Article 1 In order to further standardize the management of commercial individual housing loans to housing provident fund loans, these Provisions are formulated in accordance with the Regulations on the Administration of Housing Provident Fund, the Detailed Rules for the Implementation of the Management of Housing Provident Fund Loans in Huai 'an, the Business Norms for Individual Housing Provident Fund Loans and the Business Norms for the Management of Housing Provident Fund Funds.

Article 2 These Provisions shall apply to the administration of transferring commercial individual housing loans to housing provident fund loans (hereinafter referred to as business-to-public loans) within the administrative area of this Municipality.

Article 3 The term "commercial-to-public loan" as mentioned in these Provisions refers to that the depositor of the housing accumulation fund in our city (hereinafter referred to as the borrower) has purchased self-occupied housing within the administrative area of this Municipality, and has applied for a commercial personal housing loan (hereinafter referred to as commercial loan) and has not yet settled it. Under the premise of meeting the conditions of housing provident fund loans in our city, his commercial loans were converted into housing provident fund loans.

Article 4 Huai 'an Housing Provident Fund Management Center and its branches (hereinafter referred to as the Provident Fund Center) shall be responsible for the specific business of transferring commercial loans to public.

Chapter II Beginning and Termination of Loans

Article 5 In order to prevent and control the liquidity risk of housing provident fund funds and ensure the safe and orderly operation of funds, a dynamic start-stop mechanism shall be implemented for commercial-to-public loans in combination with the proportion of individual loans of housing provident fund in our city.

(1) startup conditions

1. When the personal loan interest rate drops from more than 95% to 85% (inclusive) -95% and lasts for 3 months, you can start the business of buying the first set of self-occupied housing and applying for the housing provident fund loan for the first time;

2. When the personal loan ratio drops from 85% (inclusive) -95% to below 85% and lasts for 3 months, start all business-to-business loan businesses.

(2) Suspension conditions

1. When the personal loan interest rate rises from below 85% to the range of 85% (inclusive) -95% and lasts for 3 months, the business of purchasing a second self-occupied house or applying for a housing provident fund loan again may be suspended;