Hello,

Converting commercial loan to provident fund loan:

Application conditions:

1. The original commercial bank housing loan must be repaid normally. The loan has been paid for more than 1 year, and a record of no overdue repayment provided by the original lending bank shall be issued;

2. For a property applying for "business-to-public transfer", the property ownership certificate must have been obtained, and the property must have no other Legal dispute;

3. The consent of the original commercial loan bank is required to apply for "business to public transfer";

4. The borrower's marital status has been changed when applying for "business to public transfer" If there is a change, relevant certificates and legal property ownership certificates should be provided.

Application materials:

1. Original and photocopies of the borrower’s couple’s ID cards, household registers, and marriage certificates;

2. Other reasons such as divorce If you apply for "business-to-public transfer" due to different reasons, you must provide divorce certificate and the people's court's judgment on the division of marital property or a notarized property division agreement, and the ownership of the property rights of the house must be clearly stated;

3. Copy of the property ownership certificate of the house;

4. If applying for "business-to-public transfer", the original and copy of the loan contract for the housing loan from the original commercial bank must be provided, as well as the borrower's information provided by the original lending bank Regular repayment history and loan balance of a business loan.