Nanning provident fund portfolio loan cannot be converted into provident fund loan. According to the policy of the provident fund management center, after handling the provident fund portfolio loan, the commercial part of the bank loan can no longer be converted into a provident fund loan. According to the current policy, the business of "changing from commercial to public" can only be carried out under the condition of pure commercial loans, and portfolio loans cannot be converted into pure provident fund loans.

Second, can commercial loan houses be converted into provident fund loans?

Commercial loans can be converted into provident fund loans, but the following conditions must be met: 1. When the borrower applies for a loan at the place where he applies for a provident fund loan, the provident fund is in a normal deposit state; 2, the applicant or * * * and the applicant's unit in accordance with the provisions for the borrower to pay housing provident fund for more than a month; 3. The applicant has a stable economic income and the ability to repay the loan; 4. The applicant agrees to provide the approved loan guarantee method; 5. The applicant and * * * together with the applicant, including the spouse, have no outstanding loans or other debts except the loan transferred to the provident fund; 6. The "Property Ownership Certificate" or "Housing Advance Notice Registration Certificate" involving provident fund loans in commercial loans has been completed and mortgage registration procedures can be handled; 7. The normal repayment period of commercial loans is more than years and there is no record of overdue repayment; 8. Portfolio loans cannot be converted from commercial loans to provident fund loans; 9, commercial loans to provident fund loans can only apply for pure provident fund loans; Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund, employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. "Regulations on the Management of Housing Provident Fund" Article 12 The Housing Provident Fund Management Committee shall, in accordance with the relevant provisions of the People's Bank of China, designate a commercial bank entrusted with the financial business of housing provident fund (hereinafter referred to as the entrusted bank); The housing provident fund management center shall entrust the entrusted bank to handle financial services such as housing provident fund loans and settlement, as well as the establishment, deposit and return procedures of housing provident fund accounts.

3. What's the impact of Article 8 of the New China on the real estate industry? be badly in need of

The first part combs the regulation policies. After the introduction of the 10 regulation policy, some demand release was restrained, and the transaction area of most cities decreased significantly year-on-year. However, 20% ~ 47% of first-and second-tier cities can't meet the initial regulation requirements of "containing some cities". In this context, the beginning of 20 1 1 was the most severe "country" in history. Second, the policy content combs the current regulatory policies and local rules, and finds that the "National Eight Articles" not only deepens the vertical basic regulatory thinking of "promoting supply, restraining demand, adjusting structure and emphasizing supervision", but also "accountability" the implementation results of horizontal regulatory policies. The horizontal "accountability system" is embodied in: while clarifying the responsibilities of local governments, the "National Eight Articles" quantify the implementation objectives and clarify the punishment measures, aiming at strengthening local politics. Thirty-six cities have issued detailed rules one after another. At present, more than 60 cities have announced local housing price control targets, which is in stark contrast to the silence of various places after the "National Ten Articles" policy in 1 month. "Specifically embodied in:" promoting supply ":guiding the form of land transfer to weaken the negative impact of land price on housing prices when quantifying affordable housing and commodities; Restrict loans, tax and other adjustments; Up to now, 36 cities have issued detailed rules for the implementation of purchase restrictions, while Chongqing, Hohhot and Hefei, which should have issued detailed rules for the implementation of purchase restrictions, have not yet implemented the qualifications and scope of purchase restrictions. " Structural adjustment ":increase and quantify the construction objectives of affordable housing, especially public rental housing, and further refine the local implementation measures for financing, construction, operation and management of affordable housing;" Emphasis on supervision ":all departments and localities are required to comprehensively improve the real estate supervision information system, including land information, residential information and personal information, increase information review and information disclosure, and reduce loopholes in the implementation of market links; Third, the policy objectives can be seen that the "National Eight Articles" have both breadth and depth, as well as implementation constraints. The policy itself seems to have questioned the endless supply and demand. They want to know if there is any obvious retrogression between "restricted purchase" and "forbidden purchase". Through in-depth analysis, we can find that the policy goal is not only "focusing on limiting supply: short-term policies regulate the market and house prices rise too fast". At present, it is mainly through irrational market prosperity such as "restricting loans" and "restricting purchases" to gain time for the smooth delivery of various types of supply for a long time. If the effect of housing price control is not obvious in the near future, it is not excluded that the longer-term policy control goal is to promote the formation of supply mainly through various financial supervision and market supervision means, and finally achieve the quantity and structural balance between supply and demand by increasing the dual-track system of affordable housing. This part makes an all-round interpretation from the primary market, secondary market and three aspects. In order to facilitate the analysis of the implementation details of the policy's impact on the market, the cities that have introduced the purchase restriction rules will include Beijing, Shanghai, Guangzhou and Shenzhen. Second-tier cities with strict purchase restriction policies: mainly refer to cities with the scope of purchase restriction covering the whole city, high purchase restriction threshold and no clear purchase restriction period, including Tianjin, Nanjing, Hangzhou, Suzhou, Dalian, xiamen, Ningbo, Wuxi, Xi 'an, Nanchang, Haikou, Xining and Foshan. Second-tier cities with less stringent purchase restriction policies: mainly refer to cities whose purchase restriction scope is limited within the main period, including Changsha, Qingdao, Kunming, Jinan, Guiyang, Chengdu, Changchun, Harbin, Taiyuan, Shijiazhuang, Nanning, Fuzhou, Sanya and Shenyang. First, the primary market is sluggish, and second-tier cities with loose purchase restriction policies are relatively active. Comparing the data of different quarters, it is found that the land transaction area of first-tier cities and second-tier cities with strict purchase restrictions decreased the most significantly in the first quarter, by 465%, 438+0% and 43% respectively. Second-tier cities with relaxed purchase restrictions are very stable, with a decrease of less than1%from the previous month; Specific to each month in the first quarter, compared with 65438+ 10, first-tier cities, second-tier cities with stricter policies and second-tier cities with looser policies decreased by 89. 1%, 38.8% and 25% respectively, and the decline in first-tier cities was more obvious. The reason is that the gradient of urban policies has formed different market expectations, which has affected the decision-making of developers, prompted more land demand to flow to cities with loose policies, and led to a better overall transaction situation in cities with loose policies. Under the constraint of the annual land supply target, the land supply will increase obviously in the following quarters; The land market in second-tier cities with loose policies will be more popular, while the land market in first-tier cities with huge regulatory pressure may not be outstanding or will end in a dull way. In terms of the secondary market, except for the second-tier cities with less strict purchase restrictions, the secondary markets of most cities in the first quarter were "falling in volume and price". The data shows that in the first quarter, the transaction volume of the secondary market in first-tier cities decreased by 4.9% compared with last year, the second-tier cities with strict purchase restrictions rose slightly by 6.8%, and the second-tier cities with less strict purchase restrictions soared by 45.0%. The transaction prices of first-tier cities and second-tier cities with strict purchase restrictions decreased by 3.3% and 5.0% respectively compared with the fourth quarter of last year, while the prices of second-tier cities with less strict purchase restrictions increased by 10. 1%. In the first quarter, the transaction volume of the secondary market rose and fell year-on-year, which resulted from the differentiation of the influence degree of supply and demand caused by different local implementation policies, which led to a decline in the transaction volume of first-tier cities and second-tier cities with strict purchase restriction policies, and an increase in the transaction volume of second-tier cities with loose purchase restriction policies. The quarterly transaction price is still on the rise, because it is still in the policy adaptation period, the market expectation is uncertain, and the development enterprises are very cautious about price adjustment. It is expected that the supply will be in the tentative release stage in the near future, the demand will be suppressed or wait and see, the transaction will fall back and the price will fluctuate; After that, as the supply enters the substantial volume stage, the demand stage will follow, the transaction will gradually pick up and stabilize, and the price may stabilize after a small adjustment. In terms of time sequence, cities with loose implementation may soon enter the above-mentioned "recovery and stability" stage; First-and second-tier cities with strict purchase restrictions may also experience a probation period of at least 1-2 months. Third, the third-tier market transactions in the third-tier market in the first quarter showed a trend of falling volume and price. In the first quarter, the volume of the third-tier market in each city decreased by 22%-49% from the previous quarter and by 1 1%-37% year-on-year. The average transaction price in the first quarter increased year-on-year, with the highest increase of 23%, slightly lower than that in Hangzhou and Suzhou. In the first quarter, the transaction volume of cities decreased year-on-year, mainly due to the shrinking supply and demand: the shrinking supply was mainly due to the "no purchase" measures, which made some owners think that owning real estate is precious, and holding or reselling rental is the best way to preserve value in the current inflationary environment; Another part of the owners are uncertain about market expectations and hold a wait-and-see attitude. The three types of demand have also decreased at the same time, and the investment demand for owning multiple properties has been discharged from the ranks of buying houses by the policy; Improved demand needs to be sold before buying, and carefully wait and see; Just need to be forced to buy a house and the market expectation is unknown, and the effective demand is reduced. In the first quarter, the transaction price of most cities increased year-on-year, mainly due to the accumulation of price increases in each quarter of the past year. In the first quarter, the transaction price of some cities decreased month-on-month, mostly due to the increase in the proportion of transactions in suburban low-priced areas, and there was no substantial price reduction. It is expected that in the short term, the dual emotions of reluctance to sell and wait and see and the overall shrinkage of demand will lead to a continuous decline in transactions and price fluctuations; With the gradual recovery and stabilization of trading volume in the secondary market, the supply in the tertiary market will be tentatively released, and the demand will be selectively followed up, resulting in the slow recovery of trading volume and the stabilization of prices. Fourth, the rental market in the first quarter, the rental volume of cities increased significantly year-on-year. Except for Beijing, which only slightly increased by 3%, other cities all increased by 15%-6 1%. In the first quarter, compared with 65438+ 10, the lease transactions increased significantly in March, and the number of transactions in Beijing, Shanghai, Tianjin and Nanjing doubled. In the first quarter, the rental transactions in cities increased year-on-year, mainly because the policy led to a substantial increase in supply and demand: that is, it is unlikely that the short-term housing prices will rise, and a large number of houses for sale will flow to the rental market. However, due to qualification restrictions, market expectations and other factors, some housing demand either waits and sees, or loses the qualification to buy a house, and most of them are converted into renting a house. In view of the development trend of the supply and demand sides in the leasing market, the future trading volume will remain high and will continue to show seasonality. Looking at the first, second and third rental markets in China, the effect of the "National Eight Articles" policy has begun to show, successfully controlling the market enthusiasm of cities with excessive housing price growth. To sum up, in order to manage inflation, monetary policy continues to tighten. At the end of last year, the central bank raised the benchmark deposit and loan interest rates twice in June 5438+ 10 and June 5438+February, and again in February and April this year. After the increase on April 6, the one-year deposit interest rate is 3.25%, the commercial loan interest rate is 6.8%, and the personal housing provident fund loan interest rate is 4.7%. In addition, from June 5438 to March, the central bank raised the RRR once a month, counting three times. Since the beginning of last year, the central bank has raised RRR nine times in a row, and the current level is 20%, a record high (RRR was raised again in April). In more than half a year since June 65438+ 10 last year, the Bank of China has raised interest rates four times and RRR has raised interest rates six times. The intensive and frequent operation of monetary policy tools shows that the central government is very concerned about the inflation risk that may be caused by abundant liquidity. Considering various macroeconomic factors at home and abroad, the inflation situation is still grim, interest rates and deposit reserve ratio will be raised again, monetary policy may continue to tighten, interest rates will be raised repeatedly, deposit reserve ratio will be raised, and the pace of lending will slow down, which will also have a substantial impact on the financial pressure of buyers and development enterprises, and the overall financial situation of the industry will continue to tighten.

I bought a house in Nanning with a commercial loan. Can it be converted into a provident fund loan now?

Hello!

Yes, please consult the local provident fund management center for specific requirements.

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