广西区直住房公积金8月1日起恢复商转公贷款业务

Core Points - The Guangxi District Housing Provident Fund Management Center announced the resumption of commercial personal housing loan conversion to housing provident fund personal housing loan services starting from August 1, 2023 [1] - The conversion process requires prior appointment through the center's WeChat public account [1] Summary by Categories Conditions for Conversion - Borrowers must have the original commercial loan bank's consent for early repayment [1] - Borrowers must have contributed to the housing provident fund at the time of home purchase [1] - Borrowers must have made continuous and sufficient contributions to the housing provident fund for at least 6 months prior to the loan application, with at least 3 months of contributions before the application date [1] - The original commercial loan must not be settled, and borrowers must have made timely repayments for at least 12 months without overdue records [1] - The property must be located within the urban area of Nanning and must have a property ownership certificate [1] - The property can only have the original commercial loan bank's mortgage registration without other encumbrances [1] - Borrowers must meet additional requirements set by the center [1] Dynamic Management of Loan Services - The commercial loan conversion service will be dynamically managed based on the center's individual loan ratio and liquidity [2] - If the individual loan ratio reaches or exceeds 90%, the service will be suspended for new appointments starting the following month, but previously accepted applications will still be processed [2] - If the individual loan ratio remains below 80% for six consecutive months, the service can resume appointments starting the following month [2]