In order to alleviate the shortage of funds in the Provident Fund Center and the slow lending speed, some banks have successively launched public transfer agents loan policies, and public transfer agents have gradually become people's choice when buying houses. However, do you really understand public transfer agents? ? How is it different from ordinary provident fund loans? Now the editor will take you to know about public transfer agents and provident fund loans.

What is a public transfer agency?

The so-called "public transfer agency", its full name is the transfer of housing provident fund personal housing loans to commercial personal housing discount loans, which refers to the Municipal Housing Provident Fund Management Center and its branches. When the center's capital liquidity is relatively insufficient, commercial banks will issue commercial personal housing mortgage loans to borrowers in accordance with the loan amount and housing provident fund loan interest rate approved by the housing provident fund center, and the housing provident fund center will provide commercial banks with interest difference subsidies on a monthly basis. . When the housing provident fund center's liquidity is relatively sufficient, commercial loans will be transferred back to housing provident fund loans.

Applicants who meet the housing provident fund loan conditions can voluntarily choose to apply for a public transfer commercial subsidy loan or apply for a housing provident fund loan waiting list. For home buyers who choose a public loan, it not only shortens the waiting time for loan disbursement, but also allows them to obtain loan funding faster. At the same time, they enjoy the same low-interest preferential policies as provident fund loans, without increasing personal loan repayment pressure.

The similarities between public transfer companies and provident fund loans:

1. Provident fund must be paid continuously for more than 6 months;

2. Implement national housing regulations Interest rate standards for provident fund personal housing loans;

3. When the applied loan amount cannot meet the needs of employees, both can apply for a combination loan.

The difference between public transfer and provident fund loans:

Public transfer loan is to transfer the approved provident fund loan to a commercial bank to issue commercial loan. The commercial loan interest rate is higher than the provident fund loan interest rate. The interest rate difference will be subsidized by the Provident Fund Center to employees on a monthly basis. Therefore, the application conditions for a public transfer loan must not only comply with the provident fund loan regulations, but also comply with the first home loan regulations of commercial banks.

(The above answer was published on 2015-07-22, please refer to the actual relevant current house purchase policies)

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