1. The housing accumulation fund shall be paid normally in the local area and paid in full and on time for six months or more.
2. The repayment of the original commercial housing loan is over 1 year (inclusive), the credit record is good, and there is no overdue behavior.
3. The lending business only accepts the application of the borrower of the original housing loan or the spouse of the same borrower.
4. The purchased property has obtained the house ownership certificate issued by the local real estate registration department.
5. The borrower has not applied for provident fund loans before.
6. The amount of business-to-public loan applied for is within the maximum amount of provident fund loan stipulated by the local housing provident fund management center and the balance of the original commercial housing purchase loan.
Customers who meet the above conditions can apply for business transfer at the local housing provident fund management center. The materials to be prepared mainly include:
ID card, household registration book, house ownership certificate, house ownership certificate, state-owned land use certificate, original commercial loan contract, original commercial loan repayment record, proof of original commercial loan balance and remaining period as of the application date of transfer to provident fund loan, house appraisal report issued by appraisal agency, notarized written consent of house property mortgage, etc.
Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees. With the characteristics of security, mutual assistance and long-term, it is mainly used for employees to buy, build, rebuild, overhaul and decorate their own houses or pay rent.
From July 1 2065438, all housing provident fund management centers in China will handle the transfer and connection of housing provident fund in different places through the platform in accordance with the requirements of the National Operating Rules for the Transfer and Connection of Housing Provident Fund in Different Places issued by the Ministry of Housing and Urban-Rural Development.
On 202 1 July1day, the Ministry of Housing and Urban-Rural Development of the People's Republic of China confirmed the national housing provident fund service logo and decided to start it from now on.
Deposit nature
(1) security, the establishment of employee housing provident fund system, which provides a guarantee for employees to solve housing problems faster and better;
(2) Mutual assistance, the establishment of housing provident fund system can effectively establish and form mechanisms and channels for employees with housing to help employees without housing, and housing provident fund can help employees without housing in terms of funds, which reflects the mutual assistance of employee housing provident fund;
(3) In the long run, every urban employee must pay personal housing provident fund from the date of joining the work to the time of retirement or termination of labor relations; The employee's unit should also pay the housing provident fund for employee subsidies as required.
Characteristics of savings
universality
Urban workers, regardless of the nature of the work unit, family income and existing housing, must pay the housing provident fund in accordance with the provisions of the Regulations;
coerciveness
If the unit fails to register the deposit of housing provident fund or set up a housing provident fund account for employees, the housing provident fund management center has the right to order it to handle it within a time limit. If no correction is made within the time limit, it may be punished according to the relevant provisions of the Regulations, and may apply to the people's court for compulsory execution;
welfare
In addition to the housing provident fund paid by employees, the unit has to pay a certain amount for employees, and the interest rate of housing provident fund loans is lower than that of commercial loans;
Retractability
Workers retire, resign, or completely lose their ability to work, terminate their labor relations with their units, move out of their registered permanent residence or settle abroad, etc. And return the paid housing provident fund to individual employees.