According to the public reply of People's Daily Online, 20 19, 12, 16, Chengdu Housing Provident Fund Management Center, Sichuan Province, Chengdu is currently not allowed to handle commercial loans to provident fund loans.

In recent years, the capital utilization rate and personal loan rate of Chengdu Provident Fund Center have been running at a high level. Since 20 19, the demand for provident fund loans has shown a significant growth trend (loan issuance in the first half of the year increased by 170.8% compared with the same period of last year).

Therefore, under the premise of ensuring the normal withdrawal and loan of employees' housing provident fund, Chengdu Housing Provident Fund Management Center has been unable to bear the huge capital demand brought about by "business to public". Therefore, at present, Chengdu Provident Fund Management Center does not have the conditions to carry out business-to-public loans.

Extended data:

I. Application conditions for commercial loans to public loans:

1、? Meet the application conditions for housing provident fund loans.

2. The borrower must be the borrower or spouse of the original housing loan (the purchaser is required).

3. The original commercial housing loan has not been settled, and the bank agrees that the borrower will settle the loan in advance.

4. The original commercial housing purchase loan has been repaid for more than one year (inclusive), with a good credit record and no overdue loan balance.

5. The purchased property has obtained the house ownership certificate issued by the local real estate registration department, and it is a steel-concrete structure.

6. Commercial loans secured by purchased real estate can be converted into provident fund loans.

7, did not apply for housing provident fund loans.

Two. Term conditions for converting commercial loans into public loans:

1, within the loan period of local housing provident fund;

2. Within the remaining life of the original commercial housing loan.

3, "business to public" loan interest rate according to the provisions of the people's Bank of China housing provident fund loan interest rate.

4. If the borrower applies for a "business-to-public" loan, it shall provide a guarantee method that conforms to the application for housing provident fund loan.

People's Network-Can Chengdu handle the business of transferring commercial loans to provident fund loans?

Baidu encyclopedia-provident fund loan