1, the local housing provident fund is paid normally;

2. The lending business only accepts the application of the borrower or spouse of the original housing loan;

3. The applicant needs to confirm with the bank that his house purchase loan has not been settled, and at the same time apply to the bank for early settlement of the loan. Once the bank agrees, it can handle the next business;

4. The applicant must ensure that the original commercial housing loan has been repaid in full 1 year (inclusive), with good credit and no overdue behavior;

5. When the applicant transfers, ensure that the purchased property has obtained the house ownership certificate issued by the local real estate registration department, and the applicant has not applied for a housing provident fund loan before;

6. The amount of business-to-public loans applied for should be accepted within the maximum loan amount of housing provident fund loans announced by the local housing provident fund management committee and the balance of the original commercial housing loans. The loan interest rate of business transfer to public is implemented according to the current loan interest rate of housing provident fund in our city.

First, the characteristics of housing provident fund

(1) In terms of universality, urban workers must pay the housing provident fund in accordance with the regulations, regardless of the nature of their work units, family income levels and whether they own housing;

(2) Mandatory (policy). If the unit fails to register the deposit of housing provident fund or fails to set up a housing provident fund account for employees, the housing provident fund management center has the right to order it to handle it within a time limit. Those who fail to perform within the time limit may be punished according to the relevant provisions of the Regulations, and may apply to the people's court for compulsory execution;

(3) Welfare, in addition to the housing provident fund paid by employees, the unit should also pay a certain amount for employees, and the interest rate of housing provident fund loans is lower than that of commercial loans;

(4) Refundability: If the employee retires, resigns or completely loses the ability to work and terminates the labor relationship with the unit, or the household registration moves out or settles abroad, the paid housing provident fund will be returned to the individual employee.

Second, the nature of housing provident fund

(1) security, the establishment of employee housing provident fund system, which provides a guarantee for employees to solve housing problems faster and better;

(2) Mutual assistance, the establishment of housing provident fund system can effectively establish and form a mechanism and channel for employees with housing to help employees without housing, and housing provident fund can help employees without housing in terms of funds, which reflects the mutual assistance of employee housing provident fund;

(3) In the long run, every urban employee must pay personal housing provident fund from the date of joining the work to the time of retirement or termination of labor relations; The employee's unit should also pay the housing provident fund for employee subsidies as required.