1. The borrower can first settle the original bank loan with self-raised funds, cancel the original property mortgage, and then apply for a loan at the provident fund center. After re-mortgage, the loan will be paid to the borrower's account.
2. The borrower can use another house of himself or his immediate family as collateral. After paying the security fund, the provident fund center will issue loans to pay off the original commercial loans, and then the borrower will repay the provident fund loans on time to realize the transformation from business to public.
After the provident fund loan is settled, the deposit will be refunded.
3. The borrower can find a guarantee company, which will pay off the borrower's original loan in advance, the borrower will pay the advance fee and deposit, and the guarantor will provide phased guarantee.
After the provident fund center lends money, the borrower repays the original loan funds advanced by the guarantee company with the provident fund loan funds, and the guarantee company returns the deposit.
It can also realize the conversion of business to public.
4. If some areas support direct business transfer, then you don't need to pay off the commercial loan first, and you can go directly to the provident fund center for business transfer.
It should be noted that before handling commercial loans to provident fund loans, banks and provident fund centers must be consulted to find out whether they meet the conditions for commercial loans to be converted into public loans, and then make the next preparations.
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What are the procedures for withdrawing the provident fund account?
To apply for the withdrawal of housing provident fund, you can bring your personal ID card, provident fund card and proof of withdrawal to the counter of the housing provident fund management center where you deposit it to find a staff member to apply for the withdrawal of housing provident fund.
After receiving the information, the staff will verify that the employees meet the conditions for cancellation and will go through the cancellation procedures of the housing provident fund.
However, it should be noted that one of the following circumstances can apply for account cancellation.
1. Migrant workers leave the city and terminate their labor contracts with their units.
2, completely or partially lose the ability to work, and terminate the labor relationship with the unit.
3. The account moves out of this city.
4. Go abroad to settle down.
5. Retire.
4. Dead or declared dead (applied by the heir or legatee).
It should be noted that the housing provident fund management center will generally lend money to the account within three working days. When the housing provident fund account is closed, the funds will be transferred to the bank card under its name. At that time, you can take your bank card to the issuing bank for withdrawal and use.