2. The loan transfer business only accepts the application of the original housing loan borrower or spouse;

3. The applicant needs to confirm with the bank that the house purchase loan has not been settled, and apply to the bank for early settlement of the loan. After the bank agrees, it can handle the next provident fund loan transfer business;

4. The applicant shall ensure that the original commercial housing purchase loan has been repaid for more than one year (inclusive), with a good credit record and no overdue behavior;

5. When the applicant handles the transfer, ensure that the purchased property has obtained the house ownership certificate issued by the local real estate registration department, and the applicant has not applied for a housing provident fund loan before;

6. The amount of public loans applied for commercial transfer shall be accepted within the maximum amount of housing provident fund loans announced by the local housing provident fund management committee and the balance of the original commercial house purchase loans. The interest rate of corporate commercial loans is subject to the current housing provident fund loan interest rate.

Information required for commercial loans to provident fund loans

1. Original and photocopy of ID card, household registration book and marriage certificate of the lender and its spouse.

2. Original and photocopy of real estate license and state-owned land use certificate.

3, for commercial loans to buy housing loan mortgage contract, commodity (economic) housing sales contract or stock housing sales contract copy;

4. The original commercial loan repayment record and the original commercial loan balance and remaining term certificate issued by the original commercial loan bank;

5. The "Housing Appraisal Report" issued by the housing appraisal agency recognized by the management center for the second-hand housing provident fund loan business loan;

6. A notarized letter of reconciliation issued by the owner of the house property;

7. The original commercial loan bank shall provide a copy of the mortgage certificate of the original commercial loan to purchase the house (the mortgage certificate of the auction house or other house ownership certificate) and affix the official seal of the bank;

8. Other information required by the management center or the entrusted bank.

Process of transferring commercial loans to provident fund loans

Pre-loan consultation: loan applicants go to the provident fund management center for consultation and get relevant forms.

2. Loan application: the loan applicant submits a written application to the provident fund management center and submits the corresponding application materials.

3. Pre-loan investigation: The provident fund management center conducts pre-loan investigations such as personal credit investigation, real estate investigation and real estate evaluation according to the information provided by the loan applicant.

4. Approval: The provident fund management center examines the application materials and investigation provided by the loan applicant and decides whether to approve or disapprove the loan.

5. Settle the original commercial loan and cancel the original mortgage: After the provident fund management center approves the loan, it will notify the loan applicant to settle the original commercial loan and cancel the original mortgage within 15 working days.

6. Signing a contract: The loan applicant signs a housing mortgage loan contract in the provident fund management center with the settlement certificate of the original commercial loan, the original and photocopy of the house ownership certificate purchased by the original commercial loan, and other materials required by the provident fund management center.

7. Handle mortgage registration, notarization and loan issuance.