1, which meets the application conditions for housing provident fund loans in our city;
2. The borrower must be the borrower or spouse of the original housing loan (required by the buyer);
3. The original commercial housing purchase loan has not been settled, and the bank agrees that the borrower will settle the loan in advance;
4. The original commercial housing 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 real estate license issued by the local real estate registration department, and it has a steel-concrete structure;
6. Commercial loans that can be mortgaged for the purchased real estate can be converted into provident fund loans;
7, did not apply for housing provident fund loans.
Business to public process:
1. Consult the local provident fund center and the original commercial loan bank. According to the prompt, contact the loan bank to print the repayment flow and submit the application for early repayment;
2. Bring relevant materials and submit them to the Provident Fund Center for review. What are these materials, which need to be subject to the notice of the local provident fund center;
3. Contact the original loan bank for repayment. If you want to turn business into public, it is necessary to settle the commercial loan in advance;
4. Contact the account manager of the bank and get the loan settlement certificate, the original real estate license, the last settlement flow and other materials;
5. Submit the loan settlement certificate, the original real estate license and the last settlement flow to the provident fund center;
6. After the provident fund is approved, the customer will be asked to sign it in person. Face-to-face interview is not very complicated, and generally only standard questions are asked, such as the customer's family, occupation, income, etc.
7. After the face-to-face signing of the customer, it is the procedure for handling the mortgage of the house. Housing mortgage does not have to be handled by customers themselves, but can be entrusted to an intermediary agency for business;
8. After receiving the mortgage certificate, the provident fund center will arrange the loan. After the provident fund loan is released, the customer needs to repay the loan according to the agreement.
To sum up, employees with flexible employment in Xiangyang City who meet the conditions of provident fund loans can apply for business transfer, and employees (including flexible employees) who normally deposit their housing provident fund accounts in Xiangyang Provident Fund Center need to continuously deposit for nearly 12 months before they can apply for individual housing provident fund loans.
Legal basis:
Article 6 of the Regulations on the Management of Housing Provident Fund
The deposit and loan interest rate of housing provident fund is proposed by the People's Bank of China. After soliciting the opinions of the construction administrative department of the State Council, it is reported to the State Council for approval.
Article 7
The construction administrative department of the State Council shall, jointly with the finance department of the State Council and the People's Bank of China, formulate the housing accumulation fund policy and supervise its implementation.
The construction administrative departments of the people's governments of provinces and autonomous regions shall, jointly with the financial departments at the same level and the branches of the People's Bank of China, be responsible for supervising the implementation of the regulations and policies on housing provident fund management within their respective administrative areas.