Offsite Housing Provident Fund can be transferred to Shenzhen

Because Shenzhen has not had a housing Provident fund for many years, before many in the deep units for employees in Guangzhou and other off-site housing Provident Fund, the future will be able to transfer to Shenzhen to continue to implement. Shenzhen's Housing Provident Fund system started in Friday, the Shenzhen Construction Bank, CMB and BOC 3 successful banks began to carry out related business.　　But the public most concerned about the Provident Fund loan is still not available, it will wait until next June. Although Shenzhen is the only city in China for many years has not set up a standardized Housing Provident Fund system, but there are nearly 10,000 units 110,000 people in social Security pay Housing Provident Fund, Shenzhen Construction Bank for 142 units and more than 43,000 employees for Provident Fund collection, the cumulative amount of more than 6 billion yuan.　　"Shenzhen Construction Bank related officials, the History of Housing Provident Fund business units and employees have been mainly in the social Security and Construction Bank deposit, and enjoy the state Housing Provident Fund Tax relief policy." The upper limit is higher than the national standard and after the new system is implemented, the concession will cover the rest of the general public. At present, BOC will be in the existing business outlets selected 34 outlets as Provident Fund business outlets, for the public to deal with the deposit, extraction, information changes, account transfer, storage, unsealed and other business. CCB has also identified 35 branches as Provident Fund collection processing outlets.　　ICBC Shenzhen Branch set up "Housing Provident Fund Financial Services implementation of the leading group", and set up specialized agencies to do a good job Housing Provident Fund business. It is understood that in the proportion of the country, the majority of cities nationwide to implement the provisions of the national 5%-12%, and Shenzhen implementation of 5%-20% of the deposit ratio, the upper limit is higher. In terms of withdrawals, most cities do not have the Housing Provident Fund provisions, Shenzhen Housing Provident Fund Center increased rental support for the relevant provisions.　　At the same time, the implementation of the online Declaration, collection, support and other characteristics of services. Housing Provident Fund Loan next June or for Provident Fund loan interest rate People's bank has a clear stipulation, the current interest rate is: five-year (including) below 3.87%, five-year 4.05%. 2 percentage points lower than the average housing loan rate.　　According to the calculation, with a period of 30, the amount of 500,000 yuan in housing loans as an example, Provident Fund loans than ordinary loans can save about 230,000 yuan interest in loans. Previously, some units and employees have paid the Housing Provident Fund, but the payment is mainly limited to the deposit and extraction, can not be used for loans. After the implementation of the new system, CCB, BOC and CMB have developed a commercial loan into Provident Fund loans, Shenzhen Housing Provident Fund Management Center will be combined with the actual situation in Shenzhen to introduce the relevant rules for the bank operation. For the units in the deep in the former staff in Guangzhou, including in the Off-site Housing Provident Fund, can be transferred to the Shenzhen bank to continue to implement.　　But at present, three banks have not yet launched Housing Provident Fund loan business, it is revealed that the business will be introduced next June, the specific matters have not been determined. -Bank combination loan to make up for the shortfall currently 3 banks also to the Provident Fund-CommercialThe combination loan has formulated the corresponding method, aimed at handling the combination loan, the Provident Fund support, the Start-up Provident Fund joint card and the salary individual will give the most preferential rate.　　According to the current provision of Housing Provident Fund loan portfolio Scheme, one can handle Housing Provident Fund loan replacement before commercial loans, the second is in the Housing Provident Fund loan quota can not meet individual needs, provide supporting commercial loan support, and in the banking authority to give a certain interest rate concessions. According to Shenzhen's current level of housing prices, Provident Fund loans can not be fully satisfied, so the bank suggested that the City Provident Fund Center in accordance with the Provident Fund deposit period, the amount of personal credit level and other indicators to determine the amount of Personal Provident Fund loans. As the Housing Provident Fund Loans for Low-interest loans, the bank advised the public to take up the quota as far as possible, and secondly, in the purchase of housing, can withdraw the personal Housing Provident Fund account funds for the first payment and loan principal and interest; Finally, the Housing Provident Fund loan insufficient part, may apply for the housing mortgage loan Due to the registration of mortgage and other formalities, the proposal to the Public Provident Fund loans and commercial loans as far as possible in a bank to obtain the best price. (Xu Weichang)