The following are the supplementary provisions of the Interim Measures for the Transfer of Personal Housing Commercial Loans to Personal Housing Provident Fund Loans in Weifang:

Supplementary Notice on the Interim Measures of Weifang Municipality for Transferring Personal Housing Commercial Loans to Personal Housing Provident Fund Loans

All subjects, sub-centers and management departments of the Municipal Provident Fund Center:

The Interim Measures of Weifang Municipality for Converting Personal Housing Commercial Loans into Personal Housing Provident Fund Loans was officially implemented on 20 15, 10 and 15. In order to ensure the smooth implementation of relevant policies, the following supplementary explanations are given on relevant issues:

First, apply for individual housing commercial loans to individual housing provident fund loans (hereinafter referred to as? Business to the public? ) condition

Applicants must meet the current application for individual housing provident fund loans (hereinafter referred to as? Provident fund loan? ), while meeting the specific requirements of transferring business to the public.

II. About the original commercial loan (hereinafter referred to as? Original commercial loan? ) The policy definition of the borrower's spouse as a corporate borrower to the public

According to the relevant regulations of the housing registration agency, at present, for the pre-sold houses in our city, the pre-buyers are required to provide guarantees for their debts with the pre-sold houses, and cannot provide guarantees for the debts of third parties (except husband and wife), but this requirement is not required for existing houses, and they can also provide guarantees for the debts of third parties other than husband and wife.

(1) The house purchased by the original commercial loan is owned by the husband and wife (the buyer is the husband and wife in the auction house purchase contract, and the owner and * * * in some cases in the existing house property certificate are the husband and wife), and the borrower and spouse all meet all the conditions for the business to turn into public. When the applicant turns into public, the borrower can be the original commercial loan borrower or his spouse.

(2) The title certificate of the house purchased by the original commercial loan (the buyer in the auction house purchase contract and the owner in the existing house title certificate) only records the borrower's name, and the borrower who intends to use his spouse as the business transfer applicant does not meet the conditions of the provident fund loan, so the spouse should be changed to the property owner or the owner plus * * * before handling the business transfer, otherwise the mortgage formalities cannot be handled. Specific handling conditions and procedures shall be handled in accordance with the relevant provisions of the housing registration agency.

Third, the definition of commercial housing units

Housing units should strictly implement the relevant provisions of the state and the province and the current provident fund loan policy in our city, subject to the actual situation of the borrower when the applicant turns public:

(a) the borrower (married family) housing query results show that there are two sets of housing, one of which has not been paid off, and the applicant can enjoy the preferential policy of the first home provident fund loan when he turns to the public; Both houses have outstanding commercial loans, and if one of them is transferred to the public by the applicant, it shall be handled according to the provident fund loan policy of the second house.

(two) enterprises that own three sets (including the original commercial loan housing) and above shall not accept loans from the public.

Fourth, the loan amount of enterprises to the public.

According to the specific provisions of the current provident fund loan policy and the transfer business in our city, the amount of the transfer business is comprehensively determined. The maximum amount shall not be higher than the lower of the loanable amount of provident fund loans and the original balance of operating loans, and the specific amount shall be controlled within 1000 yuan.

Five, the loan period of business to the public.

In line with the provisions of the current provident fund loan period in our city, and shall not exceed the remaining years of the original commercial loans, the loan period shall be calculated on a full-year basis.

Value and evaluation of housing mortgage loan with intransitive verb

(a) choose to repay the loan first, the original commercial loan mortgage does not need to be evaluated.

(2) If the loan is repaid first, and the house owned by itself, * * * or owned by a third party is mortgaged, it needs to be appraised, and the mortgaged house is 100% of the appraised value. The transfer amount from commercial to public shall not exceed the corresponding proportion of the appraised value of the house: if the age of the house is within 10 year (inclusive), it shall not exceed 70% of the appraised value of the house; The house age 10 to 20 years (inclusive) shall not exceed 60% of the appraised value of the house; If the house is over 20 years old, it shall not exceed 50% of the appraised value of the house.

(three) the mortgage value of the auction house should be consistent with the mortgage value in the original commercial loan contract.

Seven. Select the branch (office) of the provident fund center for the applicant to transfer to public service.

In principle, employees who have paid the provident fund in our city can handle the business transfer business in each branch (office). However, for the convenience of borrowers, entrusted banks and development enterprises, it is recommended that borrowers handle it in the business hall of the branch (office) of the provident fund center where the mortgaged house is located.

Eight, the normal provident fund loans, the borrower should be in the commercial housing sales contract signed (existing homes, second-hand housing should be completed "all of the housing" or transfer procedures) within 6 months after the application for provident fund loans, corporate business is not restricted by this condition.

Nine, the original commercial loan bank has not signed an entrustment agreement with the provident fund center.

At present, the Municipal Provident Fund Center has signed entrustment agreements with 13 commercial banks (see Annex 1 for the specific list). The borrower's original commercial loan bank has not signed an entrustment agreement with the municipal provident fund center, but if the borrower applies for transferring the business to the public, the borrower should choose to repay the loan first and then transfer it to the public.

X. Procedures for accepting the transfer of business to public services

Borrowers who apply for transferring business to public sector should first consult the service hall of the provident fund center to confirm whether they meet the conditions of transferring business, and fully understand whether the possible expenses, loan amount and years meet their expectations before deciding whether to apply for transferring business to public sector.

If it is determined to repay the loan first, the borrower shall go through the prepayment procedures of the original commercial loan first. After paying off the original commercial loan, hold the personal loan settlement certificate printed by the bank (bank seal? Completed the seal? ) and other information to the branch (office) for business transfer; If the loan is repaid first, the borrower shall apply to the original commercial loan bank for prepayment, and go to the branch (office) for application, approval and other matters with the certificate of prepayment of the original commercial loan with the seal of the original commercial loan bank (Annex 2), the original loan contract of the original commercial loan or a copy with the seal of the bank.

Eleven, in line with the conditions of mortgage loans to buy new loans.

Mortgaging the old, buying the new and applying for provident fund loans is limited to borrowers who have not signed a cooperation agreement with the provident fund center to develop real estate.

Twelve, the original commercial loan collateral for faster mortgage cancellation.

According to the relevant provisions of the Measures for the Registration of Houses, during the pre-mortgage period and the formal mortgage period of existing houses, as long as the buyers and sellers reach an agreement through consultation, the mortgage can be lifted.

13. The mortgage value and evaluation of the housing normally applied for provident fund loans and the calculation of the loan amount refer to the second paragraph of Article 6 of this Note.

Fourteen, employees who have paid the provident fund in different places apply for business transfer.

Employees who pay the provident fund in different places to buy houses in our city and meet the conditions of provident fund loans, loans in different places and business transfer in our city can apply for business transfer, and can only take the form of repayment first and then loan. The specific procedures shall be implemented in accordance with the relevant provisions on off-site loans and business transfer.

Attachment:

1. List of 13 commercial banks that have signed entrustment cooperation agreements with the municipal provident fund center.

2. Proof of agreeing to repay the original commercial loan in advance.

Weifang housing fund management center

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