There are other loans that do not affect the amount of business transfer. Check whether it can be converted into public funds, such as whether the continuous payment has reached 12 months, whether the payment has stopped, etc. Secondly, it depends on the comprehensive qualification and credit status of users and whether the bank agrees to support business transfer.
The amount of business-to-public loan applied for should be within the maximum loan amount of housing instruments and the original commercial housing loan balance announced by the local housing provident fund management Committee before it can be accepted. The loan interest rate of enterprises to the public is implemented according to the current housing provident fund loan interest rate.
Matters needing attention in transferring business to public sector
1. The loan period is shortened.
The longest term of provident fund loans is such a long time. The longest period shall not exceed the remaining term of the original commercial loan, which is calculated by halving the remaining service life, and shall not exceed 5 years after the legal retirement time of the sub-lender.
2. The loan amount is reduced.
The maximum amount of provident fund loans is generally 500,000 to 600,000, which is subject to the maximum amount stipulated by the local housing provident fund center. The maximum amount of business transfer shall not exceed the amount of new commercial housing and stock housing in the remaining provident fund center.
Legal basis:
Regulations on the administration of housing provident fund
essay
The housing accumulation fund paid by individual employees is the housing accumulation fund paid by individual employees and belongs to individual employees.
Article 4
The management of housing provident fund shall follow the principles of decision-making of housing provident fund management committee, operation of housing provident fund management center, storage of special bank accounts and financial supervision.
Twentieth can withdraw the employee housing provident fund account balance:
(a) purchase, construction, renovation, overhaul
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
(six) the rent exceeds the prescribed proportion of family wage income.
(3) and (4) stipulate that the employee housing provident fund shall be withdrawn and deposited into the housing provident fund account.
Second, what are the consequences of loans affecting credit reporting?
Legal analysis: no influence, it will not be affected in political censorship. Political review: it mainly examines whether the other party is progressive in thought, good in moral character, decent in style, strong in organizational discipline and legal concept. Generally, under any of the following circumstances, the political examination is unqualified: 1, and words and deeds violate the Four Cardinal Principles. 2, rogue, theft and other bad behavior, bad moral quality. 3. One suspect has not been identified. 4. I can't draw a clear line with my lineal blood relatives or collateral blood relatives who have a great influence on me who engage in activities that endanger China's national security abroad. 5. lineal blood relatives or collateral blood relatives who have a great influence on themselves are sentenced or serving sentences. Consequence of being blacklisted: 1, unable to get a loan, unable to apply for a credit card. The degree of credit is related to all aspects of our lives. Once overdue. Overdue records will be uploaded to the central bank for credit information, which will prevent borrowers from applying for loans and credit cards in the future. Not only can you not apply for loans in banks, companies and other financial institutions, but the loan business has also become futile, and even applications for mortgages and car loans will be rejected. 2, life is limited everywhere, it is impossible to fly high-speed rail. Legal basis: Guiding Opinions on Establishing and Perfecting the System of Joint Incentives for Trustworthiness and Joint Punishment for Breach of Trust to Accelerate the Construction of Social Integrity. Improve the mechanism of restraint and punishment for dishonesty (9) Joint punishment for key areas and serious dishonesty. On the basis of relevant departments and social organizations' handling and evaluation of dishonesty in this field according to laws and regulations, through information sharing, other departments and social organizations are urged to take joint disciplinary measures against serious dishonesty according to laws and regulations. The key points include: first, acts that seriously endanger people's health and life safety, including serious dishonesty in the fields of food and medicine, ecological environment, engineering quality, safety in production, fire safety, and compulsory product certification. Second, acts that seriously undermine the fair competition order and normal social order in the market, including bribery, tax evasion and fraud, malicious evasion of debts, malicious arrears of payment for goods or services, malicious arrears of wages, illegal fund-raising, contract fraud, pyramid schemes, unlicensed operation, manufacturing and selling fake and shoddy products, intentional infringement of intellectual property rights, bidding for loan qualifications, collusive bidding, false advertising, infringement of the legitimate rights and interests of consumers or securities and futures investors, serious disruption of cyberspace communication order, and gathering people to disturb social order. Third, refusal to perform legal obligations seriously affects the credibility of judicial organs and administrative organs, including serious acts of dishonesty such as judicial organs and administrative organs making judgments, refusing to perform after decisions, and evading execution. Fourth, refusing to perform national defense obligations, refusing or evading military service, refusing or delaying the requisition of civilian resources or hindering the transformation of requisitioned civilian resources, endangering national defense interests and destroying national defense facilities. (ten) strengthen the administrative restraint and punishment of dishonesty in accordance with the law. For the subject of serious dishonesty, all regions and relevant departments should list it as the key supervision object, and take administrative restraint and disciplinary measures according to laws and regulations. Strictly examine and approve administrative licensing projects, strictly control the issuance of production licenses, restrict the approval of new projects, restrict the issuance of stocks for listing and financing or the issuance of bonds, restrict the listing and financing in the national share transfer system, restrict the establishment or participation in financial institutions, companies, financing guarantee companies, venture capital companies, internet financing platforms and other institutions, and restrict the provision of internet information services. Strictly restrict the application for financial capital projects, restrict participation in public resources trading activities, and restrict participation in infrastructure and public utilities franchising. Implement market and industry ban measures for enterprises with serious dishonesty and their legal representatives, principal responsible persons and registered practitioners who are directly responsible for dishonesty. Timely revoke the honorary titles of enterprises with serious dishonesty and their legal representatives, responsible persons, senior managers and directors, shareholders and other personnel who are directly responsible for dishonesty, and cancel the qualification to participate in the evaluation. (eleven) to strengthen market discipline and dishonesty punishment. For serious untrustworthy subjects, relevant departments and institutions should use the unified social credit code as the index to disclose relevant information in time, so as to facilitate the market to identify untrustworthy behaviors and prevent credit risks. Supervise relevant enterprises and individuals to fulfill their legal obligations, and implement measures such as restricting the exit of serious untrustworthy subjects who have the ability to perform but refuse to perform, restricting the purchase of real estate, taking airplanes, taking high-level trains and seats, traveling and vacationing, and staying in hotels with stars or above. Support credit reporting agencies to collect serious untrustworthy information and include it in credit records and credit reports. Guide commercial banks, securities and futures institutions, insurance companies and other financial institutions to increase loan interest rates and property insurance rates for serious untrustworthy subjects in accordance with the principle of risk pricing, or restrict the provision of loans, sponsorship, underwriting, insurance and other services to them. (twelve) to strengthen industry constraints and dishonesty punishment. Establish and improve the industry self-discipline convention and professional ethics, and promote the construction of industry credit. Guide trade associations to improve the internal credit information collection and sharing mechanism, and record serious dishonesty in members' credit files. Encourage industry associations and chambers of commerce to cooperate with qualified third-party credit service institutions to carry out credit rating evaluation of member enterprises. Support industry associations and chambers of commerce to take disciplinary measures such as warning, informed criticism in the industry, public condemnation, rejection, and persuasion against untrustworthy members according to industry standards, regulations and agreements, depending on the seriousness of the case. (thirteen) to strengthen social constraints and disciplinary action. Give full play to the role of various social organizations and guide social forces to participate in joint punishment for dishonesty. Establish and improve the reporting system of dishonesty, encourage the public to report serious dishonesty enterprises, and keep the information of informants strictly confidential. Support relevant social organizations to file public interest lawsuits against large-scale infringements such as environmental pollution and infringement on the legitimate rights and interests of consumers or public investors. Encourage fair, independent and qualified social institutions to carry out the public opinion monitoring of big data with dishonesty, and compile and publish regional and industry credit analysis reports. (fourteen) improve personal credit records, and promote the implementation of joint disciplinary measures to people. Serious dishonesty of enterprises and institutions shall be recorded in the credit records of enterprises and institutions and the personal credit records of their legal representatives, principal responsible persons and other directly responsible personnel. At the same time, we should take corresponding joint disciplinary measures against relevant responsible personnel according to laws, regulations and policies. Through the establishment of a complete personal credit record database and joint punishment mechanism, the disciplinary measures for dishonesty will be implemented.
3. What are the five major consequences of frequently applying for online loans?
1, high handling fee; 2. Identity disclosure; 3. It is easy to cause overdue; 4, easy to become "net black"; 5. Bad credit report. Everyone needs to be rational when applying for online loans. It is best not to apply, let alone apply for a lot of online loans, otherwise there will be a credit crisis.
Now the Internet is developing rapidly and there are more and more online loan products, so there are many people who borrow money. Moreover, some people apply for online loans as soon as they have no money, and some even apply for online loans very frequently. Due to the low threshold of online lending and the extremely high application rate, it has been favored by many people. Don't think that applying for online loans frequently has no effect, and there are five major consequences:
1, the handling fee is high.
A large part of the people who apply for more online loans belong to "supporting loans with loans"; The consequences of "supporting loans with loans" are obviously increasing interest and snowballing, which eventually makes the borrower's hole bigger and bigger and falls into debt crisis.
2. Identity disclosure
The threshold for online loan application is low, so it is necessary to authorize the mobile phone to read the mobile phone address book, location, camera and so on. So think about security risks. When you encounter an irregular small loan, you may know all your information, including your personal ID card, bank card, scanned copy, phone numbers of all contacts, etc. And the consequences are quite serious. There will be multiple hidden dangers after information leakage, such as telephone calls, and there will often be various "harassing" calls such as intermediary and sales promotion that affect personal life. If you want to avoid information leakage and reduce risks, you must choose a formal lending institution.
3, easy to cause overdue
If you often apply for online loans and apply for too many online loans at the same time, the personal repayment pressure will definitely be greater; It is very likely that there will be overdue. And if there is overdue, it will affect personal credit.
4, easy to become "network black"
Although many small loan platforms generally do not accept credit information, the online loan circle also has its own credit information system. So if you often apply for online loans; Then these records will actually be reflected in the credit system of online loans. This may lead borrowers to apply for online loans on other platforms in the future; The platform doubted the borrower's repayment ability because the borrower applied for too many online loans, thus rejecting the borrower's application.
5. Bad credit report
More and more online loans are on credit. Once the online loan is overdue, no matter the amount or the length of time, a record will accompany you for five years and no one can modify it!