Article 7 of the Detailed Rules provides provident fund loans to families, that is, employees, their parents, spouses and children can apply for provident fund loans as the main borrower and the same borrower respectively. Among them, if parents and children buy the same house, one of the parents or children can calculate the loan amount as the same borrower. In addition to the above relationship, you may not apply for provident fund loans.
Article 8 In order to prevent the risks of provident fund in loans overdue, the families of employees applying for provident fund loans should be employees who have established or formed labor relations with organs, enterprises and institutions, and may not directly or indirectly take provident fund loans to pay provident fund through short-term affiliation with other units.
Article 9 of the detailed rules: employees applying for provident fund loans for the first time must pay in full for more than 6 months; When applying for the provident fund loan for the second time, it must be paid in full 12 months or more, and the housing provident fund is paid normally. In order to prevent some employees from not fulfilling their obligations while enjoying the provident fund loan policy, they can enjoy the second loan policy by cutting off, continuing and cutting off again, thus crowding out the normally paid employee loan quota. Therefore, the loan conditions of the second provident fund loan should be appropriately improved, and the time limit for employees to apply for the second loan should be increased from the normal continuous deposit of provident fund for more than 6 months to more than 12 months, and the provident fund should not be paid in the form of supplementary payment or remittance in advance to ensure the loan demand of the first set of employee families who just need to pay the housing provident fund, and the conditions of the first set of loans remain unchanged.
Workers transferred from other places to work in our city need to transfer the off-site provident fund to our city, and provide a valid deposit certificate issued by the off-site housing provident fund management department. Continuous deposit time can be calculated in combination.
Article 9 of the detailed rules implements the provident fund loan policy of recognizing housing and recognizing loans. In order to prevent the use of housing provident fund for real estate speculation, adhere to the general orientation of "housing without speculation" and give full play to the security function of housing provident fund, according to the Notice of the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China on Developing Personal Housing Loan Business of Housing Provident Fund, the document stipulates: "The housing provident fund management center shall not issue personal housing loans of housing provident fund to paid workers' families who purchase third or above houses. "Apply for housing provident fund loans, should be to buy the first set of self-occupied housing and the second set of improved housing paid workers' families.
May not apply for housing provident fund loans, including the following circumstances:
Workers' families have two sets of housing in this city, and they may not apply for housing provident fund loans when buying a house again;
Workers' families with two provident fund loan records may not apply for housing provident fund loans again.
Article 10 of the Detailed Rules stipulates the calculation method of the number of provident fund loans. The number of provident fund loans is calculated as follows: First, the number of local and off-site provident fund loans of borrowers. You can check the number of local loans through the provident fund business system. Employees who have paid the provident fund in different places need to provide proof of the payment and use of the housing provident fund for employees who have borrowed from different places to check the number of loans in different places; The second is the number of pre-marital provident fund loans. Third, the number of loans is calculated according to the discount of "business-to-business" loans. If the same house is discounted and converted into provident fund loans at the expiration of the discount period, the number of loans shall be calculated by 1 time, and if different houses are discounted and converted into provident fund loans at the expiration of the discount period, the number of loans shall be calculated.
When the borrower applies for provident fund loans, if there are records and settlement of provident fund loans in the above three situations, it shall be implemented according to the second set of provident fund loan policies in our city; If there are outstanding provident fund loans or two provident fund loans in the above three situations, you may not apply for provident fund loans in our city.
Article 13 of the Detailed Rules In order to promote the stable and healthy development of the real estate market in our city, according to the spirit of the Notice of the Provincial Housing and Construction Department on Timely Adjusting the Housing Provident Fund Policy to Ensure the Stable and Healthy Development of the Real Estate Market and the Notice of Zhenjiang Municipal People's Government on Further Promoting the Healthy and Stable Development of the Real Estate Market, our city issued the Notice on Adjusting the Relevant Policies of the Housing Provident Fund in 20 17, stipulating that the down payment ratio of employees' families to pay housing provident fund loans for the first time will be reduced from 20%. For employees' families who have settled the first provident fund loan, the down payment ratio for the second application for provident fund loan is adjusted from 20% to 60%. Accordingly, it will be updated in the implementation rules.
Article 13 In accordance with the principle of overpaying and loaning, paying less and loaning less, we will promote the enthusiasm of employees to pay provident fund, and implement the loan-to-deposit ratio-linked mechanism for provident fund loans in combination with the current situation of funds in our city. According to the deposit period of employees who have paid the provident fund, the loanable amount of the employee's provident fund is linked to the total balance of the provident fund deposit account of the loan employee's family in various ways.
1. Since the date of implementation of the policy, if the employee who has paid the provident fund has paid for less than one year, the amount of the provident fund loan shall not exceed 8 times of the total balance of the applicant's family provident fund account when applying for the loan; That is, if the time from the date of opening an account in the provident fund deposit account to the date of applying for the provident fund loan for the first time is less than 1 year, the maximum amount of the provident fund loan shall be calculated according to 8 times the balance deposited in the applicant's family provident fund account at the time of application.
2. If the deposit period of the provident fund is over 1 year but less than 2 years, the loan amount of the provident fund shall not exceed 10 times of the total deposit balance of the applicant's family provident fund account when applying for the loan; That is, if the time from the date of opening an account in the provident fund deposit account to the date of applying for the provident fund loan exceeds 1 year but less than 2 years, the maximum amount of the provident fund loan shall be calculated according to 10 times of the total deposit balance in the applicant's family provident fund account at the time of application.
3. If the deposit period of the provident fund exceeds two years, the loan amount of the provident fund shall not exceed 12 times of the total deposit balance of the applicant's family provident fund account when applying for the loan; That is, if the time from the date of opening an account in the provident fund deposit account to the date of applying for the provident fund loan exceeds 2 years, the maximum amount of the provident fund loan shall be calculated according to 12 times of the total deposit balance in the applicant's family provident fund account at the time of application.
4. When the borrower and * * * the same borrower apply for provident fund loans, they respectively correspond to the above-mentioned deposit period conditions, and the loanable amount is the total amount calculated by the provident fund loan applicant according to the corresponding loan policy.
5. The registered employees of this city who have paid the provident fund in different places apply for provident fund loans in our city. If you have paid the provident fund in different places for more than 2 years, you can open a special deposit account in Zhenjiang housing provident fund management institution, and determine the loan amount according to the calculation method of the provident fund loan amount in our city. At the same time, it is necessary to provide details of the deposit of provident fund in different places for more than 2 years confirmed by the provident fund management institution in different places; If the deposit in different places is less than 2 years, the balance of the individual housing provident fund account deposited in different places will be transferred to the housing provident fund account in our city, and the loanable amount will be calculated in various ways according to the balance of the provident fund deposit account; If the balance of off-site provident fund deposit cannot be transferred to our city's provident fund account, the loanable amount shall be calculated as zero according to the balance of the provident fund deposit account in various ways.
Detailed Rules "Article 15" According to the spirit of the document "Several Opinions of Zhenjiang Municipal Party Committee and Municipal Government on Implementing the Action of" Revitalizing the Town with Talents "to build a blessed land for talents gathering, our city has issued the Detailed Rules for the Implementation of the Action Provident Fund Policy of Revitalizing the Town with Talents. For employees who meet the talent policy, the first set of self-occupied commercial housing will be purchased. From the month when the unit pays the housing provident fund for them, the conditions for applying for housing provident fund loans will be met, and the amount of provident fund loans will increase by 50%.
Article 18 of the Detailed Rules 1 In order to prevent risks in loans overdue, the borrower shall take the self-occupied house purchased, built, renovated or overhauled as collateral. If the purchased house cannot be used as collateral because the property right certificate has not been obtained, other houses owned by the owner and his family shall be used as collateral, and the house of a third party shall not be used as collateral. After obtaining the property right certificate of the purchased house, the original mortgage should be replaced.
Article 18 of the Rules stipulates the guarantee period. If the borrower applies for provident fund mortgage loan, the development enterprise that signed the mortgage loan cooperation agreement shall bear the phased guarantee responsibility. The guarantee period is from the date when the provident fund loan is issued to the time when the house ownership certificate of the purchased house is completed and the mortgage registration formalities are completed, and the relevant ownership and mortgage documents are handed over to the provident fund center and the bank for safekeeping.
Detailed Rules "Article 22" 2 If a second-hand house is purchased to apply for provident fund loan, in order to prevent the risk of loan funds, the loan funds of second-hand house will be transferred to the seller's account, and the payment method will change. The loan materials need to be accompanied by the seller's identity certificate, the collection bank card and the original copy of the immovable property certificate.
Detailed Rules "Article 22" In order to ensure the authenticity of the construction, renovation and overhaul of owner-occupied housing and further prevent the loan risk, after the borrower submits the loan materials to confirm the construction, renovation and overhaul of the housing, the loan management personnel of the provident fund center will go to the scene to conduct on-the-spot investigation.
Article 28 When applying for provident fund loans for the original purchase of second-hand houses, the loan funds shall be transferred to the borrower's account. Now, in order to prevent the risk of provident fund loans and adjust the payment method of funds, if the second-hand house is purchased to apply for provident fund loans, the entrusting bank will transfer the loan funds into the account opened by the seller in the bank.
Detailed Rules Article 34 According to the spirit of the Notice on Defining the Operating Process of Post-loan Information Change of Provident Fund Loans and the Notice on Further Defining the Operating Process of Post-loan Information Change of Couples, in order to improve the post-loan service efficiency of provident fund loans and solve the convenient measures for employees to change their repayment responsibilities during the repayment of provident fund loans, the repayment responsibility of loans can be lifted while ensuring the implementation of the creditor's rights of provident fund loans. Accordingly, it has been added in the implementation rules.
Article 38 of the detailed rules clearly stipulates the credit status of borrowers who refuse to accept provident fund loans, that is, within two years, five years, that is, within 24 months and 60 months when applying for loans. Among them, within two years of applying for a loan, if there are three consecutive overdue or accumulated accounts of student loans and annual fees, and all of them have been settled, the borrower shall provide a settlement certificate issued by the bank, and the annual fee of the credit card shall be marked with "annual fee".
Detailed Rules "Article 50" 20 14 Since September, the personal loan ratio of provident fund has been running at a high level. In order to further strengthen the support and guarantee of housing provident fund for employees to buy self-occupied housing and resolve the contradiction of capital liquidity, Zhenjiang City implemented the "business-to-public" loan discount policy on August 201May. "Commercial loans to provident fund loans" refers to the calculated interest difference between the provident fund center subsidizing commercial housing loans and provident fund loans to employees who meet the conditions of provident fund loans.
Specify the time limit for applying for discount. Commercial housing in the acquisition of immovable property certificate within 3 years, second-hand housing in the acquisition of immovable property certificate 1 year; Clarify the discounted loan amount. The first discount loan amount is the maximum loan amount of the discount applicant's provident fund. The maximum loan amount for only one person who normally pays the provident fund in full is 300,000 yuan, and the maximum loan amount for husband and wife, children and parents to jointly purchase a house is 500,000 yuan, but it does not exceed the approved balance of the discount applicant's commercial loan. After the expiration of one year, when applying for discount again, the amount of discount loan shall be subject to the loan amount determined at the time of the first discount, and the loanable amount shall not be increased, and the repayment principal of commercial loan for one year shall be deducted.
Article 51 of the detailed rules stipulates the conditions for applying for provident fund loans in our city for buying houses in different places. In practice, it is common that employees can only obtain the title certificate of the purchased house one year after signing the house purchase contract. Second-hand houses in different places cannot be registered in the real estate center of our city, so they cannot apply for provident fund loans in our city. In order to further meet the needs of employees to buy houses in different places, it is now clear that if they deposit housing provident fund in our city and buy commercial housing or second-hand housing in other places, the time for applying for provident fund loans is within half a year after obtaining the property right certificate of the purchased house, and there is collateral or pledge as a guarantee in our city; It is clear that commercial loans in different places are not allowed to handle the "business-to-business" discount business. Because the undertaking bank of foreign commercial loans does not belong to the entrusted bank of our center's provident fund loans, those who apply for housing commercial loans in other places cannot apply for "business-to-business" discount business in our city.
Article 52 of the detailed rules has improved the provisions on the second loan of provident fund in different places. With the increasing number of employees buying houses in different places in our city, our city has issued the Notice on Further Improving the Provident Fund Policy to further standardize the loan business operation, which is now improved in the new implementation rules. The registered workers in our city pay the provident fund in different places and apply for provident fund loans in our city. If the provident fund loan has been recorded and settled in the certificate of deposit and use of housing provident fund for employees with loans from different places, it shall be implemented according to the second set of provident fund loan policy of our city, with the down payment of 60% of the total house price and the interest rate of provident fund loan rising. If the off-site provident fund loans are not settled, they may not apply for provident fund loans in our city.
Article 55 of the detailed rules stipulates that "the housing provident fund management center shall establish a liquidity risk emergency mechanism according to the housing provident fund fund management business norms issued by the Ministry of Housing and Urban-Rural Development, including raising funds in an appropriate way, adjusting the use policy, using the loan liquidity risk reserve and carrying out the business of maintaining and increasing the value". Our center can adjust the provident fund loan policy according to the adjustment of real estate policy and the use of provident fund funds, and give play to the guarantee function of the housing provident fund system.