1. When commercial loans are converted into provident fund loans, there will be a time lag between the cancellation of mortgage and the re-application of mortgage, which will lead to the suspension of collateral and high operational risks, such as the sale of houses and the change of property rights during this gap. In addition, commercial loans are self-operated by banks, and banks should consider their own interest income. If the creditor's rights are released, it will inevitably affect the bank's income, so the bank may not be willing to help customers.

2. You can ask the account manager who helped with the commercial loan to help you transfer to the provident fund loan again.

3. Application materials:

(1) Two loan application approval forms.

(2) The original and photocopy of the house purchase contract (agreement) are each 1 copy.

(3) Proof of salary and income (available in our center): 2 copies for both husband and wife.

(4) Copy of ID card: 4 copies for the principal applicant and 2 copies for the spouse.

(5) Two copies of the husband and wife's household registration book.

(6) Two copies of marriage certificate and two copies of single certificate.

(7) Two copies of deposit certificate (invoice or receipt).

(8) The original and two copies of the real estate license.

(9) Two originals of the loan contract.

(10) 1 The original and photocopy of the bank statement last month.

Second, how can banks complain if they don't handle business transfer?

If you don't handle it, you can call the head office to complain.

Converting commercial loans into provident fund loans means converting outstanding commercial loans into provident fund loans. Generally, it is necessary to settle the loan first, that is, after the loan of a commercial bank is settled, it is necessary to apply for a loan from the provident fund management center. Although the two departments handle mortgage loans in different ways, it is impossible to turn commercial loans into corporate loans if banks do not cooperate with lending.

Commercial banks do not agree to transfer business to the public, many of which are for the benefit. After all, the Business Transfer Association lowers the expected interest rate of banks. But the main reason is that the borrower does not meet the requirements, for example, the repayment time is less than one year, or there is overdue behavior during the repayment period. Borrowers can look at the reasons, and then find ways to improve their qualifications, and then apply for commercial loan banks.

If it is really unclear how to get commercial banks to agree to turn their business into public ownership, borrowers had better go to an intermediary or guarantee company to help them turn their business into public ownership. Because intermediaries and guarantee companies are familiar with the process of public transfer business and know the routines of most banks, it will be easier to have their help, but they will charge a certain fee as a reward.

The above is the relevant introduction of "What to do if commercial banks disagree". . In short, it is more troublesome for commercial banks to transfer to public enterprises, but as long as the transfer is successful, the borrower's loan interest rate will be implemented according to the provident fund loan interest rate, which can save a lot of interest than pure commercial loans. So no matter how difficult the process is, there is hope that you can try again.

3. Can banks complain to the Market Supervision Bureau on the pretext of not handling enterprise accounts?

You can complain, but before you complain, you must first understand the reasons for not handling it. If the bank handles it according to the regulations, the complaint will not have any impact on the bank. At present, the audit of opening a company account is particularly strict, and there are many conditions that must be met. For example, some banks require on-site verification of business addresses and require legal persons to be present in person. These demands are well-founded. In case of special circumstances, try to negotiate with the bank.

Fourth, is it useful to complain to the public about the slow progress of business?

It's no use complaining to the public about the slow progress of business.

Commercial loans are converted into provident fund loans, and policies in different regions are different. The financial management center cooperates with banks to provide commercial housing loans.

Business-to-public loan refers to the activities of employees who have paid the housing provident fund, applying for commercial housing mortgage loans to buy commercial housing (limited to residential housing, the same below), policy housing and affordable housing within the administrative area of this Municipality, but they have not paid off the original commercial housing mortgage loans and have the conditions for housing provident fund purchase loans, and use the housing provident fund purchase loans (hereinafter referred to as provident fund loans, including provident fund portfolio loans) to partially or fully repay the original commercial housing mortgage loans.