Liaocheng housing accumulation fund extraction or transfer network

I Liaocheng Housing Provident Fund Extraction or Transfer Network

If the unit is adjusted or the work of employees changes, the unit shall handle the transfer procedures of housing provident fund for employees. Transfer includes transfer in the same city and transfer in different places.

When handling, the new unit should first issue a letter of acceptance or a certificate of provident fund transfer, and then hand over the certificate and a copy of the ID card to the original unit provident fund manager, who will issue a letter of transfer and affix the official seal of the unit, and the original unit provident fund manager or individual will go through the transfer formalities at the provident fund management center.

The specific process is:

Transfer in the same city: the unit or employee provides the necessary materials-the management department reviews-and goes through the transfer procedures in the same city.

Transfer from different places: employees provide necessary materials-the transfer-in place issues a new household registration certificate and a transfer-out contact letter to the transfer-out place management department-the transfer-out place management department transfers money or telegrams-and the transfer-in place management department registers personal accounts.

The staff member said that the transfer in the same city (only in urban areas) is generally handled by the unit, and the transfer in different places must first consult the conditions that need to be received by the transfer place. In the case of complete procedures, it takes no more than 3 working days to handle the transfer in the same city and no more than 15 working days to handle the transfer in different places.

Second, Liaocheng Provident Fund Merchants Turn to Public New Deal 2022?

The adjustment of Liaocheng housing provident fund policy in 2022 is as follows:

The following content comes from the release of Liaocheng provident fund account on June 6, 2022:

First, enterprises affected by the COVID-19 epidemic can apply for deferred payment of housing provident fund in accordance with the regulations, and pay back after the expiration. During this period, paid employees can normally withdraw and apply for housing provident fund loans, which is not affected by the holdover.

Two, affected by the COVID-19 epidemic depositor, can not repay the housing provident fund loans, shall not be overdue, shall not be submitted to the credit department as overdue records.

3. The withdrawal amount of paid employee rental housing is increased from 1.500 yuan to 1.800 yuan per month.

4. When applying for housing provident fund loans for the first time, the maximum loan amount for employees with single deposit will be raised from 240,000 yuan to 270,000 yuan, and the maximum loan amount for employees with double deposit will be raised from 400,000 yuan to 450,000 yuan.

Five, employees who have paid housing provident fund in different places, cancel the household registration restrictions on housing provident fund loans in different places, and enjoy the same housing provident fund loan rights as employees who have paid housing provident fund loans in this city.

Six, real estate development enterprises to apply for housing provident fund project access cooperation, to obtain the "pre-sale of commercial housing (sales) permit", you can apply for housing provident fund loan access procedures.

Liaocheng Housing Provident Fund Management Center is responsible for the interpretation of the above support policies, and the implementation time is tentatively set at 65438+3 1 on February 2022.

3. When will Liaocheng resume the business of revolution?

Not yet.

It is understood that in 20 15, according to the Opinions of the General Office of the Provincial Government on Improving the Management System of Provident Funds, the city launched "commercial-to-public lenders will handle personal housing commercial loans only after they have settled them". 20 19 in the discussion of emancipating the mind, in order to solve the pressure of employees' fund-raising and repayment, the business of "transferring business to public loans" was launched, and it was well received by employees since the implementation of the policy.

The reason why the business of transferring commercial loans to individual housing is suspended is because it is invalid and there is no policy basis. In addition, because "commercial bank loans are converted into housing provident fund applicants, there is no longer the problem of issuing loans. In the case of limited funds, in order to ensure the purchase of houses that have not yet been acquired, the "business-to-public" industry was suspended.

4. Can commercial loans be transferred to provident fund in 2022? Of course.

In 2022, commercial loans can be transferred to provident fund, but commercial loans to provident fund loans need to meet the following conditions:

1. When the borrower applies for a loan, the provident fund is in a normal state;

2. The borrower or the applicant's unit has paid the provident fund for the borrower for 12 months including 12 months;

3. The borrower has a stable economic income.

The above is the relevant content of whether commercial loans can be transferred to provident fund in 2022.

How to transfer commercial loans to provident fund loans

1. Submit materials and apply: the provident fund management office confirms whether it has the conditions to transfer to provident fund mortgage;

2. Bank audit, waiting for notice: the borrower negotiates with the commercial bank and informs the bank that it intends to transfer the provident fund mortgage, which will be audited and confirmed by the bank. Fill in and submit relevant materials according to the requirements of commercial loan banks;

3. Credit investigation and loan repayment calculation;

4. Sign a contract and sign a provident fund mortgage contract;

5. Make up the difference.

Is the merchant transferring the loan record once or twice?

When the customer handles the transfer business, the loan record on the credit report remains unchanged. In fact, the customer has only applied for a loan from the bank once, and the business change is to change the loan business type. Of course, it should be noted that since the business has been transferred to the public, if the customer later borrows money to buy a house, if he chooses to apply for a provident fund mortgage, it is a secondary provident fund mortgage. It is precisely because of this that customers need to settle the provident fund mortgage before they can apply for a provident fund mortgage to buy a second suite. After having applied for provident fund mortgage twice, if you want to borrow again to buy a third suite, you can only apply for personal commercial housing loan, not provident fund mortgage. In addition, customers must not only pay the housing provident fund, but also pay it continuously for more than 6 months (inclusive) when handling the business of transferring business to public. In addition, the original commercial housing loan must be repaid for one year, with a good credit record and no overdue behavior. Provident fund mortgage can be used twice at most. No matter whether the user is single or married, a family can only use the provident fund loan twice to buy a house. When users apply for housing provident fund personal housing loans, none of the loan applicants have housing provident fund housing loan records, which is called the first set of housing loans. Therefore, when applying for mortgage, users need to know whether individuals still have the right to apply for provident fund mortgage. This article is mainly about whether commercial loans can be transferred to provident fund in 2022, and the content is for reference only.