Urumqi housing provident fund can handle the loan business

Tianshan News (Reporter Wei Hongping reported) On August 4, the reporter learned from the Urumqi Housing Provident Fund Management Center that employees who pay the housing provident fund have the opportunity to apply for a commercial housing loan transfer to the housing provident fund loan business!

On August 4, Urumqi Housing Provident Fund Management Center authorized the bank outlets to handle the provident fund business to handle related business for the citizens. Pomegranate cloud/Xinjiang Daily reporter Wei Hongping was taken by Wei Hongping

In order to resolve the depositor to the depositor to apply for a commercial housing loan to transfer the housing provident fund loan, due to the early real estate mortgage in commercial banks, some employees cannot provide a loan guarantee for real estate mortgage, provident fund joint insurance, etc. Essence

Urumqi Housing Provident Fund Management Center has repeatedly convened a special meeting to study and demonstrate the business process and existing risk points of commercial transfer loans. With the strong support of the Urumqi Real Estate Registration Center and various commercial housing loan banks to comply with relevant laws and regulations and prevention On the premise of controlling funds, the changes in the change of the mortgage of the commercial transfer loan began in mid -April and conducted a trial operation.

How to apply for a commercial loan to transfer to the provident fund loan?

First of all, the loan person needs to pay the housing provident fund for more than six consecutive months in accordance with the regulations. The loan person must be the same person as the original commercial loan borrower.

Secondly, the original house loan is a pure commercial loan (excluding a combined loan). The repayment status is normal and the repayment is more than one year. The credit is good.

Third, the principal balance must be smaller than the applicant's public deposit loan quota when the original commercial loan is transferred to the provident fund loan, and it can provide guarantees recognized by the Provident Fund Management Center.

As of August 2nd, Ukrai has been transferred to 2,942 depositors, a total of 1.61 billion yuan. The business not only meets the diverse demand for the purchase of employees, but also provides strong support for the development of the real estate industry in Wu.

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