"Business-to-Business Loan"
Hot questions answered
Regarding the objects and conditions of the application for business transfer
1. Is it still an interest-subsidized loan for flexible employment deposit in urban areas, and can flexible employment deposit in other places be transferred from business to business?
Answer: Among the employees who have paid for flexible employment, those who have already applied for subsidized loans cannot convert the subsidized loans into provident fund loans for the time being; If a commercial loan has been applied for and meets the conditions for a business-to-public loan, the commercial loan can be converted into a provident fund loan.
Employees (including flexible employment) who meet the conditions of the provident fund loan and whose housing purchased by the commercial loan is located in the administrative area of Zhengzhou, and the commercial loan has not been settled, can apply for a business-to-public loan.
2. Can the real estate in the county be transferred from business to public in the urban area?
Answer: The housing in the county needs to go to the real estate department of the county to handle the mortgage of the house, so the housing in the county should go to the county housing provident fund office hall to handle the business transfer business.
3. Now that the spouse is the co-owner of the property, can the spouse be the main borrower to apply for business transfer?
Answer: When two conditions are met, the main borrower can be changed to apply for business-to-business: first, when applying for a business-to-business loan, the name of the spouse or co-owner is on the house book, and second, the spouse or co-owner is one of the mortgagors when the commercial loan is mortgaged.
4. Will the tenure of the provident fund loan refer to the remaining term of the original commercial loan? Is the loan tenure re-determined according to the CPF loan policy?
Answer: When applying for a business-to-public loan, the remaining term of the original commercial loan is not referred to, and the term of the provident fund loan is determined, and the loan term is re-determined in accordance with the provident fund loan policy.
5. Can the real estate loan after the divorce of the husband and wife be transferred from business to business?
A: If the borrower of a commercial loan is not the owner of the property in question, he or she cannot convert the original commercial loan into a provident fund loan. There is no housing transaction in the property separation, the new property owner does not need to apply for a personal housing loan, and the original commercial loan borrower has lost its property rights and cannot use other people's real estate to provide mortgage security, so it cannot handle the business of business-to-public loan.
6. Can the notarial certificate be transferred to the agent for the company?
Answer: The provident fund loan procedures can be handled with a notarial deed, and the business of commercial loans should be consulted with the original loan issuing bank.
7. Can the second-hand housing in Zhengzhou that has not been supervised by funds be transferred from business to business?
Answer: When there is a compliant second-hand housing sales contract and a supporting commercial loan contract, if you meet the application conditions for business-to-business, you can apply for business-to-business loan.
8. After the provident fund loan part of the portfolio loan is settled, can the commercial loan part apply for business transfer after there is no provident fund loan that has been repaid?
Answer: Portfolio loan families have already included provident fund loans in the same loan for the same set of properties, and enjoy the preferential policies of provident fund, and the commercial loan part can no longer apply for business-to-public loans.
9. Can the deposited employees of the Yellow Committee and Zheng Coal Group be transferred to the public through negotiation?
Answer: Employees who have paid into the housing provident fund and meet the application conditions for business-to-public loans can apply for business-to-public loans.
10. Can active-duty soldiers apply for municipal direct business transfer?
Answer: Active-duty military personnel cannot apply for Zhengzhou housing provident fund loans as the main borrowers, but when their spouses meet the conditions for provident fund loans and the house can be mortgaged for provident fund loans, they can handle business-to-public business.
11. If the main borrower of a commercial loan is directly deposited by the province and the spouse is directly deposited by the city, can the co-owner apply for the transfer of the business directly from the city?
Answer: Employees who are not paid into the Zhengzhou Municipal Housing Provident Fund can apply for business-to-public loans when they meet the application conditions for business-to-public loans.
12. If the husband and wife transfer the man's commercial loan to the woman is also a commercial loan, the original purchase contract is the man, and the woman applies for the transfer of the business, is there any impact on the purchase contract of the man in the required information?
Answer: When two conditions are met, you can apply for business-to-business: first, when applying for a business-to-business loan, the woman's name is on the house book, and second, the woman is one of the mortgagors when applying for a commercial loan.
13. If the child's property has not been paid into the provident fund, and the co-owner of the house is the parents, can the parents apply for the commercial transfer of the property?
Answer: When two conditions are met, the main borrower can be changed to apply for business-to-business: first, when applying for a business-to-business loan, the name of the co-owner is on the house book, and second, the co-owner is one of the mortgagors when applying for the commercial loan mortgage.
14. If the account has been transferred from Beijing to Zhengzhou for deposit, and there is no interruption in the middle, can I apply for business transfer to business?
Answer: When applying for a business-to-business loan, as long as you meet the conditions of the Zhengzhou Housing Provident Fund loan and other conditions of the business-to-business loan, you can apply.
15. If the provident fund and social security are not paid by the same unit, can they handle the "business to business"?
To handle the "business to business" business, social security and provident fund are required to be paid by the same unit, if not, it cannot be handled temporarily.
16. The husband has paid the provident fund, but the wife has not paid the provident fund, but the house is in the wife's name, can the "business to business" be handled?
In the above case, if you want to handle the "business-to-business" business, you need to meet two conditions at the same time: first, when you apply for a business-to-business loan, your husband's name is on the house book; Second, when applying for a commercial loan mortgage, the husband is one of the mortgagors.
17. I have a house, which is a commercial loan, and my fiancée has a house, which is a provident fund loan.
In this case, it is not possible to handle the business to business. A family can only have one CPF loan to repay in the same period of time, and cannot apply for a CPF loan again before the last housing provident fund loan is settled.
18. The part of the personal provident fund will be deducted from the salary every month, but the part belonging to the unit has not been paid for a long time, can the "business to business" business be handled?
The prerequisite for handling the "business-to-business" business is that the applicant has met the requirements of continuous normal provident fund contribution for more than 6 months, and if it does not meet this condition, it cannot be handled. If the unit has applied for deferred payment at the provident fund center, it will not affect the applicant's application for provident fund loans, and if the unit does not apply for deferred payment, it will affect the employee's handling of provident fund loan business.
19. For real estate in the county, the original commercial loan bank is the contracted bank in the urban area, why can't the business be transferred to the public in the form of direct repayment?
Answer: the direct repayment of funds provided by the contracted bank can only receive the transfer of funds from the same system bank, the county and urban provident fund loan trustee bank and the real estate registration department are not the same, if the commercial loan bank and the place of purchase are not in the same administrative region, when the provident fund direct repayment method is selected to handle the business transfer to the public, due to the inability to transfer inter-bank transfer and inconvenient transmission of mortgage materials, the direct repayment method cannot be used to handle the business transfer business, and the center and the relevant departments will find a solution to the problem before making a decision.
About the business-to-business conversion method
1. The method of repaying first and then repaying the loan requires that the commercial loan be settled within 15 working days after the approval of the provident fund loan, but the commercial loan settlement must be made in advance, how to grasp the time of the provident fund loan? What is the appropriate date for the settlement of a commercial loan? Does the 15 working days settlement of a business loan be based on the date of repayment or the date of issuance of the settlement certificate? What if you don't have enough time?
Answer: If you meet the application conditions for business-to-business loan, you can complete all the procedures for the provident fund loan on the day of applying for the business-to-business loan. The applicant can agree with the commercial loan bank to settle the commercial loan before applying for the provident fund loan in combination with the appointment date of the business-to-business loan.
15 working days is counted from the date of signing the CPF loan contract. If the commercial loan is not settled within 15 working days and the original housing mortgage registration is lifted, the business of business-to-public loan can be postponed.
2. The original commercial loan bank is a provident fund business-to-public contracted bank, and the co-owner is the main borrower to apply for the provident fund loan, can it be repaid directly?
Answer: If the borrower is changed and the direct repayment method is used, the original lending bank should be informed of the change in advance and the consent of the bank should be obtained to ensure that the original commercial loan can be settled smoothly and the release procedures can be correctly issued.
3. Why should the provident fund loan amount be at least 10,000 yuan lower than the balance of the commercial loan?
It takes a certain amount of time for a CPF loan to be disbursed from approval, mortgage registration to disbursement. In order to avoid this phenomenon, it is stipulated that "the balance of the provident fund loan should be lower than the balance of 10,000 yuan of the commercial loan", and if the balance of the commercial loan is particularly high, there is no need to consider this problem.
On the banking side
1. In addition to the 21 designated banks, will other banks join the "business-to-business" business in the future?
The Zhengzhou Housing Provident Fund Management Center will continue to mobilize and invite more commercial banks to sign contracts for the "business-to-business" business. At present, other banks have contacted and communicated by telephone, expressing their willingness to sign the "business to business" business. If there are new contracted banks, the provident fund center will announce them in a timely manner.
2. What should I do if the commercial loan bank and the provident fund loan trustee bank are not the same bank?
In order to support the depositing employees to use the direct repayment method to handle the business-to-business business-to-business business, the provident fund center has invited 21 business trustee banks to sign a business-to-business loan cooperation agreement through business partnerships. Other banks do not have a business partnership with the provident fund center, and can voluntarily sign a contract to transfer business to the public, but the provident fund center cannot force it to sign a contract. Commercial loans that are not issued by the contracted banks can be converted by first exchange and then loan. The Provident Fund Center welcomes more commercial bank signatories to transfer business, and if there are new contracted banks, the Provident Fund Center will announce them in a timely manner.
3. Which bank does the 21 contracted bank branches and sub-branches refer to?
Answer: In the list of contracted banks for business to business, there is the full name of the contracted bank. You can go to the branch of the original commercial loan issuing bank to consult the relationship between the branch and the sub-branch.
Reservations and business processing
1. The online reservation is full, can I make an appointment in the offline hall? Is there a site number?
Answer: For those who cannot make an appointment online, there is an on-site number in each office hall, or they can make an appointment on the spot to register, and then handle it according to the appointment time.
2. What is the specific time for each hall to make an appointment every day?
A: The number will be released at 7:00 a.m. every day on normal working days.
3. I have made an appointment to review the application materials for "business-to-business loan" on site, but I need to make an appointment again after completing the materials due to lack of materials?
A: There is no need to make another appointment on the day.
4. After the approval of the provident fund loan, within 15 working days, it is necessary to provide the commercial loan settlement certificate and the "Certificate of Real Estate Registration Information Inquiry Result" to the provident fund center.
A: No appointment is required, please submit it directly to the corresponding window.
5. When making an appointment on the "Zheng Haoban" APP, why does it always show that the appointment is full? Can we set more places every day?
Answer: In view of the recent problems such as the large demand for the "business-to-public loan" business and the difficulty of making an appointment to get a number, the provident fund center has taken measures to increase the delivery of appointment numbers, extend the service time, and alleviate the pressure of the masses. At present, the provident fund center has a total of 20 office halls can handle business to public loan business, from May 9, the provident fund office hall has increased the "Zheng Haoban" APP "unified appointment" section of the appointment number, from May 8 to May 15, each office hall will take a delay service, according to the "business to public loan" business acceptance, the afternoon working hours can be extended to 19:00. At the same time, additional staff will be dispatched, and the layout of personnel positions will be reasonably adjusted to improve work efficiency.
Tips
1. According to the preliminary calculation and recent consultation and registration, the provident fund "business-to-public loan" has sufficient funds, and the public is requested to handle it in an orderly manner.
2. The "business to business" business has just been opened, and there are many people who apply for and consult, and most of the online appointments are consultation appointments, which occupy the number of appointments. The public is reminded to understand the specific policies and procedures first, and then make an online appointment after preparing the application materials.
3. The consultation public does not need to make an appointment online, and can directly consult on the spot at the service desk in the office hall, or call the "12329" service hotline for consultation.
4. Those who cannot make an appointment online can also make an appointment on the spot to register, and then handle it according to the appointment time.
5. The provident fund center has a total of 20 office halls in the municipal affairs service center to handle business-to-public loan business, and the public can apply for business-to-public loans according to the administrative area where the house is located.
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Zhengzhou Housing Provident Fund