Second-hand housing loans to public two suites from tight

Need both spouses have not used Provident Fund (reporter Hu Jihuan intern Liu Yan) yesterday is "second-hand housing loans can also be transferred to the public" implementation of the first working day. The reporter learned from the Wuhan Provident Fund Management Center that there are already impatient citizens to apply to the bank for transfer and loan.　　However, many families have been denied applications for the use of Provident fund to buy a house.　　Huang Xiao, who lives in Hankou Road, told reporters that he and his wife bought a house before marriage, their own provident fund, has been settled; the wife bought second-hand housing is used by the commercial loans, now want to wife that set into Provident Fund loan, should be in line with the "Department of the first use of Residential Provident Fund loan" requirements, but the bank refused his application for transfer of loans. In this regard, the Wuhan Provident Fund Center explained that the second suite of loans from tight policy, is the general direction of the State regulation, both spouses as members of the same family, as long as one party has used a provident fund (including premarital), then buy the house, whether the use of Provident fund or business loans, as long as the Provident Fund loan system has recorded,　　will be considered as the second suite and refused to transfer loans.　　However, this restriction is currently only used in second-hand housing transfer loans, if the original Provident Fund loans to pay off, can still apply for a provident fund to buy a house. In addition, the question of "Banks unwilling to lift commercial loan contracts for second-hand housing", as reflected by more people, the center said that the problem also exists in the new home loan "business to the public", but because the bank and the individual loan contract is the reciprocal rights and obligations of both parties are bound, the dissolution of the contract must be consensual. If a citizen buys a house in consideration of the possibility of converting a business loan into a provident fund in the future, it is best to clearly state the relevant provisions when signing a loan contract with a bank, or to seek out bank loans which are more compatible with the Provident Fund requirements, so as to avoid future problems.