Conditions for handling business-to-public loans

Deposited employees (excluding flexible employees) applying for public loans shall meet the following conditions in addition to the housing provident fund loan conditions:

(a) the owner-occupied housing has obtained the property right certificate or the house ownership certificate, and the housing provident fund has been paid continuously for not less than 3 years (inclusive), and the time for normal work transfer can be calculated continuously; Open monthly hedging loan repayment business when handling.

(2) The balance in the borrower's housing provident fund account shall be used to repay the loan before settlement; When handling the withdrawal of housing provident fund, the balance of the housing provident fund account shall be maintained at not less than 12 months.

(three) temporarily do not accept flexible employees to handle business.

Determination of monthly repayment amount of commercial loans of public enterprises

When approving the loan amount of business-to-business loans, the monthly repayment amount of business-to-business loans refers to the sum of various liabilities (including but not limited to the monthly repayment amount of loan liabilities such as commercial loans and credit loans, overdraft balance and guarantee balance of credit cards and quasi-credit cards, etc.). ) The monthly repayment amount of the housing provident fund loan shown by the borrower and spouse in the central bank's credit information system and this time.

The above matters shall be implemented as of April 27, 2022. In order to ensure the safe and smooth operation of the business, our center can adjust the handling conditions of housing provident fund business in stages according to the business operation and capital utilization rate.