The first step is to go to Chongqing Provident Fund Center (Daxigou, Yuzhong District) to make an appointment to get the number. When you get the number, just wait for the notification message from the provident fund center, which will remind you when to submit the loan application. During this period, what you need to prepare is: income certificate, salary card bank running bill, and repayment details of the original commercial loan bank. Then go to the provident fund center to submit the business transfer information according to the time prompted by the SMS.
At the same time, you should send the information of the provident fund center to the guarantee company for review (only for review, the original will be returned), pay the guarantee fee (the fee is 3.5% of the amount of funds), sign the guarantee contract, and open the provident fund card at the designated bank.
Special reminder is that the main lender applying for provident fund loan must be the same as the main lender of the original commercial loan! ! Don't change, don't change, don't change! ! Important things must be said three times! !
During the preliminary examination, you can make an appointment with the original loan bank for prepayment. The time of each bank is different, subject to the appointment.
Pass the preliminary examination
After passing the preliminary examination, the Provident Fund Center will send a short message, and then carry all the materials and originals to the "Meeting Room of the Municipal Housing Property Guarantee Company" in Renhe Street, Yuzhong District for signing the contract according to the time agreed in the short message. Then submit the information to the bank that will lend money together with the guarantee company. At this time, Bian Xiao also heard other netizens say that they must arrive early. Many people queue up to get the number when the bank is not open.
The bank passed the audit.
After the approval of the bank, the next step is to spend 290 yuan for notarization. The address is the notary office at two intersections. The notarization is completed and handed over to the guarantee company. Wait for the new loan notice. After the loan notice, go to the guarantee company to get your original information. At this point, the process of transferring commercial loans to provident fund is completed! !
Bian Xiao thinks it is not difficult for him to apply for commercial loans to transfer to provident fund. After all, the guarantee company is ready to contact. Although the process of the provident fund center is strict, it is still relatively simple. As long as you are willing to take the time to get it, all your savings are big bills of glistening. The netizen who shared it told Bian Xiao that it could save more than 300,000 yuan after the commercial transfer. Bian Xiao closed his eyes and thought for a moment. It was worthwhile to spend some time.
(The above answers were published on 20 16-0 1-07. Please refer to the actual situation for the current purchase policy. )
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