Notes on business-to-public loans

If one of the following circumstances occurs, it will be considered as purchasing a second home:

1. Place of purchase, provident fund payment The "Certificate of Family Existing Housing Inquiry Results" issued by the housing management or real estate department of the place of residence, household registration and other relevant places of work and living shows that the borrower has registered a second house.

The borrower has one provident fund loan that has been settled.

Housing provident fund loans have two repayment methods: equal principal and interest and equal principal. The borrower can choose according to his personal income. Once determined, it cannot be changed during the entire repayment period.

The loan funds are directly transferred to the primary borrower’s personal bank account.

After the borrower applies for a loan, the housing provident fund in the personal account can only be used for entrusted deduction and loan repayment, and cannot be withdrawn in other forms. You cannot apply for a housing provident fund loan again before the loan is paid off.

If the main borrower pays the housing provident fund in the unit, if the payment is less than or equal to 3 months from the current application registration year, it will be regarded as normal payment and the loan can be applied for, and if it is more than 3 months, it will be treated as normal payment. Loans cannot be applied for if the payment is in arrears; if other borrowers have paid the housing provident fund in the unit, if the payment is less than or equal to 3 months from the current application registration year, it will be regarded as normal payment and can participate in the calculation of the loan limit. If it is more than 3 months If you are in arrears, you cannot participate in the loan limit calculation.

If the main borrower pays the housing provident fund as a flexible employee and fails to make regular monthly deposits, the loan cannot be applied for; other borrowers who pay the housing provident fund as a flexible employee fail to make regular monthly payments. cannot participate in the loan amount calculation.

Those who have already applied for a provident fund portfolio loan cannot apply for a commercial bank house purchase loan converted into a provident fund loan.