The so-called commercial personal housing loan to provident fund loan business is the abbreviation of commercial personal housing loan to provident fund loan business, which is a provident fund convenience business to reduce the pressure on home buyers to repay loans, reduce loan interest expenses and ensure the legitimate rights and interests of employees.
According to the notice, the business of transferring housing loans from commercial banks to provident fund housing loans refers to the business of applying for personal commercial housing loans (hereinafter referred to as commercial housing loans) when employees' families who have paid housing provident fund in Pu 'er City purchase or build their own houses in the administrative area of Pu 'er City, and applying to the provident fund center for transferring all or part of the balance of commercial housing loans to housing provident fund personal housing loans during the normal repayment period. The business of converting all the balance of commercial housing loans into housing provident fund loans is called the business of converting commercial housing loans into corporate loans. Part of the balance of commercial housing loans is converted into housing provident fund loans, which is called business-to-portfolio loans (hereinafter referred to as business-to-portfolio loans).
In terms of application object and scope, the notice stated that business-to-business and business-to-group applicants paid housing provident fund in Pu 'er City, bought houses in the administrative area of Pu 'er City, applied for commercial housing loans from commercial banks, and the provident fund that met the relevant conditions for personal housing provident fund loans in Pu 'er City was distributed to employees' families. At the same time, during the repayment of the commercial housing loan, there was no default of commercial housing loans overdue.
In addition, the original lending bank for business-to-business or business-to-group loans can be a legal bank approved by the People's Bank of China or its branch in Pu 'er. Banks that undertake the business of transferring public loans and group loans must be the entrusted banks for the entrusted loan business of housing provident fund.
The "Notice" mentioned that business-to-public and business-to-group loans only support the housing loan part of the original commercial bank housing loan; Commercial bank housing loans in the original housing provident fund portfolio loans cannot be used for business-to-business and business-to-group loans.
At the same time, the collateral needs to be implemented and the property rights are clear.
Specifically, the collateral of the applicant's public loan is the housing purchased by the original commercial housing loan and registered for real estate mortgage; The original commercial housing loan collateral has no other mortgagee except the bank that originally handled the commercial housing loan; The housing purchased by the loan applicant does not have the right of residence; There are no other circumstances that affect the realization of mortgage.
As for the loan term of enterprise-to-public and enterprise-to-group loans, the Notice proposes that the loan term shall be implemented according to the current Pu 'er housing provident fund loan management policy, and the sum of the loan term and the repayment period of the original commercial housing loan shall not exceed 30 years; The loan period of the enterprise's group loan is consistent with the remaining repayment period of the original commercial loan.
In terms of the identification of loan suites for business-to-public and business-to-group loans, the identification of loan suites for business-to-public and business-to-group loans shall be implemented according to the current policies and regulations of housing provident fund, and the part of provident fund loans shall be subject to the identification of provident fund center; The loan amount and down payment ratio shall be implemented according to the current housing provident fund loan management policy.