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Can Tangshan commercial loan be converted into provident fund loan?
Tangshan commercial loans cannot be transferred to provident fund loans. According to the "Implementation Opinions on Further Promoting the Stable and Healthy Development of the Real Estate Market in Hebei Province" issued by the General Office of the People's Government of Hebei Province on May 4, 20 17, the center has stopped handling the business of "housing provident fund loans replacing personal housing loans of commercial banks".

1. Tangshan Housing Provident Fund Business Handling Location

At present, the center has 18 branches to handle housing provident fund business. In the urban area, there are two management departments in the north of Lunan Road to handle the collection and withdrawal of housing provident fund; Set up a loan center to handle the urban housing provident fund loan business. Each county has 14 sub-center to handle the collection, withdrawal and loan business of housing provident fund.

2. Tangshan personal provident fund account will be frozen.

There are three ways to freeze employees' personal accounts: if employees forge false materials to defraud, take housing provident fund or apply for housing provident fund loans, the accounts will be frozen; The employee fails to repay the housing provident fund loan within the time limit, and his personal account is frozen; The people's court applied for freezing the housing provident fund account and its balance during the trial and execution.

3. What should I do if the employee fails to pay the provident fund and cannot withdraw it?

The failure of the unit to pay the housing provident fund does not affect the housing consumption withdrawal of employees. What is affected is that employees can cancel their accounts for reasons such as retirement. In principle, the unit should first make up the unpaid provident fund and then withdraw it. However, if some units are in merger, division, cancellation, bankruptcy, dissolution or restructuring, and the unpaid part cannot be paid in place temporarily, the center will inform the employees of the arrears, and the employees can choose to cancel their accounts independently.

4. Can Tangshan use the provident fund paid in different places to buy a house?

According to the Implementation Opinions of the General Office of the People's Government of Hebei Province on Further Promoting the Stable and Healthy Development of the Real Estate Market in the Province, the Notice of the General Office of the People's Government of Tangshan City on Continuing to Do a Good Job in the Regulation of the Real Estate Market, and the Notice of the Housing Provident Fund Management Committee of Tangshan City on Adjusting Relevant Loan Policies, the center has suspended handling loans from different places since March 20, 2065438.

5. What provident fund businesses can be handled online at present?

In order to further facilitate the deposit units and employees to handle business and improve service efficiency, the center has opened the following online services:

The online deposit of housing provident fund by the unit has realized the establishment, deposit, sealing, unsealing, merger, overdue payment, adjustment of base and change of information of the unit online, and basically realized the full coverage of the deposit business.

Withdrawal of housing provident fund loan repayment and retirement withdrawal (male employees over 60 years old, female employees over 55 years old, personal accounts sealed, no outstanding housing provident fund loans) have been handled online, and employees can settle immediately without leaving home.

For commercial housing loans, the center started the development of "developer's online business hall" at the end of 20 18. At present, six enterprises, including Vanke, Evergrande and Country Garden, have been selected for training and trial operation, and the starting point of loan processing has been moved forward. After the employee chooses a house, he can submit the loan application information at one time, and truly realize the loan "running at most once". In terms of stock housing loans, online processing is being developed, and eventually "the loan will run at most once".