Hello, I'm the editor of Aifang. First of all, what is a business-to-business loan? A: The full name of the commercial-to-public loan is the commercial personal housing loan (referred to as commercial loan) to the housing provident fund personal loan (referred to as provident fund loan). It refers to the personal housing provident fund loan issued by employees who have applied for commercial loans when buying their own houses in our city and now meet the conditions of provident fund loans. Its essence is a personal loan of housing accumulation fund. Second, why should we carry out commercial-to-public loans? A: Employees who have not paid the housing provident fund can only choose commercial housing loans when buying a house. With the gradual expansion of the coverage of the housing provident fund system, some employees who have applied for commercial loans have begun to pay housing provident fund, and some have met the conditions of housing provident fund. In order to fully guarantee the employees' right to enjoy low-interest loans from housing provident fund and the right to use housing provident fund to repay loans on a monthly basis, the Municipal Housing Provident Fund Management Center launched the business of transferring commercial loans to public in the second half of 2008, so as to meet the employees' demand for transferring loans and give full play to the guarantee function of housing provident fund. Considering the financing difficulties of some employees in the process of lending, after coordination with the entrusted banks, guarantee companies and real estate registration centers, after a period of preparation, the way of transferring commercial enterprises to public loans was innovated again, and commercial loans handled by cooperative banks could be directly lent. 3. What are the ways to handle corporate loans? A: At present, there are two ways to handle the business-to-public loan, one is to repay the loan first, and the other is to urge the loan. Loan repayment means that employees who have applied for commercial loans apply to the center to transfer commercial loans to the public. With the consent of the center, employees will use their own funds to pay off commercial loans and go through the guarantee procedures, and then the center will issue commercial loans to the public. Loan-for-loan refers to the borrower who has applied for a commercial loan turning from a central applicant to a public loan. With the consent of the center, the borrower will pay off the balance of principal and interest of commercial loans in advance and go through the guarantee procedures. The issuer of the center turns to public loans, and borrowers, guarantee companies and banks cooperate with the business to turn to public loans to pay off commercial loans and go through the formalities of mortgage counter-guarantee.