On April 28th, Changsha Provident Fund Center issued the new policy of "Notice on Further Optimizing Business-to-Public Loan Business". After that, some changes have taken place in the process of enterprises to the public. Let's take a look at Bian Xiao.

What is the transfer process of Changsha provident fund merchants in 2023?

(1) application. After obtaining the Consent Letter of Housing Provident Fund Loan from Commercial House in Changsha Housing Provident Fund Management Center, the employees apply for a loan from Changsha Housing Provident Fund Center, and submit true, complete and effective application materials as required.

(2) Acceptance and examination and approval. Changsha Provident Fund Center conducts a preliminary examination of the application materials, and accepts and approves those that meet the general conditions of loans and have complete materials.

(3) face-to-face signing. The two parties to the contract signed the "Changsha Housing Provident Fund Personal Housing Loan Mortgage Contract". If the remaining principal and interest of the original commercial loan exceeds the amount of the housing provident fund loan, the difference between "the remaining principal of the original commercial loan-the monthly repayment amount of the original commercial loan in the past three months-the amount of the housing provident fund loan" shall be repaid by the employees themselves, and the repayment flow shall be submitted together at the time of face-to-face signing.

(4) mortgage. The employee has completed the second mortgage registration procedure with Changsha Provident Fund Center as the mortgagee.

(5) borrowing. Changsha Provident Fund Center will lend money to the designated account of the original commercial bank after receiving the secondary mortgage registration certificate.

(6) loan settlement and withdrawal. The remaining amount of the employee's pre-deposited settlement of the original commercial loan shall be used by the original commercial bank to settle the original commercial loan together with the employee's pre-deposited funds within 3 working days after receiving the housing provident fund loan. Employees should go through the mortgage cancellation procedures within 10 working days after the original commercial loan is settled, and submit the real estate registration form or real estate registration information form of the original commercial bank after the mortgage cancellation to Changsha Provident Fund Center.

The above is the specific process of transferring Changsha provident fund business to the public in 2023. You can pay attention.