and implementing guarantees related to commercial loans. The applicant signs a housing provident fund loan contract with the entrusted bank and goes through the loan procedures such as guarantee;

(5) Lending by the entrusted bank.

Remarks:

1. The loanable amount of the commercial-to-public loan shall not be higher than the balance of the original commercial housing mortgage loan;

2. The loan amount of an enterprise to the public shall not be higher than the loan amount calculated according to the loanable ratio. The loan amount is based on the contract price of the house purchased by the applicant as the total house price, and the loan loanable ratio is determined according to the down payment ratio stipulated by the state when the provident fund center accepts the applicant's loan application.