Yes Commercial loans can be converted into portfolio loans, but the following conditions must be met:

1. The loan applicant must pay the housing provident fund to the housing provident fund management center on time, in full and continuously within six months before applying for the loan;

2. The housing purchased by the loan applicant is self-occupied ordinary housing;

3, a stable source of economic income and the ability to repay the principal and interest on time;

4. Provide the guarantee company recognized by the Center as repayment guarantee or the securities recognized by the bank as pledge;

5. The loan applicant has obtained the house ownership certificate, house ownership certificate and state-owned land use certificate of the purchased house;

6. Both husband and wife of the loan applicant shall not have outstanding provident fund loans.

2. Can Wuhan second-hand housing commercial loans be converted into commercial and provident fund portfolio loans?

I don't know if it can be done, even if it can be done, it will be very complicated, because banks and provident fund centers will give you trouble.

The bank doesn't want you to transfer, because his profit is low.

The provident fund is because the provident fund center is unwilling to give loans to users, because the money is used for investment, and the interest on loans is not as much as that earned by his investment.

So both sides will set up cards for you to see what you can do. Find someone.

Three. The process of converting commercial loans into portfolio loans

The application process is as follows: 1. The applicant first makes an appointment online and declares the loan; 2. After the bank accepts it, it shall submit the loan portfolio application to the provident fund management center; 3. After the approval of the center, submit it to the bank for approval; 4. After the applicant signs the contract with the bank, the original commercial loan is settled, and the entrusted bank turns it into a corporate loan; 5. The applicant receives the information and the business is completed. The following conditions must be met when a commercial loan is converted into a portfolio loan: 1. The loan applicant must pay (remitted by the company) the housing provident fund to the local housing provident fund management center (hereinafter referred to as the center) on time, in full and continuously within 6 months before applying for the loan, and will not pay (the company will not pay) the housing provident fund within 2 years before applying for the loan from the date of joining the housing provident fund system; If the loan applicant is transferred from other places to this city, the housing provident fund shall be paid on time, in full and continuously (remitted by the unit) six months before the transfer, and the provident fund has been remitted at least 1 month in the center (the remittance status is normal and there is no default); 2. The housing purchased by the loan applicant is self-occupied ordinary housing; 3. The loan applicant is the owner or owner of the purchased self-occupied house (the purchase contract is signed and sealed by the buyer); 4, a stable source of economic income and the ability to repay the principal and interest on time; 5. Provide the guarantee company recognized by the Center as repayment guarantee or the securities recognized by the bank as pledge; 6. The original commercial loan must be a house purchase loan and there is no debt for more than two months at the time of lending; 7. The loan applicant has obtained the house ownership certificate, house ownership certificate and state-owned land use certificate of the purchased house; 8. Both husband and wife of the loan applicant shall not have outstanding provident fund loans. It should be noted that: 1 The loanable amount of the commercial-to-public loan is 12 times of the balance of the applicant and the applicant's housing provident fund account, but not higher than the balance of the original commercial housing mortgage loan. 2. Within 90 days from the date of completion of the examination and approval, it is not allowed to apply for a loan again for the same collateral. 3. If the employee is married, the spouse must be present at the same time to apply for a loan. If one or both parents participate in the quota calculation, both parents must be present to apply for a loan.

Wuhan commercial loan to portfolio loan?

If you apply for commercial housing loans through China Merchants Bank Wuhan Branch, you can apply for "commercial loans to provident fund loans", but at present it is limited to pure provident fund loans. Please directly contact the local loan handling bank for consultation and confirmation for specific relevant business regulations.