1, submit information. First of all, make clear the relevant matters, and after confirming that you meet the conditions for transferring to public business, submit relevant materials, fill in the application form for transferring to public business, and accept the bank's audit.

In order to avoid trouble, it is necessary to confirm the required information in advance, ensure the authenticity of the submitted information, and wait patiently for review.

2. Loan review: After the materials submitted by the lender who submitted the application have passed the review, they will receive a notice from the bank, interview the bank staff, review and print the applicant's personal credit report. At the same time, they will also make a pre-loan trial calculation in the provident fund system to calculate the repayment ability of the applicant after turning into a provident fund loan, as well as the loan amount, term, interest rate and repayment method.

This is the first trial. After the first trial is passed, proceed to the next project. If the first trial fails, the provident fund loan cannot be completed.

3. sign the contract. For applicants who have passed the credit investigation and repayment calculation, the next step is to sign a loan (mortgage) contract with the commercial loan bank, and at the same time sign a guarantee contract with the guarantee company designated by the provident fund management center.

4. Pay the difference. The amount of provident fund loans is less than commercial loans. Therefore, when a commercial loan is converted into a provident fund loan, the applicant must first repay the difference between the original total commercial loan and the total provident fund loan, which is equivalent to the down payment, and deposit it in the deposit account opened by the provident fund loan to settle the loan of the original commercial bank. The remaining loans owed to commercial banks will be settled after the provident fund loan funds are released.