The borrower must be the borrower or spouse of the original housing loan (the buyer is required); The original commercial housing loan has not been settled, and the bank agrees that the borrower will settle the loan in advance; The original commercial housing loan has been repaid for more than one year (inclusive), with a good credit record and no overdue loan balance;
The purchased property has obtained the house ownership certificate issued by the local real estate registration department, and it is a steel-concrete structure; Commercial loans that can be mortgaged for the purchased real estate can be converted into provident fund loans; Have not applied for housing provident fund loans; Materials required for the loan conditions of commercial loans to provident fund (all materials must be provided in originals).
Extended data
On the 25th, the Nanjing Housing Provident Fund Management Center of Jiangsu Province issued the Interim Measures for Individual Housing Provident Fund Loans to Commercial Discounted Loans in Nanjing, allowing lending banks to issue commercial loans to individuals according to the amount of provident fund loans, and the provident fund center will subsidize the spread between commercial loans and provident fund loans.
According to this method, when the personal loan rate of housing provident fund is higher than 90%, Nanjing Provident Fund Management Center will start the discount loan business of revolution business. "Public enterprises" discount loans discount funds from the housing provident fund business expenses. The discount loans of "revolutionary merchants" are managed according to the principle of provident fund loan management, and the applicant's application for revolutionary merchants is recorded as an application for provident fund loans.
The relevant person in charge of Nanjing Provident Fund Management Center said that the "circular business" policy was introduced to ease the loan pressure of buyers, ensure the healthy liquidity of loan funds, and better support and meet the housing loan needs of employees who paid housing provident fund. However, at present, the only lending bank that can handle "revolutionary business" is China Construction Bank.
According to the data of online real estate in Nanjing, in July this year, the number of new houses in Nanjing was 10586, which was more than 20% higher than that in June, and even more than 130% higher than that in the same period last year, setting a new record for single-month transactions in the past six years, the highest in history (165438+2009/kloc
The concept of national Jiangbei New District is that the pure new plate has brought fire to this plate, and the sales of multiple real estates reproduce "daylight". This has also caused a sharp increase in the pressure on Nanjing provident fund loans.
It is understood that the phenomenon of "equal loan" of Nanjing provident fund is relatively common at present. Some property buyers said that consulting provident fund and banks got the news that provident fund loans need to be queued, and the waiting time may be as long as two or three months. "Revolutionary Businessmen" will become the choice of many just-needed buyers.
Reference: Xinhuanet? The hot property market has led to tight provident fund loans. Nanjing has implemented "revolutionary commerce".
Beijing Housing Provident Fund Network? Guide to new commercial housing loan