Can Ningbo's local household registration be changed from commercial loans to provident fund loans?

At present, there are two ways to handle corporate loans, one is to repay the loan first, and the other is to offset the loan with the loan.

Repayment means that employees who have applied for commercial loans apply to the center to transfer commercial loans to the public. With the consent of the center, employees will pay off their commercial loans with their own funds and go through the guarantee procedures, and then the center will issue commercial loans to the society.

Loan-for-loan refers to the borrower who has applied for a commercial loan changing from a central applicant to a public loan. With the consent of the center, the borrower pays off the balance of principal and interest of commercial loans in advance and goes through the guarantee procedures. Center issuers turn to public loans, and borrowers, guarantee companies and banks cooperate with the business to turn to public loans to pay off commercial loans, and go through counter-guarantee procedures for housing mortgages.

The method of repaying the loan first has fewer acceptance links and wider application scope. The loan repayment method is basically not restricted by the lending bank, but the borrower needs to pay off the original commercial loan with self-raised funds first. Lending applicants can be borrowers of commercial loans or co-owners of property rights (the share of joint loans should be above 50%).

There is no need to raise funds by lending, but there are many acceptance links and the scope of application is small. The loan applicant must be the borrower of a commercial loan. The borrower does not need to pay off the original commercial loan in full by means of mortgage, but only needs to pay off the difference between the principal and interest balance of the commercial loan and the commercial loan in advance, and there is basically no need for self-financing transition in the process of lending. Because from the issuance of provident fund loan funds to the repayment and re-mortgage of commercial loans, it is necessary to operate continuously and simultaneously, which requires the close cooperation between commercial banks and centers, and also involves the internal compliance requirements of commercial banks. Therefore, the center adopts the practice of signing cooperation agreements with commercial banks to offset loans with loans and gradually promoting them. At present, the commercial loans handled by CCB in urban areas can already be transferred.

Employees who have difficulties in handling commercial loan financing in urban CCB can choose to use loans to offset loans, and employees who have the financing ability can also take the way of repaying loans first. At present, commercial loans handled by other banks can only be repaid first and then loaned.

The applicant shall provide the following materials when transferring the loan to the public:

(1) Legal and valid identity certificates and marriage certificates of the borrower and the property owner.

(2) Housing provident fund savings card.

(3) Commercial loan contract.

(4) If the loan is used for mortgage, the original ownership certificate and state-owned land use right certificate of the purchased house shall be provided. If the loan is repaid first, a copy confirmed by the bank may be provided.

(5) Bank card or current passbook used to repay commercial loans.

(six) other materials required by the relevant provisions of the housing provident fund personal loan.