商转公“以贷还贷”方式，戳这里！
<p><section style="margin: 15px 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 14px; letter-spacing: 1px; text-wrap: wrap; background-color: rgb(255, 255, 255); text-align: center; justify-content: center; display: flex; flex-flow: row; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; width: 609.297px; vertical-align: middle; align-self: center; flex: 0 0 auto; height: auto;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; text-align: left; justify-content: flex-start; display: flex; flex-flow: row;"><section style="margin: 0px; padding: 0px 15px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; vertical-align: bottom; width: auto; align-self: flex-end; flex: 0 0 auto; min-width: 5%; height: auto; background-color: rgb(6, 128, 225);"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; text-align: justify; color: rgb(255, 255, 255); line-height: 2; letter-spacing: 3px; font-size: 17px;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;">#基本概念#</strong></p></section></section><section style="margin: 0px 0px 0px -4px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; vertical-align: bottom; width: auto; align-self: flex-end; flex: 100 100 0%; border-bottom: 1px solid rgb(6, 128, 225); height: auto;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; text-align: justify;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"/></p></section></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; vertical-align: bottom; width: auto; align-self: flex-end; min-width: 5%; flex: 0 0 auto; height: auto; line-height: 0;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; text-align: center;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; width: 10px; height: 10px; vertical-align: top; overflow: hidden; background-color: rgb(6, 128, 225);"><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; vertical-align: bottom; width: auto; min-width: 5%; flex: 0 0 auto; height: auto; line-height: 0; align-self: flex-end;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; text-align: center;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; width: 10px; height: 10px; vertical-align: top; overflow: hidden; background-color: rgb(6, 128, 225);"><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; text-align: left; justify-content: flex-start; display: flex; flex-flow: row;"><section style="margin: 0px; padding: 10px 15px; outline: 0px; max-width: 100%; box-sizing: border-box; display: inline-block; width: 609.297px; vertical-align: top; align-self: flex-start; flex: 0 0 auto; border-bottom: 1px solid rgb(6, 128, 225); overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; text-align: justify; font-size: 17px; color: rgba(0, 0, 0, 0.62); letter-spacing: 2px;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; overflow-wrap: break-word !important;"> “以贷还贷”方式，是指用商转公贷款资金直接结清原商贷。</p></section></section></section></section></section><section style="margin: 50px 0px 20px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 14px; letter-spacing: 1px; text-wrap: wrap; background-color: rgb(255, 255, 255); text-align: center; justify-content: center; display: flex; flex-flow: row; overflow-wrap: break-word !important;"><section data-lazy-bgimg="https://bbs.zhuzhou.com/plugin.php?id=wcn_editor:wx_img&url=https://mmbiz.qpic.cn/mmbiz_png/Fic9wdaMPhypWykPONVXpoZ9IsDLdRzhZSVDMAq7WLNiaKLw2O2B5f6icmibb02QwR6kmicO9odAe4Nc9QdI25ZSXAw/640?wx_fmt=png" class="" data-fail="0" style="margin: 0px; padding: 0px 65px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; width: auto; vertical-align: top; align-self: flex-start; flex: 0 0 auto; background-position: 50% 50%; background-repeat: no-repeat; background-attachment: scroll; min-width: 5%; height: auto; background-image: url(https://bbs.zhuzhou.com/plugin.php?id=wcn_editor:wx_img&url=https://mmbiz.qpic.cn/mmbiz_png/Fic9wdaMPhypWykPONVXpoZ9IsDLdRzhZSVDMAq7WLNiaKLw2O2B5f6icmibb02QwR6kmicO9odAe4Nc9QdI25ZSXAw/640?wx_fmt=png&tp=wxpic&wxfrom=15&wx_lazy=1); background-size: cover !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; font-size: 20px; letter-spacing: 5px;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; overflow-wrap: break-word !important;"><strong style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; color: transparent; background-image: linear-gradient(90deg, rgb(245, 245, 245), rgb(255, 255, 255)); display: inline-block; background-clip: text;">办理流程</span></strong></p></section></section></section><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 14px; letter-spacing: 1px; text-wrap: wrap; background-color: rgb(255, 255, 255); text-align: center; justify-content: center; display: flex; flex-flow: row; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px 15px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; display: inline-block; width: 643.141px; vertical-align: top; align-self: flex-start; flex: 0 0 auto; background-color: rgba(126, 126, 126, 0.05); height: auto; border-style: dashed; border-width: 1px; border-color: rgb(6, 128, 225);"><section style="margin: 20px 0px 25px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; text-align: justify; font-size: 17px; color: rgba(0, 0, 0, 0.62); letter-spacing: 1.5px;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; overflow-wrap: break-word !important;">1.向原商贷银行申请提前还款，并取得银行出具的同意商转公确认函；<br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; overflow-wrap: break-word !important;">2.向公积金中心提交商转公贷款申请；</p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; overflow-wrap: break-word !important;">（若用其他住房设定抵押的，需进行贷前调查，由担保公司出具房屋价值认定书）</p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; overflow-wrap: break-word !important;">3.贷款受理及审批；</p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; overflow-wrap: break-word !important;">4.签订借款合同；</p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; overflow-wrap: break-word !important;">（若商转公贷款资金不能覆盖原商贷余额，需自筹资金办理部分还款并提供凭证）</p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; overflow-wrap: break-word !important;">5.办理抵押；</p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; overflow-wrap: break-word !important;">6.发放贷款；</p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; overflow-wrap: break-word !important;">（贷款资金发放至银行指定账户）</p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; overflow-wrap: break-word !important;">7.结清原商贷并解除原抵押。</p></section></section><section style="margin: 20px 0px 25px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"><section style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; text-align: justify; font-size: 17px; color: rgba(0, 0, 0, 0.62); letter-spacing: 1.5px;"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; overflow-wrap: break-word !important;"><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; color: rgb(165, 33, 36);">温馨提示：<span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; color: rgba(0, 0, 0, 0.62);">1.</span><span style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important; color: rgba(0, 0, 0, 0.62);">贷前咨询；2.</span></span>借款人应自贷款发放后及时到原商贷银行结清原商贷，并办妥原商贷抵押登记注销手续。</p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; clear: both; min-height: 1em; overflow-wrap: break-word !important;"><br style="margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; overflow-wrap: break-word !important;"/></p></section></section></section></section><section style="margin: 50px 0px 20px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box; color: rgba(0, 0, 0, 0.9); font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; font-size: 14px; letter-spacing: 1px; text-wrap: wrap; background-color: rgb(255, 255, 255); text-align: center; justify-content: center; display: flex; flex-flow: row; overflow-wrap: break-word !important;"><section data-lazy-bgimg="https://bbs.zhuzhou.com/plugin.php?id=wcn_editor:wx_img&url=https://mmbiz.qpic.cn/mmbiz_png/Fic9wdaMPhypWykPONVXpoZ9IsDLdRzhZSVDMAq7WLNiaKLw2O2B5f6icmibb02QwR6kmicO9odAe4Nc9QdI25ZSXAw/640?wx_fmt=png" class="" data-fail="0" style="margin: 0px; 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