Wuhan Provident Fund Business Transfer Policy 2022

Note that the loan policy of Wuhan Commercial Transfer Provident Fund has been released. This paper will introduce the policies and guidelines of Wuhan Commercial Transfer Provident Fund, including loan application conditions, loan amount, loan interest rate, calculation formula of loan amount, loan process and materials. Let's study together!

Wuhan Commercial Loan to Provident Fund Loan Policy in 2023

1. What is the transition from business to public?

Commercial personal housing provident fund loans (hereinafter referred to as "corporate commercial loans") refer to-

Workers who pay housing provident fund in Wuhan will turn their outstanding commercial personal housing loans (excluding commercial loans in portfolio loans) into provident fund loans audited and issued by the provident fund center.

The sub-lender shall be the property owner of the house purchased by the commercial loan and the borrower of the original commercial loan, and the purchased house has been handled with real estate license, land use right certificate or immovable property right certificate, and shall not exceed the remaining amount and remaining years of the original commercial loan.

Two, Wuhan city commercial loans to provident fund loan application conditions

Applicant:

Where employees who have paid the housing provident fund in full and on time for 6 months or more in Wuhan area apply for personal housing commercial loans by purchasing new commercial housing (first-hand housing) or existing housing (second-hand housing) in our city, they must apply for commercial loans in their own name (hereinafter referred to as "the lender").

Application requirements:

1. The sub-lender and its spouse hold legal identity documents, have full capacity for civil conduct, and are between 18 years old (inclusive) and the legal retirement age, that is, men are under 60 years old and women are under 55 years old;

2. The sub-lender and its spouse have good credit, and agree to authorize the entrusted bank and the provident fund center to inquire about their personal credit reports, which is in line with the credit review standards of individual housing provident fund loans of the provident fund center;

3. The sub-lender and its spouse have stable economic income and the ability to repay the loan principal and interest on time;

4. There are no outstanding housing provident fund personal loans, and there are no other debts that affect the repayment ability of housing provident fund personal loans;

5. Agree to settle the balance of the original commercial loan in advance;

6. The original commercial loan has been repaid normally for 65,438+02 months or more after it is issued, and the proof of normal repayment and loan balance of the original commercial loan issued by the commercial bank that issued the loan is provided;

7. The house purchased by the original commercial loan has been handled with the house ownership certificate, state-owned land use certificate or property right certificate, and the property right is clear;

8. The sub-lender and the spouse agree that the guarantee institution provider recognized by the provident fund center will transfer the loan guarantee to the public;

9. The sub-lender and spouse agree that the housing appraisal agency entrusted by the provident fund center will issue a housing appraisal report on the existing housing;

10, agreeing to use the original commercial loan housing as mortgage guarantee;

1 1. The housing age (subject to the year of completion, the same below) of the houses that the stock house dealers turn to public loans shall not exceed 30 years (including 30 years).

Important reminder:

According to the detailed rules for the implementation of Wuhan individual housing commercial loans to housing provident fund loans and the relevant provisions of the liquidity risk management of housing provident fund in our city, in view of the fact that the proportion of individual housing provident fund loans (the ratio of the balance of individual housing provident fund loans to the balance of housing provident fund deposits) in our city has exceeded 85%, it is impossible to handle the business of transferring commercial loans to housing provident fund loans under the following five circumstances:

1. Employees who have not paid the housing provident fund in this city cannot apply.

2, housing provident fund deposit workers (including spouses) to apply for housing provident fund loans, in the past 6 months for the same set of housing to extract housing provident fund, can not be handled.

3. Commercial loans with overdue bad credit records during the repayment period cannot be processed.

4, commercial loans to provident fund loans are limited to the first suite, the second suite can not be handled.

5, for commercial loans to provident fund loans, the original commercial loan borrowers and provident fund loan borrowers must be consistent.

Three. Maximum loan amount and loan interest rate of Wuhan Commercial Loan Provident Fund.

Maximum limit:

The loan amount of commercial loans transferred to provident fund shall not exceed the remaining commercial loans, and shall not exceed the provisions of the provident fund center on the loan amount and proportion of new commercial housing and existing housing. 10 from June 8, 2022, the maximum amount of housing provident fund loans for Wuhan employees' families to purchase the first set of ordinary self-occupied housing (including business transfer) is 900,000 yuan.

Note: Commercial loans to provident fund loans are limited to the first suite, not the second suite.

Loan interest rate:

The interest rate of commercial loans to the public shall be subject to the interest rate standard stipulated by the People's Bank of China. If the loan term is within 1 year (including 1 year), the contract interest rate shall be implemented. In case of adjustment of the loan interest rate of the People's Bank of China, interest will not be calculated by sections; If the loan term exceeds 1 year, when the loan interest rate of the People's Bank of China is adjusted, the interest rate will not be adjusted in that year, and the specific adjustment time is 1 day in the following year, and the new interest rate will be implemented according to the corresponding interest rate grade.

Click to view the latest interest rate of Wuhan provident fund loan.

Four, Wuhan commercial loans to provident fund loan amount calculation formula

1, not higher than the loan amount determined according to the loan repayment ability.

Loan amount = (sum of borrower's monthly provident fund contributions/unit and individual ratio+sum of spouse's monthly provident fund contributions/unit and individual ratio) ×35%× 12 months× loan period.

2. Not higher than the loan amount comprehensively determined according to the deposit time and deposit balance of the provident fund.

Loan amount = (borrower's provident fund deposit balance+spouse's provident fund deposit balance) ×20 times× deposit time coefficient. The specific deposit time coefficient is shown in the table below:

note:

(1) For new employees who participate in the housing provident fund, the opening time of the individual housing provident fund deposit account should be 180 days from the date of applying for the housing provident fund loan, and the deposit account has been paid in full for more than 6 months (excluding one-time deposit), and the deposit account is in normal state.

(2) The depositor shall pay the housing provident fund continuously, normally and in full within 6 months before applying for the housing provident fund loan, and shall not pay it off or stop paying it.

(3) When the depositor applies for a housing provident fund loan, the last remittance month of his personal provident fund account is at least the previous month of the loan application month.

(4) Employees who have paid the housing provident fund for 6 months or more shall calculate the payment time according to the actual payment months (excluding one-time payment) and determine the corresponding payment time coefficient and loan amount.

(5) Employees transferred from different places to Wuhan shall be issued with the deposit certificate of normal deposit for 6 months or more by the foreign provident fund center, and all the provident funds deposited from different places shall be transferred to the local provident fund account. Employees who transfer and deposit in different places through the national provident fund transfer and connection platform do not need to issue a deposit certificate of normal deposit for 6 months or more. If the housing provident fund has been deposited in different places for 6 months or more, the parameter value of the deposit time coefficient is uniformly set as the deposit balance to participate in the calculation of the loan amount. Otherwise, the housing provident fund loan qualification shall be examined and approved according to the examination conditions of newly paid employees in Wuhan.

(6) If the wage base of the paid employee housing provident fund (that is, the sum of the monthly contributions of the borrower's provident fund/the contribution ratio of the unit and the individual) is adjusted many times, the loanable amount shall be calculated according to the minimum wage base in the remittance record of the last six months when applying for housing provident fund loans (subject to the time when the entrusted loan bank entered the provident fund information system).

(7) If the spouse meets the housing provident fund loan conditions, he can participate in the calculation of the borrower's provident fund loan amount.

(8) The loanable amount of employees who apply for housing provident fund loans shall be subject to the loanable amount passed by the loan bank when entering the housing provident fund information system. In the early stage, the trial results of the employee's loan amount paid through the provident fund center official website, mobile APP or the counter are for reference only.

The above two formulas take the minimum value, and the trial results of loan amount are for reference only. The specific loan amount should be comprehensively determined according to the borrower's repayment ability, credit history and other factors, and the approved loan amount shall prevail.

Five, Wuhan commercial loans to provident fund loan period

1. The longest term of corporate loans for newly-built commercial housing enterprises shall not exceed 30 years.

2. The longest period for the dealer to borrow from the public for the stock house shall not exceed 30 years, and shall not exceed the period calculated by halving the remaining service life on the benchmark date of house evaluation.

3. At the same time, the legal retirement time from the sub-lender shall not exceed 5 years, and the loan term shall be calculated in the whole year of actual age.

4. The term of commercial to public loans shall not exceed the remaining term of the original commercial loans.

Note: The shortest loan term is the loan term.

Six, Wuhan city commercial loans to provident fund loan application materials

1. The original and photocopy of the ID card and household registration book of the lender's husband and wife;

2. The original and photocopy of the proof of marital status (singles need to sign a single declaration);

3. The original and photocopy of the house ownership certificate, state-owned land use certificate or immovable property certificate of the house purchased by the original commercial loan;

4. The original loan mortgage contract of the original commercial loan and a copy of Wuhan commercial housing sales contract or stock housing sales contract;

5. The repayment record of the lender's original commercial loan for nearly 65,438+02 months issued by the original commercial loan bank, and the proof of the balance of the original commercial loan and the remaining loan term as of the application date of the lender's transfer to public loans;

6. The Housing Appraisal Report issued by the housing appraisal institution recognized by the Provident Fund Center;

7 other supporting materials required by the provident fund center and the loan bank.

Seven, Wuhan city commercial loans to provident fund loans processing flow

Loan consultation → submission of application → loan acceptance → handling guarantee → signing contract → depositing funds → bank audit → final review of provident fund center → loan issuance → handling mortgage.

Time limit for processing: the final stage of commercial-to-public loan shall not exceed 5 working days.

Charge: No charge.

""Click to view the detailed process steps.

Eight, Wuhan commercial loans into bank provident fund loans.

The banks entrusted by Wuhan Housing Provident Fund Management Center to handle provident fund loans are:

China Construction Bank, Industrial and Commercial Bank of China, Agricultural Bank, Bank of Communications, Bank of China, Hankou Bank, China Merchants Bank, Rural Commercial Bank, China Everbright Bank, Postal Savings Bank, Shanghai Pudong Development Bank, Huaxia Bank, Industrial Bank, China CITIC Bank, Minsheng Bank, Hubei Bank, Ping An Bank, China Guangfa Bank, China Bohai Bank, Zheshang Bank, hengfeng bank and its handling outlets that accept provident fund loans.

Inquire about specific bank outlets: click Enter (after entering, select "entrusted loan bank acceptance outlets" to inquire).

Wuhan provident fund customer service hotline: 027- 12329

Nine, Wuhan City Commercial Loan Guarantee Corporation to the provident fund loans.

Commercial loans to provident fund loans need guarantee institutions to provide phased guarantees, mainly to implement mortgage guarantee procedures for provident fund loans to prevent loan risks.

At present, there are two guarantee institutions that provide phased guarantee for Wuhan commercial loans to provident fund loans, namely:

1, Wuhan Zhong _ Financing Guarantee Co., Ltd.;

2. Wuhan Credit Risk Management Co., Ltd

Click to view the address and telephone number of the guarantee company.