Can Shenyang provident fund be mortgaged after half a year?

Take a closer look at the latest policy. This is the news report of the Evening News.

The threshold has been lowered: you can apply for a loan even after paying the provident fund for six months.

The quota has been relaxed: a family of three can borrow up to 5, yuan.

The time limit has been shortened: it takes five days to apply for a provident fund loan at the earliest.

shenyang evening news reports: Yesterday, the Shenyang Housing Provident Fund Management Committee discussed and passed "Several Opinions on Strengthening Personal Loans for Housing Provident Funds to Expand Housing Consumption". It is reported that the "11 new policies" for personal loans of housing provident fund have been officially implemented since today (March 1).

The maximum loan amount is raised to 5, yuan

The maximum personal loan amount of housing provident fund is raised. The maximum amount of personal loans for housing provident fund is raised from 2, yuan to 25, yuan unilaterally; The loan limit of both parties remains unchanged at 4, yuan. For families with more than three people paying housing provident fund, the maximum amount of provident fund loans is 5, yuan.

the "threshold" for loans is lowered

① the application conditions are lowered, and employees can apply for housing provident fund loans after six months of continuous payment: the original policy that employees can apply for housing provident fund loans after 12 months of continuous payment of housing provident fund in full is adjusted to that employees can apply for housing provident fund loans after six months of continuous payment of housing provident fund in full.

② reduce the down payment ratio: the minimum down payment ratio for hardcover rooms and serviced apartments will be adjusted from not less than 5% of the total purchase price to not less than 4% of the total purchase price; The minimum down payment ratio for attic on the top floor, garden on the bottom floor and duplex commercial housing will be adjusted from not less than 4% of the total purchase price to not less than 3% of the total purchase price.

③ portfolio loan can enjoy the best interest rate: when the personal loan amount of provident fund is insufficient and it is necessary to apply for portfolio loan business of commercial banks at the same time, all the newly added portfolio loans can enjoy a 3% discount interest rate.

④ apply for provident fund loans after the demobilized military cadres who choose their own jobs pay back: demobilized military cadres who choose their own jobs can apply for personal housing provident fund loans by opening an account and paying back the provident fund for more than 6 months (including 6 months). At present, the center has set up a special window in Huanggu Management Department to handle provident fund loan business for eligible demobilized cadres who choose their own jobs.

Commercial loans can be converted into provident fund loans

Personal housing loans of commercial banks can be converted into provident fund personal loans. In order to reduce the pressure on employees to repay their housing loans and meet the needs of employees who apply for commercial housing loans because they do not have the conditions for personal provident fund loans, employees who meet the conditions for personal provident fund loans will be transferred from commercial loans to personal provident fund loans.

"fast track" loan can come down in 5 days

From today, Shenyang Provident Fund Management Center, the Ownership Registration Center of the Municipal Real Estate Bureau and the real estate home purchase guarantee company * * * will open the fast track of provident fund loan guarantee mortgage. When citizens handle the provident fund loan business, they can get the loan down within 5 working days at the earliest.

Personal loans for reputable developers can be relaxed

For real estate development enterprises with good qualifications and credit, the conditions of personal loans for provident fund can be appropriately relaxed.

seven benefits can be enjoyed for loans from different places

In addition, citizens of seven other cities in "Shenyang Economic Zone" can enjoy four preferential policies in the first eight "New Deal", such as increasing loan amount, lowering loan conditions, reducing down payment ratio and enjoying preferential interest rates. Is it appropriate to

transfer commercial loans to provident fund?

The bank said: It depends on the lender.

From today (March 1st), eligible employees can handle personal business of transferring commercial loans to provident fund loans. On the same day, the reporter interviewed Manager Wang of the personal loan business department of a commercial bank in Shenyang.

He said that according to the current personal loan interest rate policy, the benchmark interest rate for more than five years is 5.94%. Interest is calculated at a discount of 8.5%, with an annual interest rate of 5.5%; At a 3% discount, the annual interest rate will be as low as 4.16%.

The loan interest rate of the provident fund for more than five years is 3.87%. In this way, the interest rate difference between commercial loans and provident fund loans will be .29%-1.18%. Therefore, in theory, it is more cost-effective to transfer commercial loans to provident fund loans.

However, he also reminded the lender that the following questions should be considered to see whether it is cost-effective to transfer commercial loans to provident fund. The transfer of outstanding commercial loans to provident fund loans requires the consent of the borrowing bank. According to the practice of the banking industry, the lender can only refinance the loan after clearing the loan, which requires the lender to pay the liquidated damages for prepayment. The proportion of liquidated damages in each bank is not the same, so you need to calculate it carefully according to the proportion agreed in the contribution contract.

In addition, under the current low interest rate, if you have paid off half of the loan, the interest you need to pay is not much, so the significance of refinancing is not great.

, you can also enjoy the following three "New Deal".

① Open SMS reminder service: The center provides "Instant Message" SMS service for citizens who apply for loans in different places, so that borrowers in different places can know the changes of your account in time.

② setting up a "green channel for off-site loans": provident fund centers around the country set up acceptance windows for off-site loans, with full-time staff responsible for loan issuance. Simplify procedures, reduce procedures, and establish a convenient and fast green channel for off-site loans.

③ "integrated" management of provident fund in eight cities: build an information exchange platform for provident fund, promote the sharing of information and resources, and realize the "integrated" management of provident fund in Shenyang Economic Zone.

that is, Shenyang citizens can enjoy 8 preferential policies, and other urban residents who take out loans in different places can enjoy 7 ("4+3") preferential policies.

provident fund consultation service telephone number: 96688

On February 28th, Xing Kai, member of the Standing Committee of the Municipal Party Committee and vice mayor, revealed that in 28, among the 15 sub-provincial cities in China, Shenyang ranked first in real estate development investment and commercial housing sales area; The house price is only higher than Harbin and Changchun, ranking third from the bottom. According to the comprehensive index evaluation of the real estate market, Shenyang's real estate market is the best in the country.

this year, Shenyang invested 3 billion yuan in provident fund

Units that fail to pay the provident fund on time

will be punished

(Reporter Zhang Jing, intern Zhang Shengxi, Wu Jia) In 29, Shenyang plans to collect 5 billion yuan in housing provident fund and invest 3 billion yuan in personal housing loans. Units that fail to pay the provident fund for employees on time and in full and encroach on the interests of employees will be punished according to law.

in p>28, Shenyang * * * collected 4.89 billion yuan of housing accumulation fund, an increase of 36.2% over the previous year. The number of newly opened accounts was 92,882, an increase of 29.3% over the previous year. Personal loans for housing provident fund were 2.92 billion yuan, 14.2% of the annual plan was completed, and 2.52 billion yuan of housing provident fund was used for employees, an increase of 39.2% over the previous year. In the whole year, 1,197 new accounts were opened, which achieved a historic breakthrough. By the end of 28, the city had accumulated 21.24 billion yuan of housing provident fund, with a balance of 12.48 billion yuan. The provident fund system has covered more than 1, units and more than 1 million employees.

In p>29, Shenyang plans to collect 5 billion yuan of housing accumulation fund for the whole year; Put in personal housing loans of 3 billion yuan, and control the overdue rate of personal loans below .3%. At the same time, we will focus on supporting poor families and employees who buy small and medium-sized loans, gradually establish a provident fund loan policy that is inclined to low-income families in cities and towns, and increase the supplementary funds for low-rent housing on the basis of increasing value-added income.

in order to reduce the labor cost, some units fail to pay the provident fund for their employees on time or in full, and the center will innovate the law enforcement methods this year, publicize and prompt the payment, and expose and punish the units that encroach on the interests of employees according to law.