1, increase the maximum amount of provident fund loans. The circular pointed out that cities with housing provident fund loan rate below 85% should adjust and increase the maximum amount of housing provident fund loans in real time according to the housing price level and loan demand in the mainland, and eliminate unfair restrictions on determining the actual loan amount. In principle, the maximum loan amount shall not be less than 80% of the total amount of ordinary commodity housing loans. Workers with normal deposits can withdraw the housing provident fund once a year to pay the property management fee for ordinary self-occupied housing;
2. Promote off-site loan business. The notice requires that all localities should vigorously promote the loan business in different places and realize mutual recognition and transfer of housing provident fund deposits in different places. At the same time, in areas with high loan rate of private housing provident fund and shortage of funds, various ways should be taken to raise funds through discount, portfolio loans, public loans and short-term loans to meet the loan needs of employees.
3. Cancel the approval process. The circular specifically requires that all localities should further optimize their business processes, cancel the examination and approval process, shorten the governance time limit and improve work efficiency on the basis of safe and secure funds. Cancel the withdrawal of housing provident fund and deposit it in the audit link of employee units; Purchase new commercial housing, manage and withdraw housing accumulation fund to pay down payment business, and cancel the requirement for withdrawal of down payment receipt; Sealed employees who have reached the statutory retirement age can provide ID cards for retirement to withdraw housing provident fund business, and cancel the requirements for extracting materials for retirement certificates; Workers without housing withdraw housing provident fund to pay rent, except for identification, proof that they and their husband and wife have no housing, and no other supporting materials are needed. Employees apply for loans with complete information and complete the examination and approval within 10 days.
Provident fund loan process:
1. preliminary examination: the housing provident fund management center conducts preliminary examination of the materials submitted by the applicant, including the applicant's qualification, loan amount, loan period, etc. After passing the preliminary examination, the center will issue the Notice of Collateral Review and Evaluation;
2. Appraisal: The applicant holds the Notice of Collateral Examination and Appraisal to the appraisal institution designated by the Center to appraise the value of the purchased house. Affordable housing does not need to be evaluated;
3. Audit: The applicant will go to the center for loan audit with the evaluation report issued by the evaluation agency and the preliminary examination materials required by the center. Qualified, the center issued the "housing provident fund management center entrusted loan investigation notice";
4. Handling the guarantee procedures: The applicant shall handle the guarantee procedures according to the guarantee method chosen by himself with the Notice of Investigation on the Entrusted Guarantee Loan of the Housing Provident Fund Management Center. If mortgage guarantee is selected, the guarantor shall issue a written guarantee; If you choose mortgage insurance or third-party guarantee, you should apply for insurance in an insurance company or go through the formalities of entrusted guarantee in a guarantee institution;
5. Sign a loan contract;
6, housing fund management center and the entrusted bank loan agreement;
7. The borrower directly submits a loan application to the housing fund management center, and the entrusted industry can summarize the borrower's application according to the needs and submit it to the housing fund management center for approval;
8 housing fund management center approved the amount, duration and interest rate of each loan, and signed an entrusted loan contract with the entrusted bank.
To sum up, the Urumqi Housing Provident Fund Management Center upgraded its information system in an all-round way, which brought great convenience to the units and employees who paid the housing provident fund. After the new system goes online, employees can directly sign a monthly repayment agreement while issuing loans, and deduct the money normally in the next month, which shortens the time and reduces the number of trips of employees, and realizes the demand that employees can repay in large amounts during the implementation of the monthly repayment agreement.
Legal basis:
Article 1 of the Regulations on the Management of Housing Provident Fund
In order to strengthen the management of housing provident fund, safeguard the legitimate rights and interests of housing provident fund owners, promote urban housing construction and improve the living standards of urban residents, these regulations are formulated.
second
These Regulations shall apply to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC).
The term "housing accumulation fund" as mentioned in these Regulations refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units and social organizations (hereinafter referred to as units) and their employees.
essay
The housing accumulation fund paid by individual employees and the housing accumulation fund paid for employees by the unit where the employees work belong to individual employees.
Article 4
The management of housing provident fund shall follow the principles of decision-making of housing provident fund management committee, operation of housing provident fund management center, storage of special bank accounts and financial supervision.
Article 5
The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of owner-occupied housing by employees, and no unit or individual may use it for other purposes.
Article 6
The deposit and loan interest rate of housing provident fund is proposed by the People's Bank of China. After soliciting the opinions of the construction administrative department of the State Council, it is reported to the State Council for approval.