How many years to pay social security for commercial loans

Commercial loans can be lent for up to 30 years, and commercial loans can be converted to provident fund loans to reduce interest payments if the conditions are met. Commercial loans to provident fund loans for the process: the first step of consultation to accept the loan transfer applicant to the original commercial loan bank consultation, if the transfer conditions are met, the bank staff should guide the borrower to correctly and completely fill out the "personal housing provident fund transfer folder". The second step to submit information 1, the borrower and his spouse's identity card, household register and marriage certificate original and copy (the borrower is single by the civil affairs department to issue a single certificate); 2, the original commercial loan of the house purchased by the "Certificate of Housing Ownership", "Certificate of State-owned Land Use" original and copy; 3, to handle the original commercial loan of the house purchased by the original "Loan Mortgage Contract" and the "Commodity (economic) Housing Purchase and Sale Contract" or "stock of housing A copy of the Contract of Purchase and Sale of Commodity (Economic Housing) or the Contract of Purchase and Sale of Inventory Housing; 4. A copy of the House Valuation Report issued by a housing appraisal institution recognized by the Management Center (Commercial Loan for Second-hand Housing to Provident Fund Loan); 5. A notarized letter of consent to mortgage issued by the owner of the property rights of the housing ****; 6. Any other supporting documents required by the Management Center and the trustee bank. The third step of the loan acceptance 1, the trustee bank and the borrower applicant interview, review the application information submitted; 2, query and print the borrower and the spouse's "personal credit report", review of both spouses' personal credit, mortgage situation; 3, the trustee bank through the real estate sector of the borrower applicant for the "family housing information inquiry; 4, for eligible borrowers, the trustee bank in the provident fund system for pre-loan trial calculation, according to the results of the trial calculation and the ability to repay the loan, and the borrower to determine the amount of the loan, the period, the interest rate and repayment; 5, the trustee bank in the provident fund system for the first trial, the first trial did not pass the borrower, and inform the reasons in a timely manner colleague borrowers. Step 4 Signing of contract The borrower applicant signs a loan (mortgage) contract with the original commercial lending bank, and at the same time signs a guarantee contract with the guarantee company designated by the management center under the guidance of the bank. Step 5 Pre-deposit Funds The borrower applicant will deposit the difference between the balance of the original commercial loan and the transferred loan with his/her own funds into the deposit account opened by the transferring bank for early settlement of the original commercial loan. The sixth step of the loan disbursement management center to release the loan funds, there is a transfer bank to notify the transfer of borrowers will be provident fund loan funds and the borrower pre-deposited funds at the same time to settle the original commercial loan. The seventh step for the mortgage by the guarantee company on behalf of the original commercial loan property mortgage cancellation procedures, and complete the transfer of provident fund loan mortgage and other registration procedures (this procedure is handled by the guarantee company).