1. What are the loan conditions of Xuzhou Commercial Transfer Provident Fund in 2022? 1. In 2022, the loan conditions of Xuzhou Commercial Transfer Provident Fund are as follows: (1) When applying for a loan, the borrower should continuously deposit the housing provident fund for more than 6 months, and his housing provident fund account is in a normal state of deposit, or with the approval of the housing fund management center of the central state organ, the paid employees are in a state of deferred payment, sequestration or retirement cancellation; (2) The borrower and his wife have no outstanding housing accumulation fund, individual housing loan and policy discount loan; (3) It meets other conditions stipulated by the Fund Center. 2. Legal basis: Article 25 of the Regulations on the Management of Housing Provident Fund, if an employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works 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. Second, what extraction materials are needed for the provident fund? 1. If the employee and the original unit have not been re-employed for two years, they need to provide an agreement or unemployment certificate to terminate the labor relationship with the original unit; 2. If the employee's personal account has been sealed for more than two years, he can no longer provide the resignation certificate, except that the personal account has been suspended due to the unit's failure to pay. Workers who continue to deposit housing provident fund in different places shall go through the transfer procedures in accordance with the relevant provisions of the transfer in different places.
2. Can commercial loans be converted into provident fund loans in Xuzhou?
Xu loan is converted into provident fund loan. The specific provisions are as follows: employees who meet the basic conditions of provident fund loans, for various reasons, did not use provident fund loans at that time, and after paying off the invoices for purchasing personal housing of commercial banks, personal housing loan contracts of commercial banks, mortgage registration cancellation certificates and housing evaluation reports, they can claim to repay the principal of personal housing loans of commercial banks in one lump sum within three months.
If the original seal of the commercial loan contract cannot be provided as proof.
3. Can commercial loans be converted into provident fund loans in Xuzhou?
It should be able to turn. But you can't apply until you have arranged your job and paid the provident fund for six months in a row.
4. Can Xuzhou turn from business to public in 2023?
Of course. Previously, in the case of low utilization rate of funds, commercial banks started the business of converting individual housing loans into housing provident fund loans in stages, with the aim of increasing the issuance of housing provident fund loans and facilitating the paid employees to use the housing provident fund to repay the house purchase loans month by month. In recent years, the city has increased the housing provident fund loans, increased the loan amount, the demand for funds has been increasing, and the utilization rate of funds has been continuously improved. According to the relevant provisions of the Business Specification for Fund Management of Housing Provident Fund issued by the Ministry of Housing and Urban-Rural Development, in order to ensure the stable and healthy development of various businesses of housing provident fund and prevent liquidity risks, we suspended the business of transferring part of the balance of personal housing loans from commercial banks to housing provident fund loans on the premise of starting to withdraw housing provident fund to repay personal housing loans from commercial banks on a monthly basis, referring to the practice of most cities in our province.