1. The lender can first settle the original bank loan with self-raised funds, cancel the original house mortgage, and after re-mortgage, the provident fund center will release the loan to the customer's deposit account;
2. The lender pays the down payment and takes another house of himself or his spouse or immediate family as collateral. The provident fund center can lend money to customers, and the customer will refund the deposit after paying off the original loan;
3. The lender can find a guarantee company, which will pay off the original loan of the customer in advance, and the lender will pay the advance fee and deposit, and the guarantor will provide phased guarantee. After the mortgage is implemented, the provident fund center will lend money and refund the lender's deposit.
Legal basis: Article 11 of the Regulations on the Administration of Housing Provident Fund.
The housing provident fund management center shall perform the following duties:
(a) the preparation and implementation of housing provident fund collection and use plan;
(two) responsible for recording the deposit, withdrawal and use of employee housing provident fund;
(three) responsible for the accounting of housing provident fund;
(four) to approve the extraction and use of housing provident fund;
(five) responsible for the preservation and return of housing provident fund;
(six) the preparation of housing provident fund collection and use plan implementation report;
(seven) to undertake other matters decided by the housing provident fund management committee.
Article 34
Housing provident fund management center and employees have the right to urge units to perform the following obligations on time:
(a) housing provident fund deposit registration or change, cancellation of registration;
(two) the establishment, transfer or sealing of the housing provident fund account;
(3) Paying the housing provident fund in full.