Take the loan of China Merchants Bank as an example. Due to the different regulations in different cities, such as the housing provident fund loan in Shenzhen, the term of the provident fund loan is in years, and the longest loan term does not exceed 360 (30 years). The sum of the loan term and the actual age of the employee (applicant) when applying for the loan does not exceed 70 years. If you apply for a provident fund portfolio loan, please confirm the loanable period with the commercial bank in advance. The term of the provident fund loan and the commercial loan in the portfolio loan must be the same. If it is a business-to-business loan, that is, the sum of the repaid loan period of the original commercial housing mortgage loan and the business-to-business loan period does not exceed 30 years.

If it is handled in other cities, you can open the home page of China Merchants Bank and click online customer service to provide your city for further verification. Thank you.

Second, Wuhan plans to introduce the rules for transferring the provident fund from business to public, and extend the upper limit of housing loans to 30 years.

On June 2 1, Wuhan Provident Fund Management Center issued the Detailed Rules for the Implementation of Transferring Personal Housing Commercial Loans to Provident Fund Loans in Wuhan, which is being publicly solicited for comments. The detailed rules not only adjust the objects and conditions of corporate loans, but also extend the housing age of existing housing enterprises.

Provident fund "business to public loans", that is, personal housing commercial loans to housing provident fund loans, refers to the personal housing provident fund loans paid by employees in Wuhan, which are handled by themselves or their spouses and have not been settled, and are transferred to commercial banks entrusted by the provident fund center. Commercial loans should be handled in the original commercial loan bank. When handling the business of "business-to-public loan", the original commercial loan bank must be the trustee bank of Wuhan Provident Fund personal loan business.

The repayment period of commercial loans was changed from "6 months" to "12 months". One of the conditions for handling corporate loans is to change the original "commercial loans have been repaid normally for 6 months or more" to "original commercial loans have been repaid normally for 65,438+02 months or more". The Provident Fund Center said that this provision mainly considers the risk of transferring to provident fund loans from the perspective of commercial loan repayment.

The term of the "commercial to public" loan for the stock house was extended. In this detailed rules, not only will the upper limit of the housing age (based on the year of completion, the same below) of the housing that the stock developers turn to public loans be adjusted from 20 years to 30 years. In addition, the longest term of public loans for developers of stock houses has also been extended from 20 years to 30 years, which is consistent with the relevant provisions of the Detailed Rules for the Implementation of Individual Housing Loans for Stock Housing Provident Funds in Wuhan.

The provident fund center said that this provision is mainly to respond to the loan demands of employees who buy second-hand houses, which is consistent with the existing second-hand housing provident fund loan period.

In addition, the detailed rules also clearly stipulate the number of houses whose marital status has changed. If the sub-lender and his spouse have used the provident fund loan once before marriage and settled it, and now apply for a business loan in the name of husband and wife, it is recognized as the second house; If during the marriage, a house was purchased with a provident fund loan, and after the divorce, one of the applicants turned to a public loan, it was deemed as a second house.

At the same time, the demand for notarization has increased. Notarization has been added to the detailed rules, that is, "the property right of the house purchased by the borrower of the original commercial loan is owned by himself during the marriage, and when the applicant transfers the loan to the public, it is necessary to provide a notarial certificate that both husband and wife of the sub-lender agree that the property right of the house purchased by the original commercial loan is owned by themselves and repaid together with * * *". According to the relevant person in charge of the provident fund center, this provision is mainly to limit the repayment obligations of both husband and wife after commercial loans are converted into provident fund loans.

3. Does Wuhan support commercial loans to provident fund?

Support.

The specific requirements are as follows:

1. The opening time of individual provident fund deposit account is 180 days from the loan application time; The deposit account status is normal; Before applying for a loan, the provident fund account has been remitted for six consecutive months, and payment cannot be stopped; The balance of the provident fund account is greater than or equal to 6 times of the monthly remittance, excluding the overdue payment for nearly 6 months;

2. The original commercial loan bank agreed to settle the balance of commercial loans in advance;

3. The original commercial loan has been repaid normally for 65,438+02 months or more (there is no repayment record of commercial loans overdue in the last 65,438+02 months);

4. The main borrower of the provident fund loan must be the main borrower of the original commercial loan;

5. Only meet the requirements of the first set of housing managers, and the employees and spouses have not used the housing to withdraw the provident fund in the past 6 months;

6. The house purchased by the original commercial loan has been provided with the property right certificate or the house ownership certificate and the state-owned land use certificate;

7. The sub-lender and its spouse have good credit, and agree to authorize the entrusted bank and the provident fund center to inquire about their personal credit reports, which is in line with the credit review standards of individual housing provident fund loans of the provident fund center;

8. There are no outstanding housing provident fund personal loans, and there are no other debts that affect the repayment ability of housing provident fund personal loans;

9. Agree that the guarantee institution recognized by the management center will provide loan guarantee for the transfer of provident fund;

10. The sub-lender and its spouse have stable economic income and the ability to repay the loan principal and interest on time;

1 1. Only pure commercial loans can be converted into pure provident fund loans and cannot be converted into portfolio loans. If there is any difference, it needs to be filled in cash;

12. The housing age (subject to the year of completion) of the stock house dealers who transfer to public loans shall not exceed 30 years (including 30 years).