1. Consultation acceptance: Loan refinancing applicants should go to the original commercial loan bank for consultation. If they meet the conditions for refinancing, bank staff should guide the borrower to correctly and completely fill in the "Personal Housing Provident Fund Refinancing Information".

2. Submit information: Submit relevant information specified by the lending institution.

3. Loan acceptance: For qualified borrowers, the entrusted bank will conduct a pre-loan trial calculation in the provident fund system, and based on the trial calculation results and loan repayment ability, negotiate with the borrower to determine the loan amount, term, and loan amount. Interest rate and repayment method; the entrusted bank will conduct a preliminary review in the provident fund system. If the preliminary review fails, the borrower will be contacted in a timely manner and informed of the reasons.

4. Sign a contract: The loan applicant signs a loan (mortgage) contract with the original commercial loan bank, and at the same time signs a guarantee contract with the guarantee company designated by the management under the guidance of the bank.

5. Pre-deposited funds: The borrower will use his own funds to deposit the difference between the original commercial loan balance and the re-loan into a special deposit account opened by the re-loan bank to settle the original commercial loan in advance. .

6. Loan disbursement: manage the disbursement of loan funds, and the on-loan bank will notify the on-loan borrower to settle the original commercial loan with the provident fund loan funds and the borrower's pre-deposited funds at the same time.

What are the conditions for converting a commercial loan into a provident fund loan?

1. The unit that issues the commercial loan needs to agree: Generally speaking, banks are the ones that issue commercial loans. If you want to convert it into a provident fund loan, If you take a loan, it means that the interest charged by the bank will be reduced, so you need to communicate with the bank and ask how to go through the procedures.

2. Meet local provident fund loan requirements: If you want to convert a commercial loan into a provident fund loan, you must also meet some requirements for provident fund loans. These requirements will also differ in different places. How to implement them specifically? You can implement them according to the rules and regulations of the relevant local departments.

3. The property you purchased has obtained the property ownership certificate: If you want to convert the commercial loan into a provident fund loan, then you need to issue the property ownership certificate of the house you purchased. This is an essential process. , because the bank needs proof of your property title as collateral. In addition, you must have a stable income and continue to pay provident fund, etc. Of course, the specific situation also needs to be implemented according to the policies of the local government.