2. Submission of materials. Submit the relevant information stipulated by the lending institution.
3. Loan acceptance. For eligible borrowers, the entrusted bank conducts a preliminary examination before lending in the provident fund system, and determines the loan amount, term, interest rate and repayment method through consultation with the borrowers according to the preliminary examination results and repayment ability; The entrusted bank conducts the preliminary examination in the provident fund system. If the preliminary examination fails, the borrower shall be notified in time and the reasons shall be informed.
4. Sign the contract. The loan applicant signed a loan (mortgage) contract with the original commercial loan bank, and signed a guarantee contract with the guarantee company designated by the management under the guidance of the bank.
5. Pre-deposited funds. The loan applicant will deposit the difference between the original commercial loan balance and the refinancing into a special deposit account opened by the refinancing bank, and settle the original commercial loan in advance with its own funds.
6. Loan issuance. Manage the issuance of loan funds, and the loan bank informs the loan borrower to use the provident fund loan funds and the borrower's pre-deposited funds to settle the original commercial loan at the same time.
7. Apply for a mortgage. The guarantee company will handle the cancellation procedures of the original commercial loan real estate mortgage on its behalf, and complete the registration procedures such as mortgage transfer of provident fund loans.
Information to be provided when commercial loans are converted into provident fund loans
1. Original and photocopy of ID card, household registration book and marriage certificate of the lender and spouse.
2 original and photocopy of the house ownership certificate and state-owned land use certificate of the house purchased by the original commercial loan.
3. The original loan mortgage contract of the house purchased by the original commercial loan and a copy of the commodity (economic) house sales contract or the stock house sales contract;
4. The repayment record of the lender's original commercial loan issued by the original commercial loan bank and the proof of the balance and remaining term of the original commercial loan as of the date of applying for the transfer to the provident fund loan;
5. The housing appraisal report issued by the housing appraisal agency recognized by the management center on the transfer of second-hand housing business loans to provident fund loans;
6. A notarized statement of consent to mortgage issued by the owner of the house property;
7. A copy of the mortgage certificate of the house purchased by the original commercial loan provided by the original commercial loan bank (the mortgage certificate of the auction house or the house ownership certificate), and stamped with the official seal of the bank;
8. Other materials required by the management center or the entrusted bank.