It’s about provident fund policy! The two cities issued the latest notice

Chapter 1 General Provisions

Article 1: In order to give full play to the housing security role of the housing provident fund, effectively reduce the loan repayment pressure of home buyers, and standardize commercial personal housing loans Management of loans transferred to individual housing provident funds (hereinafter referred to as commercial-to-public loans), in accordance with the State Council's "Housing Provident Fund Management Regulations", "Housing Provident Fund Individual Housing Loan Business Standards" and Bengbu City's relevant regulations on individual housing provident fund loans, and based on the actual work, this document is planned to be formulated way.

Article 2 The commercial-to-public loan referred to in these Measures refers to the commercial personal housing loan (hereinafter referred to as the Bengbu City Housing Provident Fund Management Center) that has been processed when purchasing a self-occupied house in our city (hereinafter referred to as the center). Provident Fund loans issued to borrowers who currently meet the conditions for personal housing provident fund loans (hereinafter referred to as Provident Fund Loans) to repay their commercial loans.

Article 3 The commercial-to-public loan business shall be organized and implemented by the Bengbu Housing Provident Fund Management Center (hereinafter referred to as the Provident Fund Center).

Chapter 2: Start and Suspension of Commercial-to-Public Loans

Article 4: In order to prevent and control the liquidity risk of housing provident fund, in accordance with the relevant requirements for prevention and control of liquidity risk of housing provident fund , combined with the changes in the city's housing provident fund personal housing loan rate, establish a dynamic start-stop mechanism for commercial-to-public loans, and release it to the public in a timely manner.

Chapter 3 Loan Applicants and Conditions

Article 5 Applicants for business-to-public loans (hereinafter referred to as applicants) are the borrowers of commercial loans and their spouses, and must be The right holder stated in the real estate certificate.

Article 6: In addition to complying with the relevant regulations on housing provident fund loans in our city, applicants applying for commercial-to-public loans must also meet the following conditions:

(1) Original commercial loan bank The borrower agrees to repay all the repayments in advance;

(2) The houses involved in the business-to-public loan have obtained real estate certificates and the ownership is clear, and the mortgage registration procedures can be completed;

( 3) The mortgagee of the house purchased with the commercial loan is only the original commercial loan bank, and there are no other rights restrictions such as mortgage or seizure;

(4) The commercial loan portion of the original provident fund loan and commercial loan portfolio This method does not apply.

Chapter 4 Methods of Business-to-Public Loans

Article 7: Repay first and then borrow. After the applicant applies for a commercial-to-public loan from the center and is reviewed and approved, the applicant can settle the commercial loan on his own, release the original loan mortgage, and re-go through the provident fund loan procedures. The center will issue the commercial-to-public loan to the personal account provided by the borrower;

Article 8: Loan repayment. The borrower who has already applied for a commercial loan applies to the Provident Fund Center for a commercial-to-public loan. After review and approval and the second mortgage loan procedures are completed, the Provident Fund Center will issue the commercial-to-public loan to the designated repayment account of the commercial bank.

Chapter 5 Business-to-Public Loan Process

Article 9 Loan appointment preliminary review.

1. Applicants bring their ID cards to the provident fund center service window to make an appointment.

2. Fill out the "Bengbu City Personal Housing Commercial Loan Conversion Provident Fund Loan Application Form", and the center will give preliminary review opinions based on the filled-in content.

Article 10 Loan application. The borrower applies for a business-to-public loan and provides the following materials:

(1) The applicant (and *** the same applicant) ID card, household registration book, personal credit report, income certificate, and income bank statement ;

(2) Proof of marital status;

(3) Real estate certificate or house ownership certificate (land certificate) of the purchased house;

(4) Owner Borrower's Class 1 debit card;

(5) Tax payment certificate, value-added tax invoice;

(6) Commercial bank loan contract;

(7 ) Depositors of housing provident funds in other places must provide the "Certificate of Use of Housing Provident Fund for Workers in Other Places" and payment details in the past six months when applying for commercial-to-public loans in our city;

(8) The "Certificate of Agreement to Repay the Loan in Advance" issued by a commercial bank, and the repayment bank account of the commercial-to-public loan (provided in the form of loan repayment).

(9) Other necessary application materials.

Article 11 Review and Approval. The Provident Fund Center will review the application materials submitted by the applicant and reject those that do not meet the conditions; those that meet the conditions will be accepted according to procedures.

Article 12 Grant of Loans.

(1) If you choose the "repay first, then loan" method

1. The applicant should raise its own funds to handle the commercial loan settlement procedures and release the mortgage of the original property;

2. The Provident Fund Center will examine and approve the applicant’s commercial loan settlement certificate, relevant repayment vouchers, and materials related to the release of mortgage rights;

3. The entrusted bank will sign the "Housing Provident Fund Loan Contract" with the applicant. And go through the relevant procedures for provident fund loans, and at the same time go to the real estate registration department to handle mortgage registration.

4. After receiving the real estate mortgage registration certificate, the Provident Fund Center will transfer the provident fund loan funds to the borrower's bank account. (2) Choosing the "loan to repay loan" method

1. The applicant provides the Provident Fund Center with the "Certificate of Agree to Repay the Loan in Advance" issued by the original commercial bank and the designated repayment account to confirm the advance payment of the commercial loan. Repayment time and remaining principal, handle refinancing matters.

2. The applicant submits the real estate mortgage registration certification materials, and the Provident Fund Center will issue the provident fund loan to the designated repayment account of the original commercial bank.

3. After receiving the loan notice from the Provident Fund Center, the original commercial loan bank will handle the commercial loan settlement procedures on the loan date and complete the mortgage cancellation registration procedures within 10 days.

Chapter 6 Loan Amount

Article 13 The amount of a business-to-public loan shall not exceed the remaining principal of the commercial loan, in addition to complying with the relevant regulations on the maximum amount of housing provident fund loans in our city.

If the borrower adopts the "loan-to-loan" method to apply for a business-to-public loan, the loan amount shall not exceed the remaining principal of the original commercial loan after deducting one month's principal repayment (specifically, according to the commercial loan The early repayment time approved by the bank is determined)

Chapter 7 Supplementary Provisions

Article 14 Matters not covered in these Measures shall be governed by the relevant regulations on the management of housing provident funds.

Article 15 These Measures shall be implemented from the date of promulgation.