General commercial loans cannot be converted into provident fund loans, as long as they are provident fund loans, they can be converted into commercial loans. Specific borrowers can consult bank staff.

Second, how to transfer commercial loans to housing provident fund? What is the procedure? Is it getting better?

Policies will be different in every place. Changsha policy is as follows:

Commercial loans are converted into provident fund loans.

Those who meet the conditions of personal provident fund loans may apply for commercial loans to provident fund loans after the bank loans are settled.

There are two ways to transfer commercial loans to provident fund loans:

(1) The mortgaged property has been set. If the loan applicant meets the conditions of housing provident fund loan, after being confirmed by the loan examiner, he shall first go to the bank for prepayment of commercial housing loan, and provide the statement of account, the receipt for the last loan repayment, the real estate license for refinancing and the housing value agreement. Commercial housing loans using this set of housing mortgage with housing provident fund loans must be handled within 7 working days after the settlement of commercial housing loans.

(2) Other property mortgage. Provide the original loan contract, the purchase contract, the loan balance form issued by the commercial bank and the certificate of agreeing to pay off in advance, as well as the real estate license and house value agreement with mortgage. Among them, "other people's real estate (with real estate license)" needs to meet four conditions: a. Within the urban area; B not more than 20 years from the date of completion; C. not within the scope; D. not affordable housing. If it is in Changsha, please consult our company.

3. Is Taizhou's commercial loan-to-provident fund perfect?

Can commercial loans be transferred to provident fund? As long as certain conditions are met

1. Can commercial loans be converted into provident fund?

Whether it will improve depends on the attitude of local commercial banks and the local provident fund application plan. Different people may have different answers to the same question.

The improvement is because since there is a business of transferring commercial loans to provident fund, as long as certain conditions are met, it is as simple as taking the process to transfer loans.

The lack of improvement is mainly due to the application conditions, which leads to the unsmooth loan process, so it is difficult for some people.

Second, the commercial provident fund loan conditions

1, provident fund account status, to be paid normally;

2. The continuous deposit time of provident fund should be more than 6 months, and the cumulative deposit time should not be less than 12 months;

3. The balance of the provident fund account is sufficient to apply for a loan amount that meets the demand;

4. Stable working income, good repayment ability, normal repayment of the original commercial loan for more than 1 year, and no overdue records;

5. The original commercial loan bank supports the transfer of provident fund loans;

6. The commercial loan part of the portfolio loan that has been handled cannot be transferred to the provident fund loan;

7. Commercial loan provident fund can only apply for pure provident fund loans and cannot be converted into a combination of semi-commercial loans and semi-provident fund loans.

4. Has the loan from commercial loan to provident fund improved?

If commercial loans are not improved, the following conditions must be met: 1. When the borrower applies for a loan at the place where he applies for a provident fund loan, the provident fund is in a normal deposit state; 2, the applicant or * * * and the applicant's unit in accordance with the provisions for the borrower to pay housing provident fund for more than a month; 3. The applicant has a stable economic income and the ability to repay the loan; 4. The applicant agrees to provide the approved loan guarantee method; 5. The applicant and * * * together with the applicant, including the spouse, have no outstanding loans or other debts except the loan transferred to the provident fund. There are many conditions for commercial loans to be converted into provident fund loans. The policies of each city vary due to geographical restrictions, but generally meet the following requirements. 1, which meets the requirements of local provident fund loans. This is the first premise. Since it is to be converted into a provident fund loan, it must also meet some requirements for provident fund loans. These requirements also vary from city to city, depending on the rules and regulations of relevant local departments. 2. The unit that needs to issue commercial loans agrees. Generally speaking, commercial loans are issued by banks. If you want to convert it into a provident fund loan, it means that the interest charged by the bank will be reduced, so you need to communicate with them and ask them to cooperate. 3. The purchased property has obtained the title certificate. If you want to convert a commercial loan into a provident fund loan, then you need to issue the property certificate of the house you bought, which is also essential because you need it as a mortgage.