First, you need to apply to Commercial Loan Bank. Then receive the "Personal Housing Announcement Fund Refinancing Folder". After filling it out, submit it to Commercial Loan Bank. The following information must also be submitted at the same time: the original and copy of the lender's identity document and household register; the original and copy of the marriage status certificate. Copies; originals and copies of the real estate certificate and state-owned land use certificate; the original "Housing Mortgage Loan Contract" and house purchase contract from commercial loans; a housing evaluation report issued by a housing evaluation agency recognized by the Provident Fund Management Center; notarized documents from all property owners A written document agreeing to the mortgage; other materials required by the Provident Fund Management Center and the bank.

Secondly, after the materials are submitted, the bank will check the "Personal Credit Report" of the borrower and his spouse. If the regulations are met, the bank will conduct a preliminary review in the provident fund system; after passing the preliminary review, the bank will transfer it to a public company according to the commercial According to the requirements, the bank needs to inform the re-lender to go to the guarantee company to handle the guarantee procedures with relevant materials. The relevant materials at least include personal and spouse identity documents, household register, two housing certificates, and the "Loan Approval Information Confirmation Form" issued by the bank.

Third, the signing of the contract begins at this step. After the business-to-public transfer applicant obtains the guarantee letter from the guarantee company, he signs a "Loan Contract" and a "Mortgage Contract" with the Provident Fund Management Center. For loans exceeding the provident fund The commercial loan portion of the upper limit needs to be topped up with own funds.

Finally, after the provident fund management center disburses the loan, the guarantee company will help you cancel the mortgage procedures for the commercial loan and housing loan and transfer it to the provident fund loan mortgage registration.

At this point, the business-to-public transfer procedure is completed.