What does China Merchants Credit Card cffzqb9 mean? China Merchants Credit Card cffzqb9 represents: a long-term empty card, which means there is no money in the card and it is not used frequently. It's like being locked up in a small dark room. No installments will be given, but the amount will be reduced for you.

Conditions for converting commercial loans to provident fund loans

1. Pay the housing provident fund normally in the local area;

2. The refinancing business only accepts borrowers with original housing loans or Spouse's application;

3. The applicant needs to confirm with the bank that his house purchase loan has not yet been settled, and at the same time submit an application to the bank to settle the loan in advance. Once the bank agrees, the next transfer to provident fund loan business can be handled;

4. The applicant must ensure that the original commercial house purchase loan repayment is more than 1 year (inclusive), and that the credit record is good and there is no overdue payment Behavior;

5. When applying for a business transfer to a public company, ensure that the property purchased has obtained the house ownership certificate issued by the local real estate registration department, and the applicant has not applied for a housing provident fund loan before;

6. The amount of the commercial-to-public loan applied for should be within the maximum loan amount of the housing provident fund loan announced by the local housing provident fund management committee and the balance of the original commercial home purchase loan before it can be accepted. The interest rate for commercial-to-public loans is based on the current housing provident fund loan interest rate.

Information required to convert a commercial loan to a provident fund loan

1. Original and photocopy of the identity card, household register and marriage certificate of the person to whom the loan is transferred and the spouse.

2. The original and photocopy of the "House Ownership Certificate" and "State-owned Land Use Certificate" of the house purchased with the original commercial loan.

3. Apply for the original "Loan Mortgage Contract" and a copy of the "Commodity (Economic) House Purchase and Sale Contract" or "Existing House Purchase and Sale Contract" for the house purchased with the original commercial loan;

4. The repayment record of the original commercial loan issued by the original commercial loan bank and the certificate of the balance and remaining term of the original commercial loan as of the application date for the converted provident fund loan;

5. Approved by the management center The housing appraisal agency issues the "House Appraisal Report" for the second-hand housing loan to provident fund loan;

6. The person with the right to the property rights of the house issues a notarized confirmation letter agreeing to the mortgage;

7. A copy of the mortgage certificate for the house purchased by the original commercial loan provided by the original commercial loan bank (off-plan mortgage certificate or other property rights certificate) with the official seal of the bank;

8. Management center or trustee Other information required by the bank.

2. The process of converting commercial loans into provident funds

1. Pre-loan consultation: Loan applicants go to the provident fund management center for consultation and receive relevant forms.

2. Loan application: The loan applicant submits a written application for a business-to-public loan to the Provident Fund Management Center and submits the corresponding application materials.

3. Pre-loan investigation: Based on the information provided by the loan applicant, the Provident Fund Management Center conducts pre-loan investigation work such as personal credit investigation, property inspection, and property evaluation.

4. Review and approval: The Provident Fund Management Center will review the application materials and investigation results provided by the loan applicant, and make a decision to approve or disapprove the loan.

5. Settle the original commercial loan and cancel the original mortgage: After the Provident Fund Management Center approves the loan, it will notify the loan applicant to settle the original commercial loan and cancel the original mortgage within 15 working days.

6. Sign the contract: The loan applicant shall hold the original commercial loan settlement certificate and the original and photocopy of the "House Ownership Certificate" or "Commercial Housing Advance Registration Certificate" for the house purchased by the original commercial loan and the requirements of the Provident Fund Management Center For other information, go to the Gongjixin Management Center to sign the "Housing Mortgage Loan Contract".

7. Handle mortgage registration, notarization and loan disbursement.

1. How many repayment methods are there for China Merchants Bank’s credit cards?

Apply for a credit card. For the convenience of all cardholders, the China Merchants Bank Credit Card Center has opened multiple repayment methods. We hope you can repay smoothly through the following methods.

1. Repayment in Palm Life: Download the official APP of China Merchants Bank Credit Card - "Pocket Life" on your mobile phone, and you can follow the prompts to repay conveniently.

2. Mobile banking repayment: You can log in to China Merchants Bank’s mobile banking and find “Repayment Management”, and the credit limit will be restored immediately after repayment.

3. Online banking repayment: You can log in to the public version or professional version of China Merchants Bank’s online banking, operate the repayment directly in online banking, and restore the limit immediately.

4. Automatic repayment: Automatic repayment is a super convenient and labor-saving repayment method. After binding the CMB all-in-one card with your credit card, CMB will deduct it from your all-in-one card on the due date of repayment. Repayment is required. Please note that during automatic repayment, the credit card's available limit will be restored the next day. The above methods are the CMB credit card repayment methods. Operating environment: readmi k30Pro APP version: 6.6.2