1, the provident fund must be Gansu Provincial Provident Fund, and Lanzhou Provident Fund is not supported for the time being;

2. Loan amount = account balance 18 times;

3. The purchased real estate supports the business transferred to the public.

Conditions for applying for business transfer:

1, the house you buy must have a household registration book, and the commercial loan must be paid off;

2. If you buy a house without a house, you must have a real estate as a mortgage in Lanzhou.

3.7 1, 20 19 before the commercial transfer of real estate support.

There are two ways to pay off commercial loans:

1, self-financing repayment;

2. The guarantee company guarantees the real estate, and the specific fees are charged according to different real estates.

Information required for business transfer application: (Married: both husband and wife are single: both parties need originals) ID card, household registration book, marriage certificate, credit report, proof of payment of provident fund by both husband and wife, running salary, proof of no room, commercial loan contract, house purchase contract, stock house sales contract (second-hand house).

Second, the latest policy of provident fund business in Gansu Province was announced to the public.

The latest provisions of the 2022 provident fund are as follows: 1. Cancel the restriction on the proportion of rent expenditure to family income, and do not need to provide tax payment certificates and lease contracts for the record; 2. Relax the conditions for employees to withdraw housing provident fund to pay rent; 3. The employee has paid the housing provident fund in full for 3 consecutive months. If the employee and his spouse have no own housing in the city and rent a house, they can withdraw the housing provident fund of both husband and wife to pay the rent. 1. If one of the following conditions is met, the provident fund can be withdrawn: 1. Users should build their own houses, or renovate and overhaul their own houses; 2. The user has completely lost the ability to work, and has also terminated the labor contract with the unit, and can withdraw the number of years of the provident fund; 3. The user has reached the legal retirement age, gone through the retirement formalities, or retired early; 4. Users can withdraw the housing provident fund to repay the principal and interest of the house purchase loan; 5. The user wants to leave the country to settle down, and the current unit has terminated the labor contract; 6. If the depositor of the provident fund is declared dead or has died, the heir or donor may withdraw the provident fund. 2. The withdrawal process of provident fund is as follows: 1. The reason for withdrawing the provident fund must comply with the provisions of relevant laws and regulations; 2, according to their own situation, submit the corresponding audit data stipulated by law; 3. After making an appointment, submit the application and materials to the bank handling outlets; 4. After reviewing the materials at the outlets, the bank shall issue a written acceptance notice; 5. Bank handling outlets submit price increase materials to the provident fund center for approval; 6. After approval, the withdrawal shall be transferred to the drawer's personal account. Generally speaking, the latest provisions of the 2022 provident fund include relaxing the conditions for employees to withdraw housing provident fund to pay rent, but the withdrawal of provident fund also needs to be carried out in accordance with the procedures of submitting corresponding audit materials that meet the legal requirements and submitting applications and materials at bank outlets after making an appointment. According to Article 16 of the Law "Regulations on the Management of Housing Provident Fund", the monthly contribution of employee housing provident fund is the average monthly salary of the employee in the previous year multiplied by the contribution ratio of employee housing provident fund. The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit. Seventeenth new employees began to pay the housing provident fund from the second month of work, and the monthly deposit amount was the employee's own salary multiplied by the employee's housing provident fund deposit ratio. The newly transferred employees of the unit shall pay the housing provident fund from the date when the transferred employees pay their wages, and the monthly deposit amount shall be the employee's monthly salary multiplied by the employee's housing provident fund deposit ratio. Eighteenth employees and units housing provident fund deposit ratio shall not be less than 5% of the average monthly salary of employees in the previous year; Conditional cities can appropriately increase the deposit ratio. The specific deposit ratio shall be drawn up by the Housing Provident Fund Management Committee and submitted to the people's governments of provinces, autonomous regions and municipalities directly under the Central Government for approval after being audited by the people's governments at the corresponding levels. "Regulations on the Management of Housing Provident Fund" Article 25 The employee's withdrawal of the storage balance in the housing provident fund account shall be verified by the unit to which he belongs, and a certificate of withdrawal shall be issued. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures. Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

3. What are the provisions of the "business to public" policy?

A: According to the Interim Measures of Xiangyang Municipality for Converting Commercial Personal Housing Loans into Housing Provident Fund Loans, the main contents of the policy of converting commercial housing loans into public housing loans are as follows: 1. Employees who have applied for individual housing portfolio loans will not be transferred to the public. 2. For the original commercial mortgage handled in the entrusted bank, the borrower (hereinafter referred to as the lender) can handle the business transfer in the entrusted bank; Commercial mortgage of non-housing provident fund loans issued by the original entrusted bank to individuals can be handled by the lender in the entrusted bank of the same industry. Lending borrowers have the right to choose the entrusted bank to handle business transfer. 3. The city center and its subordinate offices (Management Department) handle the transfer business, and the guarantee for the transfer business is provided by the guarantee company recognized by the city center. 4. The business-to-public loan amount shall not be higher than the original commercial mortgage balance (take 1000 yuan or more as an integer), and the maximum loan amount shall not exceed the loan limit of 500,000 yuan stipulated in the current housing provident fund loan policy. 5. In principle, the term of the transfer household shall not exceed the remaining life of the original commercial mortgage, and the loan life plus the age of the transferring lender can be extended for up to 5 years. 6. The commercial conversion rate is implemented according to the current housing provident fund loan interest rate standard stipulated by the People's Bank of China. 7. After the business transfer is approved by the city center, the sub-lender and spouse can withdraw funds from the personal housing provident fund account for repayment of the loan every two years from the date of issuing the loan.

The latest policy of provident fund business in Gansu Province.

Gansu Province newly stipulates that the proportion of housing provident fund withdrawal is 50%.

When the employees who purchase the houses with property rights have only one house in total, the withdrawal amount cannot exceed the storage balance in the account at the time of application.

Details are as follows:

1. If employees and their family members own two or more houses in total, the withdrawal amount shall not exceed the balance stored in the account at the time of application;

2. After the employee's application for withdrawal of housing provident fund is verified by the unit, he/she shall fill in the "Receipt of Housing Provident Fund" in duplicate and the "List of Withdrawal of Housing Provident Fund" in duplicate, and affix the official seal and financial seal;

3. The handling personnel or individual employees of the deposit unit hold the original and photocopy of their ID cards, the original and photocopy of the Application Form for Housing Provident Fund Extraction and relevant supporting materials, and go to the Provident Fund Center for extraction.

Business to public service

1, loan terms

If the housing provident fund management center fails to apply for housing provident fund loans when purchasing self-occupied houses with normal housing provident fund deposits, and meets the conditions of commercial housing loans cumulatively, it may apply for converting commercial housing loans into housing provident fund loans (hereinafter referred to as business-to-business loans). The applicant for business transfer must be the borrower or property owner of the commercial housing loan.

2. Application materials

In addition to the information required for the current loan, you also need to provide:

(1), the original and copy of the commercial housing loan contract;

The loan balance certificate issued by the loan bank.

What is the loan amount?

The amount of loans transferred to the public shall be calculated according to the current regulations, and shall not exceed the principal of commercial housing loans that should be returned.

To sum up, the latest public accumulation fund transfer policy in Gansu Province is rich in content and relevant policies are very perfect. There are relevant responsible departments, which should be strictly implemented according to the policy.

Legal basis: Regulations on the Management of Housing Provident Fund

Ninth housing provident fund management committee in the housing provident fund management:

(a) according to the relevant laws, regulations and policies, formulate and adjust the specific management measures of housing provident fund, and supervise the implementation;

(two) according to the provisions of article eighteenth of this Ordinance, formulate specific housing provident fund plan.

(three) to determine the maximum loan amount of housing provident fund;

(four) approval of housing provident fund collection and use plan;

(five) to consider the housing provident fund value-added income distribution plan;

(six) the approval of the housing provident fund collection and use plan execution center shall perform the following duties:

(a) the preparation and implementation of housing provident fund collection and use plan;

(two) responsible for recording the deposit, withdrawal and use of employee housing provident fund;

(3) Be responsible for

(four) approved the withdrawal of housing provident fund.

(five) responsible for housing

(six) the preparation for the collection and use of housing provident fund.

(seven) to undertake other matters decided by the housing provident fund management committee.