1. Prepare ID card, household registration book, house ownership certificate or house sales contract, original commercial loan contract, house mortgage certificate (mortgage certificate of forward house or other house ownership certificate), repayment record of original commercial loan issued by original commercial loan bank, proof of original commercial loan balance and remaining period as of the date of applying for transfer to provident fund loan, and fill in relevant forms and submit application materials.
2. The management center conducts examination and approval according to the information provided by the applicant, and the real estate appraisal makes a decision to approve or disapprove the loan.
3. After the loan is approved by the management center, the applicant shall settle the difference between the original commercial loan balance and the commercial-to-public loan within 15 working days after receiving the notice, and cancel the original mortgage.
4. The applicant signs a loan contract with the original commercial loan settlement certificate and other materials required by the management center, and goes to the Housing Authority for mortgage registration.
5. After notarization, the management center issues loans.
If the online loan is overdue and has been collected, you can get a big data report in Xiaoqi Credit Information, find out your overdue records, and classify your online loans, formal and informal, with credit information and without credit information. If you want to pay back the money but don't have enough funds, then negotiate with the online lending platform to give priority to formal credit reporting and reduce the impact on yourself.
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Can outstanding provident fund loans be revoked?
The user has signed a mortgage contract, but the provident fund loan has not been released. It can be revoked at this time. However, the early termination of the mortgage contract is a unilateral breach of contract by the user. If you want to terminate the contract successfully, the user needs a certain penalty.
In addition, the interest rate of provident fund loans is lower than that of commercial loans. If the application for provident fund loan is successful, it is generally not recommended to cancel it.
Moreover, the slow speed of provident fund loans does not mean that commercial loans are fast. Generally speaking, the speed of provident fund loans is generally faster than that of commercial loans.