In Changzhou, the way of CCB's commercial loan to provident fund loan is to pay off the loan by loan, which is greater than the difference between commercial loan and public loan. Do you need to pay off the principal and interest balance of commercial loan in advance? Repaying the loan in advance is only calculated until the day you are ready to repay the loan, and you don't have to bear the subsequent loan interest after the principal is returned.

I. Commercial loans and provident fund loans include:

1. Apply first. The premise of application must be to return the remaining principal of commercial loans before applying for provident fund loans. At the same time, the amount of the provident fund loan applied for is not higher than 60% of the outstanding commercial loan principal and the total house price of the house purchased at the time of application. Moreover, the provident fund that has been withdrawn according to regulations when buying a house must be deducted from the loan amount.

2. The way to convert a commercial loan into a provident fund loan is: first, you should apply to the provident fund center (you need to remind the provident fund center which bank you borrowed from and which bank applied for the provident fund loan to repay your loan). After the approval of the provident fund center, you can apply for a provident fund loan from the bank that gave you the loan. After the provident fund loan is issued, the loan entrusting bank will directly use the issued provident fund loan to recover your commercial loan.

Two, commercial loans to housing provident fund loans must meet the following conditions:

1, the loan applicant meets the general housing provident fund loan conditions;

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

3. 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.