And the employees in the unit need to sign a labor contract for more than 3 years (or sign a labor contract for 1 year for 3 consecutive years), and pay the housing provident fund normally on a monthly basis for more than 1 year;
If a labor contract has not been signed for more than 3 consecutive years or the housing provident fund has not been paid regularly for more than 1 year, the formalities may be postponed.
Conditions for transferring commercial loans to provident fund loans:
1. Pay the housing provident fund in full and on time for more than one year, and open a provident fund account for more than one year (calculated forward from the loan application date);
2. I or my spouse, parents and children buy, build, renovate or overhaul ordinary housing occupied by urban residents or buy public housing or other housing without housing ownership in this city, and the purchase and construction takes place within one year except for the transfer of provident fund loans;
3, a stable income, good credit, the ability to repay the principal and interest of the loan;
4, in accordance with the purchase, construction, renovation, overhaul of ordinary housing related procedures, documents and the provisions of the proportion of self financing;
5. Provide assets that meet the requirements of the Guarantee Law of People's Republic of China (PRC) and are approved by the housing provident fund management core as collateral or pledge;
6. The transfer of provident fund loans also requires conditions: non-portfolio loans, property certificates and the consent of the original lender;
7, foreign accounts, local farmers borrowers must provide contacts;
8. Other conditions stipulated by laws, regulations, rules and relevant provisions of the core provident fund.
Extended data case:
According to the economic voice "Tianxia Company", provident fund loans are the first choice for those who just need them. In addition, some people will choose commercial loans. Between these two loan methods, you can also change commercial loans into provident fund loans through the business of "changing commercial loans into provident fund loans", thus enjoying preferential loan interest rates.
However, these days, many buyers in second-and third-tier cities found that the "business-to-business" business suddenly could not be handled. For example, starting from today, Nanchang, Jiangxi Province has suspended accepting applications for "business-to-business" loans.
Today, the Voice of Economics reporter called Nanchang Housing Provident Fund Management Center. The staff said that due to the shortage of funds, it was impossible to handle business transfer. If necessary, the waiting time will be longer.
Due to the shortage of funds, the utilization rate of provident fund loans is high, and it is impossible to handle the transfer business at present. When can I start this business again? The staff of Fuzhou Housing Provident Fund Management Center said that when the utilization rate of the provident fund drops below 90%, related businesses will be resumed.
For people who buy a house, how long will it take to run a provident fund loan? The staff of Hefei Housing Provident Fund Management Center said that from the local situation, the waiting time may be as long as half a year.
It can be seen that the suspension of business from business to public is directly related to the high utilization rate of provident fund. The data shows that the utilization rate of provident fund in some second-tier cities is very high. The utilization rate of housing provident fund loans in Fuzhou reached 105.23%, Xiamen reached 108. 18%, and Nanchang reached 1 17% at the end of June this year, a record high.
Therefore, tightening provident fund loans has become an inevitable choice. While suspending the business of transferring business to public, some places also stipulate that when the provident fund loan is below a certain standard, the business of transferring business to public will be restarted. This restart standard is set in the range of 85% to 90% in many places.
Apart from the shortage of provident fund, is there a deeper consideration for suspending the transfer of commercial enterprises to public services? Yang Hongxu, vice president of Shanghai Yiju Real Estate Research Institute, believes that the real estate market in second-tier cities has increased greatly, and the enthusiasm of provident fund management centers to provide loans is not high. Commercial loans to provident fund loans need subsidies, which is one of the reasons why the provident fund management center is unwilling to do so. In addition, it is also an important aspect for second-tier cities to adjust their real estate policies through mortgages.
The April statistics just released by the National Bureau of Statistics show that real estate development and sales data are improving. Looking up the previous data, we can find that in the past year, the real estate development has gone out of a standard V-shaped situation. Second-tier cities have also become serious and important resources for housing enterprises.
According to the survey data, the transaction volume of commercial land in second-tier cities in April this year was 24.22 million square meters, up 10.7% from the previous month and up 410.7% from the same period last year. The land transfer fee was as high as113.56 billion yuan, up 280.4% year-on-year and 38.4% quarter-on-quarter. This is enough to see the popularity of the property market in second-tier cities.
Then, will tightening provident fund loans and suspending "business-to-public" business bring a cold wave to the newly hot real estate market in second-tier cities? Yang Hongxu, vice president of Shanghai Yiju Real Estate Research Institute, thinks that this situation is unlikely to happen, and the provident fund policy is only one aspect that affects the property market policy. There are many other reasons that will affect the real estate market.
However, the immediate problem faced by the majority of families in need is what to do when buying a house. If the provident fund is getting tighter and tighter, it is obviously not conducive to everyone buying a house; To put it another way, the continuation of this situation will also affect the development of the industry. In Yang Hongxu's view, the discount on housing loans and the tax deduction on loan interest should be the key measures to be considered in the future.
Baidu encyclopedia-provident fund loan
People's Network-The proportion of provident fund loans is too high, and some places stop the business of "business to public"