Ms. Huang was able to apply for housing provident fund loans quickly, thanks to the joint business of housing provident fund personal housing loans (including portfolio loans) implemented in Guangxi this year. In March of this year, Guangxi took the lead in piloting new business models in cities such as Guigang and Hechi, where housing provident fund services are better. According to the design objective, it will take no more than 65,438+00 working days from loan acceptance to mortgage settlement. ?
The relevant person in charge of the Housing and Urban-Rural Development Department of the Autonomous Region introduced that before the implementation of the housing provident fund joint loan business, individuals applying for housing provident fund loans need to go through the approval of the provident fund center, then go through the approval and signing procedures with commercial banks, and finally go through the mortgage registration with the real estate registration agency. The original process only takes 10 working days for the approval process in the provident fund center, and it takes more than 15 working days for the real estate registration agency. The whole loan process takes as little as one or two months and as much as three or four months. The materials that ordinary people need to submit are also repeated.
In view of this situation, the Housing and Urban-Rural Development Department of the Autonomous Region organized the Natural Resources Department of the Autonomous Region, various provident fund centers, some commercial banks, etc. In February this year, several pilot symposiums on housing provident fund loans were jointly held. Starting from the problems reflected by the masses, such as "complicated materials, long time-consuming and repeated trips", the housing and urban-rural construction department has deeply discussed how to accelerate the reform of "simplifying administration and decentralization, strengthening supervision and improving services", promote the "one-stop" reform of housing provident fund loans, and integrate housing provident fund, commercial banks and real estate registration.
In March this year, Guangxi took the lead in piloting a new business model in Guigang City and Hechi City, where housing provident fund services are better. ?
Zeng Zaiwang, director of Guigang Housing Provident Fund Management Center, said that in the past, it was time-consuming and laborious for employees to run the provident fund center and commercial banks to handle portfolio loans. After jointly handling the pilot project, Guigang Provident Fund Center signed a cooperation agreement with commercial banks, requiring bank personnel to be stationed in the housing provident fund service hall, responsible for the preliminary examination of loan business and the acceptance of portfolio loans, and collecting all materials at one time, thus achieving the goal of "only entering one door, only receiving one set of materials, completing one stop and running at most once" and avoiding "traveling by boat". ?
Since the implementation of the housing provident fund loan joint office in Guigang City, it has not only facilitated workers, but also reduced the burden on enterprises. Guigang Provident Fund Center has approved 647 individual housing loans for housing provident fund, and the average time limit from loan acceptance to mortgage settlement has been reduced to 8.5 working days. The counties (cities, districts) under its jurisdiction have realized the joint operation of loan business.
Nong Xiao Juan, a native of Guigang, is the sales manager of Shi Sheng He Yue Building of Guangxi Xiaolong Group. She needs to help the buyer with the loan formalities every day. "Before dealing with portfolio loans, we must get the loan contract back and stamp it on the developer. Due to many procedures, business personnel often need to work overtime to help customers prepare loan information. " Nong Xiao Juan told reporters that after the CPF Center signed a business cooperation agreement with the developer, it was no longer necessary for the sales staff to sign loan contracts with installment guarantee one by one, which not only reduced the workload and shortened the processing time of customers' loans, but also facilitated the rapid withdrawal of funds and ensured the normal operation of the company's funds. ?
Since Hechi City launched the joint business of housing provident fund loans, the average completion time is 6 working days. As of August 28th, the city issued 862 loans, a year-on-year increase of 20.07%. The loan amount was 295 million yuan, a year-on-year increase of 65,438+07.87%, and the efficiency of examination and approval was greatly improved.
Liang Wenbao, deputy director of Hechi City Housing Provident Fund Management Center, said that the data sharing interface between the center and public security, civil affairs, real estate and other departments is currently under development. It is expected that data interconnection will be realized by the end of September this year. At that time, personal identity, marriage, house purchase and other information will be automatically verified, further improving the linkage efficiency of provident fund loan business. ?
At present, according to the pilot requirements, Guigang and Hechi can not only achieve the goal of no more than 10 working days from the acceptance of provident fund loans to the settlement of mortgage loans. It also provides a replicable and scalable pilot experience for the full implementation of the joint office of provident fund loans in the whole region. (What about Yao? Qin)