Nanchang provident fund business needs to meet the following conditions: 1, with valid identity certificate and household registration certificate, and full capacity for civil conduct; 2. Have a relatively stable income, good credit and the ability to repay the principal and interest of the loan; 3. When the borrower applies for the provident fund loan, he has continuously paid the housing provident fund in full for more than 6 months (including 6 months) according to the Measures for the Administration of Housing Provident Fund Deposit in Nanchang; 4. The loan applicant should be one of the property owners or buyers; 5. There is a certain proportion of down payment for house purchase that meets the requirements; 6. If the house has been withdrawn from the housing provident fund, it will take 6 months before the applicant can turn it into public ownership, and the loan amount can be deducted from the withdrawal amount; 7. The commercial loan applied for conversion is a purely commercial housing loan issued after May 20 16 (inclusive). 8. The house that applies for commercial loan conversion is self-occupied residence. After the successful transfer of this business, the monthly repayment amount of users will be reduced due to the reduction of loan interest rate, which can greatly reduce the repayment pressure of users. 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, and submitted to the State Council for approval after consulting the construction administrative department of the State Council. Seventh the State Council municipal construction administrative departments in conjunction with the the State Council municipal finance department, the people's Bank of China to develop housing provident fund policy, and supervise the 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.
Second, can Nanchang's provident fund be transferred to Fuzhou?
No, because only Fuzhou provident fund can be converted into provident fund.
Because according to the relevant policies and regulations, in order to further implement the housing demand of the state, on March 4, Nanchang Housing Provident Fund Management Center issued the Notice on Optimizing the Use Policy of Housing Provident Fund and Rectifying Housing Provident Fund.
It is reported that the current rent withdrawal quota in Nanchang (monthly 1.200 yuan in downtown area, monthly 1.500 yuan in Nanchang County, Jinxian County and Anyi County) will be handled from March 7, 2022 (inclusive), and the difference will make up for 20 yuan.
At the same time, at present, Nanchang housing has paid 600,000 yuan to employees, 500,000 yuan to employees in Nanchang County, 400,000 yuan to employees in Jinxian County and Anyi County, and 300,000 yuan to employees in Anyi County. The execution time is based on the filing time of the commercial housing purchase contract, the time specified in the deed tax payment certificate of the stock house, and the acceptance time of the business transfer.
3. Is it necessary for Nanchang commercial enterprises to transfer public funds?
Yes, you can apply. At present, the cities that meet the requirements of applying for "business to public" are Jiujiang, Yichun, Shangrao, Fuzhou and Wuhan. Among them, citizens who have paid the provident fund in Jiujiang and Wuhan can apply for "business to public" in Nanchang Housing Provident Fund Management Center, and citizens who have paid the provident fund in Yichun, Shangrao and Fuzhou can apply for it in Jiangxi Housing Provident Fund Management Center. Due to data exchange and other reasons, other cities in Jiangxi Province temporarily do not support the transfer of provident fund in different places.
4. Can a commercial loan for buying a house in Nanchang be converted into a provident fund loan? What are the conditions? dead ...
Hello, if you apply for a personal housing commercial loan in our bank, Nanchang Branch does not accept the business of transferring to public at present. If your original commercial loan house has obtained the house ownership certificate, you can try to apply to the provincial provident fund management center.
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