Guangzhou Housing Provident Fund Management Center "Shuang 1 1" presented a great gift to the buyers. From 1 1, the proportion of subsidized provident fund loans to total loans shall not be greater than 50%. As long as it is a portfolio loan, you can apply for a discount provident fund loan, and other loan conditions remain unchanged. According to industry analysis, this will bring good news to property buyers who have higher provident fund loans and do not need to borrow too many commercial loans.
However, the difficulty of applying for provident fund loans has also increased. The new policy 1 65438+1October1issued by Guangzhou Housing Provident Fund Management Center has been implemented. The New Deal has made many provisions on the credit information and income of provident fund loan applicants, which has aroused the doubts of many property buyers. To this end, the department recently issued the "Notice of Guangzhou Housing Provident Fund Management Center on Strengthening the Risk Management of Housing Provident Fund Loans" to answer the doubts of loan applicants. Because the New Deal for Provident Fund Loans has strict regulations on the time to pay the provident fund, you need to pay it monthly to qualify for provident fund loans, and many units pay the provident fund for two to three months a month for accounting and other reasons, which may lead to the disqualification of those who intend to apply for provident fund loans. Therefore, in June 1 10, the municipal housing provident fund management center issued the supplementary notice on strengthening the risk management of housing provident fund loans, giving a buffer period of half a year. The requirements of the new policy on provident fund loans on the deposit time of provident fund will not be implemented until June 20 17 and May 17.
Some insiders believe that some loan buyers may turn to housing commercial loans, because the credit review of provident fund loans is stricter than that of general commercial loans, and because some people's provident fund deposit base is low. Regarding the dispute over the time of deposit of the provident fund, the provident fund center responded to public opinion in time and gave a half-year buffer period, which solved the troubles of many prospective provident fund lenders.
2. We should adopt new rules for credit reporting, and try to divide the capital turnover on different credit cards.
As the saying goes, "ten cups and nine covers", some people have problems with cash flow and will take turns to overdraw cash flow with multiple credit cards. This operation is particularly necessary today when the provident fund strengthens the credit review of loan applicants.
The Provident Fund Center is answering "Is the determination standard of cumulative overdue times calculated by the longest overdue time of a single credit card or by the cumulative overdue times of multiple credit cards?" "Is the determination standard of cumulative overdue times calculated separately by loan type or by combining multiple loan types?" Give a clear answer, the number of overdue and loans overdue are based on single card and single loan. Take credit card overdue repayment as an example. There are three credit cards in a person's name, which are overdue five times, three times and two times in two years. Since the number of overdue single cards has not accumulated to 6 times, the loan applicant is still eligible to apply for housing provident fund loans. Taking the repayment in loans overdue as an example, employees handled consumer loans, student loans and housing loans at the same time, with loans overdue spending five periods, loans overdue spending 1 period and loans overdue spending three periods. Is it counted as 6 overdue periods? Or is it counted as a cumulative overdue of 9 issues? Can I still apply for a loan? The Provident Fund Center replied that the cumulative overdue times are calculated separately according to a single loan. If there are multiple loans, the overdue periods are not combined. The above-mentioned employees can apply for loans if each loans overdue does not exceed 6 installments.
3. Countermeasures for new income regulations: the monthly payment of provident fund and commercial loans is calculated separately.
At present, the deposit base of unit provident fund in most private enterprises is lower than the monthly income of employees, while the deposit base of other welfare units is higher than the monthly income of employees. Under the new rule that the provident fund does not recognize the proof of income, does the employee need to cover twice the total amount of the provident fund and the monthly commercial payment when applying for a portfolio loan? This issue is the most concerned issue for provident fund loan applicants.
To this end, Guangzhou Housing Provident Fund Management Center gave the final answer-when employees apply for loans, the monthly repayment amount of loans should not exceed 50% of family income. Monthly repayment amount is only calculated as the monthly repayment amount of provident fund loans. (that is, the deposit base/salary can cover twice the monthly payment of provident fund loans. In addition, if the owner or spouse of * * * pays the provident fund in Guangzhou Housing Provident Fund Management Center, the payment base/salary can be included in the total family income. Add a real estate master/spouse data entry window in the loan system application entry interface. If you need to increase the income of the property owner/spouse, you can enter the ID number of the person you want to increase here, and the system will automatically read its deposit base/salary. * * * If the same property owner and spouse are not borrowers, the number of provident fund loans will not be counted. However, if the spouse or property owner deposits the provident fund in a different place, the deposit base can be included in the income unless the employee who deposits in a different place is the borrower. If you are not a borrower, but a spouse or real estate owner, your deposit base is not included in family income.
Under the new rules of provident fund loans, there will be two sets of monthly payment calculation methods for provident fund discount loans and provident fund portfolio loans, and the income shown by the provident fund deposit base must be at least twice the monthly payment of provident fund loans; Commercial loans still need to issue personal income certificates, and personal monthly income should at least reach twice the monthly payment of commercial loans. Although the deposit base of provident fund is only meaningful to the monthly payment of provident fund, it in turn has a binding effect on the loanable amount of provident fund.
For example, if a person pays for a long time, but the base of payment is low, the provident fund account has accumulated a considerable balance. According to the loanable formula of provident fund, the loanable amount of the provident fund of this loan buyer could have reached 600,000 yuan, but due to the low deposit base, it was not enough to cover the repayment of the monthly provident fund loan of 600,000 yuan, which means that the provident fund lender could not lend in full.
4. Impact of new regulations on provident fund: transfer to commercial loans or increase.
Zheng Dayuan, the person in charge of housing guardian mortgage, believes that before the introduction of the new regulations on provident fund loans, some units paid very abnormally, and even many customers temporarily paid loans and stopped paying after the loan was completed. The New Deal raised the threshold for loans, which naturally increased the difficulty of exploiting loopholes. In addition, for those property buyers whose credit information does not meet the requirements of provident fund loans, they are forced to switch to housing commercial loans, because the requirements of housing commercial loans on loans overdue and credit card overdue are not so strict, and they can pass more overdue times. He is processing a client's application for provident fund loan. This person's unit and provident fund deposits are very good. However, due to the one-month provident fund entry time, he almost lost the qualification for provident fund loans. Later, according to the spirit of the Supplementary Notice, this customer successfully obtained the qualification of provident fund loan.
Related links: Guangzhou portfolio mortgage can apply for provident fund concessions, which can be handled by 7 banks.
Cancel the restriction that the proportion of provident fund loans in portfolio loans should not be greater than 50%, and portfolio loans can apply for discount in the future.
After increasing the amount of 5 billion provident fund discount loans, Guangzhou Housing Provident Fund has made another move to meet the needs of employees applying for discount loans. The reporter learned from the insiders of the mortgage industry yesterday that the Guangzhou Housing Provident Fund Management Center has issued an internal notice. Since yesterday, the proportion of subsidized provident fund loans to the total loans should not be greater than or equal to 50%, which means that as long as it is a portfolio loan, you can apply for subsidized provident fund loans, and other loan conditions will remain unchanged for the time being.
"The Provident Fund Center has held a meeting to inform the undertaking bank of the latest policy, and it is expected that the approval of discount loans will be accelerated in the future." Zheng Dayuan, general manager of Dayuan mortgage, revealed that correspondingly, the approval speed of pure provident fund loans may slow down in the future.
There are seven banks that can provide loans.
Last month, the new 5 billion yuan discount loan quota of Guangzhou Provident Fund officially landed after the "Golden Week", which will be used for applications from August this year to July next year, a substantial increase from the original 5 billion yuan quota of the previous year. At the same time, Guangzhou Provident Fund Center also announced the addition of four banks to undertake housing provident fund discount loan business. On the basis of China Construction Bank Guangdong Branch, China Bank Guangdong Branch and Guangzhou Rural Commercial Bank, four banks, namely China Industrial and Commercial Bank Guangdong Branch, China Agricultural Bank Guangdong Branch, China Bank of Communications Guangdong Branch and China Guangfa Bank Guangzhou Branch, have also become new banks.
Guangzhou subsidized provident fund loan was officially launched on June 26th last year 10. According to the principle of "pay first and then post", the borrower repays the loan principal and interest according to the commercial housing loan interest rate, and then the difference between the commercial loan interest and the provident fund loan interest is used as a discount, and then the provident fund center entrusts the undertaking bank to transfer it to the borrower's repayment account at the next month's repayment, and the part where the commercial loan interest rate exceeds the national benchmark loan interest rate will not be subsidized. In terms of loan methods, it is necessary to go through the preliminary examination of the bank, scan and upload the information to the provident fund center, and then conduct examination and approval.
According to the information previously disclosed by the provident fund center, the provident fund center will evaluate the policy before each year. When the loan-to-deposit ratio of the provident fund is higher than 80%, the subsidized provident fund loan can be started, and once it is lower than 75%, the subsidized provident fund loan will be stopped. However, after the introduction of the discount policy for provident fund loans, the amount of provident fund loans was obviously relaxed, and the policy was welcomed by the public. Therefore, even if loan-to-deposit ratio's indicators are satisfactory, the Provident Fund Center will continue to offer subsidized provident fund loans this year.
Discounted loan business increased
As a policy of facilitating the people and benefiting the people, after the introduction of the discount loan for provident fund, the business volume showed a steady growth trend. In March this year, after a period of trial, Guangzhou adjusted the application conditions for subsidized provident fund loans, stipulating that the proportion of newly applied subsidized provident fund loans to the total loans should not be greater than or equal to 50%, and other application conditions were the same as before. And provident fund loans account for more than 50% of the total loans, you can apply for ordinary provident fund portfolio loans. This means that if a citizen wants to apply for a provident fund discount loan of up to 600,000 yuan for a single person, the total loan amount must be above 6.5438+0.2 million yuan, and if he wants to apply for a provident fund discount loan of up to 6.5438+0.2 million yuan for two people, the total loan amount must be above 2 million yuan. The introduction of the new policy yesterday also announced the end of this adjustment policy.
Fail to deposit continuously or get into trouble.
In addition, Guangzhou Housing Provident Fund Management Center also issued a supplementary notice on strengthening the risk management of housing provident fund loans this week. According to the notice, as of June 5438+065438+1 October1day, for employees who have set up housing provident fund accounts for less than 6 months (inclusive) when applying for housing provident fund loans, the provisions of the third point of the Notice of Guangzhou Housing Provident Fund Management Center on Strengthening the Risk Management of Housing Provident Fund Loans are strictly implemented, and the housing provident fund loans have not been continuously paid in the last 6 months.
At the same time, during the period from 165438+ 10 to 20 1 April 30, 7 (inclusive), employees who have set up housing provident fund accounts at the time of applying for housing provident fund loans and paid them continuously for more than 6 months shall be paid according to June 65438+/kloc-0. From May 65438, 2065 438 to May 2065438 1 day, all employees (except school staff) shall strictly implement the provisions in the third point of the Notice.
In addition, in view of the special circumstances of the school's statutory winter and summer vacations, if the school staff pay the housing provident fund in advance or late during the winter and summer vacations, it will be regarded as continuous payment after payment, and the unit does not need to issue a payment certificate.
The above dates are based on the time when the housing provident fund loan application is entered into the loan management system of the provident fund management center.