The Housing Provident Fund Management Center of Huai 'an City, Jiangsu Province issued the Regulations on the Management of Commercial Personal Housing Loans to Housing Provident Fund Loans in Huai 'an City, and announced the start of commercial personal housing loans to housing provident fund loans.
The starting range is that the depositor of housing provident fund purchases self-occupied housing within the administrative area of Huai 'an City and has handled commercial personal housing loans (and has not yet settled down, and has no more than two houses in the administrative area where the purchased housing is located, which meets the conditions of Huai 'an City housing provident fund loans, and can apply for business-to-public loans.
The regulations show that the start and end of the business-to-public loan will be linked to the proportion of Huai 'an housing provident fund personal loans, and the dynamic adjustment will be implemented simultaneously with the maximum amount of Huai 'an housing provident fund loans.
There are two ways to deal with corporate loans to the public: mortgage loans to the public and loans to the public. Mortgage loan means that the borrower's original commercial loan bank can apply for corporate loans by way of "mortgage loan", namely: China Construction Bank, China Industrial and Commercial Bank, Agricultural Bank, China Bank, Industrial Bank, Postal Savings Bank, Jiangsu Bank, Suzhou Bank, China CITIC Bank, Nanjing Bank, Shanghai Pudong Development Bank, Jiangsu Huai 'an Rural Commercial Bank, Jiangsu Lianshui Rural Commercial Bank and Jiangsu Hongze Rural Commercial Bank.
The borrower's original commercial loan bank is outside the scope of the above-mentioned banks, and the applicant turns to public loans in the form of "clearing before lending".
The amount of commercial-to-public loan should be determined in combination with the borrower's housing provident fund deposit, purchase price, repayment ability, remaining principal of the original commercial loan, personal credit and other factors, and shall not exceed the following limits: it shall not exceed the maximum amount of housing provident fund loan executed by Huai' an at the time of loan acceptance; Not exceeding the loan amount calculated according to the balance stored in the housing provident fund account or a certain multiple of the repayment ability coefficient at the time of loan acceptance; Do not exceed the remaining principal of the original commercial loan and keep it at 1000 yuan; If the loan is transferred from a commercial bank to a corporate bank in the form of "mortgage loan", the loan amount shall not exceed the amount of the remaining principal of the original commercial loan after deducting the principal payable for two months, and shall be reserved to 1000 yuan.