When will the transfer business resume?

Recently, Zhenjiang Provident Fund Center released

"About" Commercial Housing Loan Transfer

"Relevant Policies" for Personal Loan of Housing Provident Fund

Attention,

From 1, 2023,

Will continue to process

Business-to-public loan business.

Specific details:

business object

The first category:

Employees who have paid provident fund for the discount business of "commercial to public loans" before June 5438+1 October12023 can apply for the business of "commercial to public loans" in batches after the last discount expires.

The second category:

Employees who applied for commercial housing loans before June 5438+1 October1(excluding) in 2023 and who meet the discount conditions of "business to public" should apply for the discount of "business to public" first, and then apply for the business of "business to public" after the discount expires.

Application material

1. The borrower and * * * are consistent with the borrower's ID card, household registration book and marriage certificate;

2. The borrower and the borrower's personal credit report;

3. Repayment schedule of commercial loan balance confirmed by bank seal;

4. The bank card opened by the borrower in the entrusted bank of housing provident fund personal loan can be used for withholding repayment;

5 commercial housing loan contract, purchase contract, invoice, real estate license and other proof of purchase;

6. An assessment report issued by an assessment agency that meets the requirements of the provident fund center (the ownership certificate of the purchased house is exempted from assessment within one year);

7. Other materials that need to be provided.

Treatment process

1. The Provident Fund Center determines the employees who can apply for the business of "business-to-public loan" according to the loan amount, the expiration date of employee preferential treatment and the order in which employees apply for the preferential treatment of "business-to-public loan" for the first time, and informs the relevant employees to apply for business-to-public loan at the entrusted bank (the former commercial housing loan bank) one month in advance.

2. Employees apply for "business-to-public loan" at the entrusted bank.

3. The entrusted bank shall, as required, conduct a preliminary examination of the application for "business-to-public loan", submit the application that meets the acceptance conditions to the provident fund center for examination and approval, and inform the employees of the reasons for not accepting the application that does not meet the acceptance conditions.

4. Go through the formalities of real estate mortgage registration.

5. For those who meet the loan conditions, the provident fund center will transfer the loan funds to the applicant's commercial housing loan repayment account, which will be used for repayment of commercial housing loans.

Handling place

Employees who meet the business conditions of applying for "business-to-public loans" shall go to the original commercial loan bank for handling.

In order to make employees understand more intuitively

"Business-to-business loan" business,

Bian Xiao sorted out and summarized relevant cases.

For reference:

Case 1

Employee A applied for a commercial housing loan on 20 17, and applied for the discount business of "business-to-public loan" after receiving the property right certificate on 20 18. Can he apply for the business of "business-to-business loan"?

A:

The Provident Fund Center will inform Employee A one month in advance according to the loan amount, the expiration date of employee discount, and the order in which employees apply for "business-to-public loan" discount for the first time. After receiving the notice from the Provident Fund Center, Employee A can handle the business of "business-to-public loan" in the original commercial loan bank, and can handle it after re-examination.

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Employee B applied for a commercial housing loan on 20 17, but did not apply for the discount business of "business-to-public loan" after receiving the property right certificate on 20 18. Can he apply for the business of "business-to-business loan"?

A:

Employee b applied for a commercial loan before June 5438+1 October 1 in 2023, but it did not meet the conditions of purchasing a commercial house with a property right certificate for three years and a second-hand house in1year, and could not handle the discount business of "commercial to public loans" or "commercial to public loans".

Case 3

Employee C applied for a commercial housing loan in 2022, but has not yet obtained the property right certificate. Can he apply for the business of "business to public loans"?

A:

Employees of Party C apply for commercial loans before June 5438+1 October1in 2023, and after obtaining the property right certificate, they will first handle the discount business of "commercial-to-public loans". When the discount expires, he can apply to the original commercial loan bank after receiving the notice from the provident fund center.

Case 4

Employee D took out a commercial housing loan in 2022, and will receive the title certificate in March 2023 and retire in June 2023. 1 1. Can he apply for the "business-to-public loan" business?

A:

Employee D applies for commercial housing loan before June 5438+1 October1(exclusive). If the application is less than one year (inclusive) from the statutory retirement age and meets the conditions of "business-to-public loan", you can directly apply for the business of "business-to-public loan".

Case 5

Employee e applied for a commercial housing loan in 2023, but has not yet obtained the property right certificate. Can he apply for the business of "business-to-business loan"?

A:

For commercial housing loans made after June 5438+1 October1in 2023, employee e cannot handle "business-to-public loans" and discount business. 、