Housing provident fund loans can be used in the middle of mortgage loans. The amount of business-to-public loans applied for should be accepted within the maximum loan amount of housing provident fund loans announced by the local housing provident fund management Committee and the balance of the original commercial housing loans. Applicants need to have a city hukou, have full capacity for civil conduct, and apply for a loan from the bank to transfer to the provident fund on the basis of good personal credit and stable work and income.

It should be noted that when transferring the provident fund loan, the applicant needs to ensure that the purchased property has obtained the house ownership certificate issued by the local real estate registration department before the applicant can apply for the housing provident fund loan.

What are the precautions for commercial loans to provident fund loans?

1. The applicant and the applicant's spouse have good personal credit and no bad records in the personal credit information system of the People's Bank of China;

2. The applicant's original commercial housing loan must be an individual housing loan, which is judged according to the original commercial housing loan contract;

3 to the housing provident fund management center to fill in the "transfer provident fund loan consultation record form" to confirm whether it meets the conditions;

4. After determining and completing the above matters, the applicant will use self-raised funds to pay off the original commercial personal housing loan, and apply to the housing provident fund management center for transfer of provident fund loans within one month;

5. In the process of transferring loans to the provident fund, the borrower may not change;

6. The real estate development procedures of the original house purchase are complete and meet the sales requirements;

7. Housing portfolio loans do not apply for transfer to provident fund loans, and transfer to provident fund loans do not apply for employee housing portfolio loans;

8. The applicant shall pay the housing provident fund in full and on time;

9. There is no housing provident fund personal loan debt and other outstanding debts, which may affect the loan repayment ability.