In principle, Changchun housing loans can be converted into public loans through negotiation, but the following conditions need to be met:
1. The amount converted into a provident fund loan cannot be higher than the balance of the original commercial bank loan. , and does not exceed the upper limit of the housing provident fund loan;
2. The borrower does have a commercial house purchase loan in the bank and has a good repayment record;
3. The application deadline is The number of properties per household shall not exceed 2 sets (including 2 sets);
4. Other conditions stipulated in applying for a housing provident fund loan.
The housing provident fund refers to state agencies and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social groups and their employees Employees, long-term housing savings with equal contributions.
Starting from July 1, 2017, all housing provident fund management centers across the country will handle the off-site transfer and continuation of housing provident funds through the platform in accordance with the requirements of the "National Operating Procedures for the Transfer and Continuation of Housing Provident Funds in Other Places" issued by the Ministry of Housing and Urban-Rural Development.
On July 1, 2021, the People's Republic of China and the Ministry of Housing and Urban-Rural Development determined the national housing provident fund service logo and decided to activate it from now on.
Development
In 2011, the Ministry of Housing and Urban-Rural Development was working with various departments to study and revise the "Regulations on the Management of Housing Provident Funds" and liberalized the ability of individuals to withdraw provident funds to pay housing rent. Regulation. In 2013, some cities introduced measures to allow employees with serious illnesses or their immediate family members to withdraw provident funds for emergency relief.
In 2014, the three departments issued a document to cancel charging items such as housing provident fund personal housing loan insurance, notarization, new home evaluation and mandatory institutional guarantees to reduce the burden on loan employees.
In 2015, the "Regulations on the Management of Housing Provident Funds (Revised Draft for Review)" is planned to stipulate that the contribution ratio of employees and units to housing provident funds shall not be less than 5% and shall not be higher than 12%. Starting from February 21, 2016, the deposit interest rate of employees’ housing provident fund accounts will be adjusted to the one-year time deposit benchmark interest rate, and the increased interest rate will be 1.50%.
Starting from July 1, 2017, all housing provident fund management centers across the country will be "networked" and handle the transfer and continuation of housing provident funds to other places through a unified platform.
On May 15, 2018, the Beijing Housing Provident Fund Management Center issued the "Notice on Cancellation of Copies of Identity Documents as Requirements for Housing Provident Fund Collection and Loan Business Processing."
On July 1, 2021, the People's Republic of China and the Ministry of Housing and Urban-Rural Development determined the national housing provident fund service logo and decided to activate it from now on.