Wenzhou Commercial Loans Can Be Pferred To Provident Fund Loans
When buying a house, there is no housing fund to enjoy, or for various reasons, it has to choose commercial loans.
Many buyers may have encountered this kind of "helplessness".
From November of this year, buyers of commercial loans in Wenzhou can pfer commercial loans to provident fund loans if they meet the requirements.
The maximum loan is 500 thousand yuan. At the end of last year, Mr. Zhang saw a set of second-hand housing valued at about 800000 yuan. Because of the limitation of provident fund loan amount, he chose a commercial loan of 550 thousand yuan and paid off in 20 years.
Mr. Zhang paid 3900 yuan a month, and the loan balance was over 53 yuan a year.
He calculated an account. If he had started a provident fund loan, he could pay 500 yuan less interest per month in accordance with the current interest rate.
The accounts that could only be accounted for now are now being turned into reality.
The day before yesterday, the Wenzhou housing provident fund management center revealed that since November this year, workers who meet the relevant conditions in the city can apply for the conversion of commercial loans to provident fund loans.
Workers with a loan term of more than 5 years can enjoy 3.825% of the provident fund loan interest rate; the total loan amount is up to 500 thousand yuan.
Zhu Qinghua, deputy director of the Wenzhou housing provident fund management center, told reporters yesterday afternoon that if he wanted to handle the loan business, he must comply with the relevant provisions of the "implementation measures for the management of individual housing provident fund loans in Wenzhou", including the normal payment of provident fund 12 months before the application for loan, and the loan amount should not exceed the balance of commercial housing loans (more than 1000 yuan or more). The time limit for the handling of commercial loans by employees must also comply with the relevant provisions of the relevant time limit for provident fund loans at that time.
In fact, as early as this year, Wenzhou housing provident fund management
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