Business-to-portfolio loan processing flow

1. How to transfer commercial loans to portfolio loans?

1. The process of transferring commercial loans to portfolio loans is as follows:

(1) The applicant shall make an appointment online first and declare the loan;

(2) After the bank accepts the application, it submits the loan portfolio application to the provident fund management center;

(3) After approval by the center, submit it to the bank for approval;

(4) After the applicant signs a contract with the bank, the original commercial loan will be settled, and the entrusted bank will issue loans to the society;

(5) The applicant receives the information and the business is completed.

2. Legal basis: Article 7 of People's Republic of China (PRC) Commercial Bank Law.

When a commercial bank conducts credit business, it shall strictly examine the borrower's credit standing and guarantee to ensure that the loan can be recovered on schedule.

Commercial banks recover the due principal and interest of loans from borrowers according to law, which is protected by law.

Second, what conditions do commercial loan portfolio loans need to meet?

The conditions to be met when a commercial loan is converted into a portfolio loan are as follows:

1. When applying for commercial loans to portfolio loans, you need to fill in and submit relevant loan application forms;

2. The applicant's personal credit information is in good condition and there is no record of bad credit information;

3. The borrower has a stable income and the ability to repay the loan principal and interest on time;

4. The borrower must meet the local provident fund loan conditions;

5. It is necessary to prepare detailed loan information, including the original commercial loan contract and the repayment details of the original commercial loan.