Notice ". With the trial and development of the loan business of "commercial to public", based on the principle of "implementation, exploration, improvement and further improvement", on September 16, the provincial center gave a centralized reply to the questions that depositors are more concerned about, including the commercial housing projects that can be "commercial to public" at present, the time limit for handling the business of "commercial to public" and which banks can't handle "commercial to public".

1. What is the acceptance scope of business-to-business loan business?

The business scope of this "business-to-public" loan is to solve the commercial personal housing loan that has to be handled because the developer refused to pay the employee provident fund loan before July 1 2065438. Commercial personal housing loans deposited after July 1 2065438 will not be accepted.

2. What are the reasons why some projects (buildings) can't handle the "business-to-business" business?

First, some purchased houses have not obtained double advance notice certificates, real estate development enterprises do not cooperate with guarantee companies to sign counter-guarantee guarantee contracts, or commercial banks fail to implement the (pre-) mortgage registration procedures of projects (buildings) in time; Second, although some purchased houses have obtained double advance notice certificates, real estate development enterprises do not cooperate with the provincial capital center to sign the Covenant.

The supplementary agreement is not stamped on the Notice of the guarantee company. The above reasons will lead to the risk that the mortgage of the "commercial-to-public" loan cannot be implemented, so this part of the "commercial-to-public" business application cannot be accepted for the time being.

3. What are the reasons for the slow progress of business-to-business in some areas?

Because the purchased houses are distributed in different regions, the nine real estate registration centers in Lanzhou are inconsistent in the current business operation platform and policy caliber standards, so the "business-to-business" loan business in some regions is temporarily unacceptable. At present, the provincial capital center and the municipal real estate management department are actively negotiating to solve it.

4. Which banks can't handle "business-to-business" portfolio loans?

Gansu Rural Credit Cooperative, China Merchants Bank, China Everbright Bank, Gansu Bank and many other commercial banks have stopped accepting "business-to-business" portfolio loans due to the cancellation of business cooperation with the provincial capital center and the temporary suspension of the system platform.

5. How to arrange the time limit for the business of "business to public"?

After the introduction of the "business-to-public" loan policy, the business volume surged. In order to ensure greater fairness and justice, it must be accepted in line according to the appointment time. The "business-to-business" loan business starts from being entered into the business system, and the loan approval is completed within 10 working days (the bank completes the acceptance, entry and preliminary examination within 4 working days, the provincial capital center completes the approval within 3 working days, and the approval and lending are completed within 3 working days after obtaining the letter of guarantee). It should be emphasized that the acceptance time of the real estate management department and the guarantee company is not within the promised processing time limit of the provincial capital center (the real estate management department can generally complete the mortgage registration within 10 working days, and the guarantee company can generally issue a letter of guarantee within 5 working days).

Six, which projects (buildings) can apply for "business to public" loans?

The existing 23 cooperative developer projects (buildings) can handle the business of "business-to-business" loans normally. If there are any new ones, they will be updated and publicized one after another.