Hello,

According to the relevant provident fund policies and regulations, citizens who want to apply for a business-to-public loan should meet the following conditions:

1. Repay the portion in advance/ All mortgage loan applications have been approved by the original lending bank

2. The provident fund loan has not been used or the loan has been paid off

3. The housing provident fund has been paid continuously for 6 months and continues to be used. Make normal deposits

4. Have the ability to repay and meet the credit standards for provident fund loans

5. Agree to provide a guarantee that complies with the "Regulations on Commercial-to-Public Loans" (either ** or pledged) A kind of guarantee method)

6. Comply with the requirements of national, provincial and municipal real estate market management policies (if adjustments are made by political agents during the loan processing period, the Provident Fund Center will accept the application. The transfer will be transferred from business to public. The application time shall prevail, but If the national, provincial or municipal real estate market management policies have been clearly stipulated, those regulations shall prevail).

Processing process:

1. Consultation application: Contact the account manager of the original commercial loan bank and inform you that you need to apply for a "business-to-business transfer".

2. Submit information:

1) Original and photocopy of ID card, household registration book, and marriage certificate;

2) Information about the house purchased with the original commercial loan The originals and copies of the "House Ownership Certificate" and "State-owned Land Use Certificate".

3) Apply for the original "Loan*Mortgage Contract" and a copy of the "Commodity (Economic) House Purchase and Sale Contract" or "Existing House Purchase and Sale Contract" for the house purchased with the original commercial loan

4) The repayment record of the original commercial loan issued by the original commercial loan bank and the balance and remaining period of the original commercial loan as of the application date for the provident fund loan

5) House appraisal approved by the management center The institution issues a "House Appraisal Report" for a second-hand housing loan to provident fund loan;

6) The person with the right to the property rights of the house issues a notarized "Confirmation of Agree to the Mortgage";

7) A copy of the "Mortgage Warrant for the House Purchased by the Original Commercial Loan (Proof of Mortgage for Off-plan House or Other Warrants for the House)" provided by the original Shangdai Bank and stamped with the official seal of the bank;

8 ) Other information required by the management center or the trustee bank.

3. Submission of information for review: After the lending bank has reviewed and verified the information of the re-lender, it will be submitted to the local capital center for approval.

4. The local capital center allocates loan funds, and the on-lending bank issues provident fund loans and settles the original commercial loans at the same time.

The above answers are provided by Ronglian Weiye, please refer to

Extended reading: How to buy insurance, which one is better, and teach you how to avoid these "pits" of insurance