Changsha commercial loans to provident fund, capital occupation fee charged by the guarantee company. The guarantee fee is collected by the guarantee company, and there are two ways to collect it: if it is paid off in advance, it will not be refunded: loan amount × loan term × 0.7 ‰; Pay off in advance and return in proportion: loan amount × loan term × 1‰.

The specific process is as follows:

1. The borrower takes the above materials to the provident fund center, and after the preliminary examination by the staff of the center, entrusts the bank to issue a credit report. If the credit is good, it will enter the next step.

Two, fill in the "commercial housing loan to provident fund loan application approval form", the borrower to the original loan bank credit department seal, and transfer a copy of his warrants from the bank (with the official seal of the bank).

3. The borrower returns to the provident fund center with the "Re-loan Application Form" and a copy of other warrants. After the staff of the center pass the re-examination, the guarantee company issues a check, and the borrower takes the check to the original loan bank to pay off the loan balance.

4. Finally, the borrower signs the loan contract and guarantee contract in the provident fund center and pays the guarantee fee.

Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to the national regulations, all employees who have paid the provident fund can apply for provident fund loans according to the relevant provisions of provident fund loans.

According to the regulations, employees who have paid the housing provident fund for a certain period of time or more (the period varies from city to city, such as Changsha exceeding 12 months) can apply for provident fund loans when the funds for purchasing, building, renovating or overhauling their own houses are insufficient.

Provident fund loan refers to individual housing provident fund loan, which is a mortgage loan that is paid by local housing provident fund management centers using the housing provident fund paid by employees who apply for provident fund loans, and entrusted by commercial banks to the housing provident fund depositors who purchase, build, renovate or overhaul their own houses and retired employees who pay the housing provident fund during their employment. According to the regulations, employees who have paid the housing provident fund for a certain period of time or more (the period varies from city to city, such as Changsha exceeding 12 months) can apply for provident fund loans when the funds for purchasing, building, renovating or overhauling their own houses are insufficient.