Regarding mortgages, many people care about this problem

Kan Caijun paid attention to the latest developments of the densely introduced policy of the List of List of Hunan Province last Sunday, and the attention was quite high. In particular, the issue of "commercial transfer" (commercial loan transfer provident fund loan) has continued to be popular recently. Many friends are consulting how to enjoy policy dividends and "reduce burden" for monthly mortgages.

No, the housing provident fund management center of the provincial unit has just announced the monthly report of the hot spot consultation problem in May, and Kan Caijun sorted out this.

(On May 12, 2021, a community environment in Huangxing North Road, Changsha City was pleasant, and many residents played at the playground. Hunan Daily · New Hunan client reporter Fu Cong)

1

These banks can handle the "business -to -public" portfolio loan

According to the Provincial Direct Provident Fund Center, the current "commercial transfer" portfolio cooperation bank is Everbright Bank, Bank of Communications and Construction Bank. The interest rate of the three banks is the same, and the current interest rate is as follows:

The first house: 4.45%within 1-5 years; 5.2%above 5 years.

Second house: 4.65%within 1-5 years; 5.4%above 5 years.

Although the mortgage interest rate is in the downward cycle as a whole, Kancai Jun found that the mainstream interest rate of the current first house in Changsha's commercial loan is still about 5.0%. In contrast, the interest rate of the "business -to -public" portfolio loan is obviously more cost -effective.

(On August 20, 2021, the residential house along the west of Tianxin District, Changsha City, Changsha City, was refreshing. Hunan Daily · New Hunan Client reporter Li Jian)

2

"Commercial Transfer" combination loan can be accepted in one stop

Applying for the "business -to -public" portfolio loan, it sounds to go to the Provincial Direct Provident Fund Center, and run the bank to handle it. It seems very troublesome.

The Provincial Direct Provident Fund Center stated that the "commercial transfer public" portfolio loan can be accepted by one -stop acceptance in the center of the center of the center. Customers do not need to go to commercial banks for the application, approval, and signing procedures for customers to apply for the "commercial transfer public" portfolio loan business.

Combined loans are becoming more and more popular. It is understood that as of the end of May this year, the Provincial Direct Provident Fund Center issued 1558 combination loans and 1.5 billion yuan (including bank lending 648 million yuan), which has accounted for nearly half of the total number of loans issued this year.

(On May 17, 2022, the Gusong Museum in Binjiang New Town, Changsha City was basically completed. Photo by Li Jian Wang Wen, a reporter from Hunan Daily All -Media)

3

This kind of situation cannot apply for "business to the public"

Many consultants ask questions: Can the suites apply for a "business transfer" business?

The Provincial Direct Provident Fund Center replied "No". According to Article 6 of the "Administrative Measures for the Management of Personal Housing Provident Fund Loans in Hunan Province", before applying for a loan, the borrower and spouse handle the loan in the name of the housing housing provident fund in the name of the house purchase.

Another consultant asked: "There was a set of housing provident fund loans before marriage before marriage. After the marriage, the couple wanted to buy a house together and apply for a housing provident fund loan. Can this situation be loan?" In this regard, the Provincial Direct Provident Fund Center replied "No, no" No You can "according to the" Administrative Measures for the Management of Personal Housing Provident Fund Loans in Hunan Province "in Article 5 of the Management Measures for Housing Provident Fund Loans in Article 5 of the Housing Provident Fund Loan, if the borrower and spouse have the housing provident fund loan that is not clear, the housing provident fund loan cannot be applied for.

(On November 26, 2021, the glorious community of Yongfeng Street, Shuangfeng County, the construction site of the public rental housing project of the affordable residence community was busy.

[Author: Chen Yan]

[Edit: Liu Ye]

[Source: Kancong WeChat public account]

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