Last night, Beijing Housing Provident Fund Management Center issued several heavy policies. Among them, the Notice on Adjusting Individual Housing Loan Policy of Housing Provident Fund and the Notice on Implementing Simple Administration and Decentralization, Strengthening Supervision, Improving Services, Optimizing the Business Environment and Improving the Service Level of Housing Provident Fund Collection will completely change the situation of future city provident fund withdrawal and loan.
Last night, Beijing Housing Provident Fund Management Center issued several heavy policies. Among them, the Notice on Adjusting Individual Housing Loan Policy of Housing Provident Fund and the Notice on Implementing Simple Administration and Decentralization, Strengthening Supervision, Improving Services, Optimizing the Business Environment and Improving the Service Level of Housing Provident Fund Collection will completely change the situation of future city provident fund withdrawal and loan. These policies will be officially implemented from September 17, that is, next Monday.
Among them, "recognizing the house and the loan", "the deposit amount is linked to the deposit term" and "buying a house in a different place cannot be extracted at will" are all key words! The knowledge operation team pays close attention to friends here!
The loan amount is linked to the deposit term.
The loan can only be made if the deposit exceeds 1 1 year1.20 thousand. In the past, the amount of provident fund loans was 6.5438+0.2 million yuan, and the length of deposit will not affect the amount; The New Deal linked the loan amount to the borrower's housing provident fund deposit period.
The relevant person in charge of the Beijing Housing Provident Fund Management Center said that in order to reflect the fairness and justice of the system, the annual loan can be 65,438+10,000 yuan, and the loan can be 1.2 million yuan.
There are also several special cases when calculating the deposit period. If the deposit period is less than 1 whole year, it will be calculated as 1 whole year. For example, if the deposit period is 13 months, you can borrow 200,000 yuan for two years. In addition, if the loan applicant is married, the calculated loan amount will not be accumulated, but will be calculated by the long-term paying spouse.
Give a chestnut! If a 22-year-old college graduate starts to pay the provident fund after taking office, under normal circumstances, he can borrow 1.2 million yuan, and he needs to pay 1 1 year, which is about 34 years old. "This is mainly to guide citizens to rational housing consumption and implement' rental and purchase at the same time' and' rent before buying'." The person in charge said.
The "second suite" recognizes both the house and the loan.
The second loan amount was reduced to 600,000. Starting next week, Beijing provident fund personal loans have also changed the rules for judging the "second suite" and become the same as commercial loans.
"House" refers to the housing of the loan applicant in Beijing, and "loan" refers to the personal housing loan records in the credit information system of the People's Bank of China, including commercial housing loan records and housing provident fund personal housing loan records.
In other words, if the loan applicant has no housing loan record and has no housing in this city, it will be handled according to the first home loan policy; Those who do not belong to the first suite and are approved as the second suite shall be handled according to the second suite loan policy; If there are two or more houses approved, no loans will be granted.
Specifically, the "second suite": there is only one set of housing in this city; Only the housing loan of 1 was recorded; There are housing loan records, and there are 1 houses in this city, and they are the same house. If there are two or more houses in this city, or there are two or more housing loan records, or there are housing loan records and the houses in this city are not the same house, no loans will be granted.
At the same time, the New Deal lowered the loan amount of the second home loan from 800,000 yuan to 600,000 yuan. Generally speaking, if you are judged as a "second suite" after "recognizing the house and the loan", you will face the situation that the loan amount will be reduced and the down payment ratio will be higher than in the past.
The down payment ratio is no longer unified to 20%
General residential 35%, two sets of non-general 80%. Whether the first suite or the second suite will directly affect the down payment ratio. Similar to last year's "3. 17 New Deal", the down payment ratio of provident fund loans for house purchase will be different according to the nature of the house:
From low to high, the down payment ratio for purchasing affordable housing is not less than 20%;
Purchase the first set of property housing and other policy housing, the down payment ratio shall not be less than 30%;
The down payment ratio of the first set of ordinary self-occupied housing other than policy housing is not less than 35%;
The down payment ratio of the first set of non-ordinary self-occupied housing other than policy housing is not less than 40%;
For the purchase of ordinary self-occupied housing and the second set of housing, the down payment ratio shall not be less than 60%;
If you buy a second set of non-ordinary housing, the down payment ratio shall not be less than 80%.
The identification standards of ordinary self-occupied housing and non-ordinary self-occupied housing shall be implemented in accordance with the Notice on Adjusting the Average Transaction Price of Ordinary Housing in this Municipality to Enjoy Preferential Tax Policies. Generally speaking, ordinary self-occupied housing refers to the plot ratio above 1.0 (inclusive), and the single building area below140m2 (inclusive), which is determined by reference to its actual transaction price.
Floating quota for house purchase from the sixth district of the city to the outside of the sixth district of the city.
East-west city floats 200,000, and sea breeze stone floats 65,438+10,000. In order to implement the relevant requirements of Beijing's overall urban planning, the New Deal has increased the loan amount for families who buy houses outside Beijing's six districts from 6.5438+0.2 million yuan to 6.5438+0.2 million yuan and 200,000 yuan.
Specifically, if a loan applicant has a household registration in Dongcheng District or Xicheng District of Beijing and buys the first home outside the six districts of Beijing (Dongcheng, Xicheng, Chaoyang, Haidian, Fengtai and Shijingshan), the loan amount can be increased by 200,000 yuan to 6.5438+0.4 million yuan;
If the household registration is in Chaoyang, Haidian, Fengtai and Shijingshan District, and the first house is purchased outside the six districts of the city, the loan amount can be increased by 6,543.8+0.3 million yuan to 6,543.8+0.3 million yuan.
The longest loan period is 65 years old.
Previously, the longest loan period of provident fund personal loans could be calculated until the borrower was 70 years old; Now it is adjusted to be no more than 65 years old in principle. If the loan applicant is married, the loan term shall be calculated according to the longer of the husband and wife.
For example, if the applicant is over 55 years old, the longest loan period in the past was 65,438+05 years, but now it will be reduced to 65,438+00 years.
The monthly repayment shall not exceed 60% of the monthly income.
Insufficient income will reduce the quota. On the premise of ensuring the basic living expenses of the loan applicant, according to the loan amount, term and applicable interest rate applied by the loan applicant, the monthly repayment amount calculated by the matching principal and interest repayment method shall not exceed 60% of the monthly income of the loan applicant.
In fact, "the monthly repayment amount does not exceed 60% of the monthly income" is more important to affect the loan amount.
Calculate an account! If the provident fund loan is 6,543.8+2,000 yuan, the monthly payment of equal principal and interest will be 5,848 yuan at the benchmark interest rate of 3.25% for 25 years. According to the New Deal, the monthly income should be at least 1 1230 yuan on the basis of basic living expenses.
Guide to the new policy of Beijing housing provident fund withdrawal;
Buying a house in a different place is no longer casual.
You can only buy the household registration or the provincial capital where the household registration is located. "Although it has realized the purchase of housing in different places to withdraw the provident fund, it has also found a large number of forged materials to defraud the provident fund." The relevant person in charge of the Beijing Housing Provident Fund Management Center said that in practice, many applicants have forged real estate licenses, household registration books, ID cards, purchase contracts and even government websites.
To this end, the New Deal will also standardize the purchase and withdrawal business, and it is no longer necessary to purchase houses in any city to withdraw the provident fund in Beijing. It is reported that in addition to buying houses located in the administrative area of Beijing, the withdrawal of provident fund is limited to buying houses in counties, cities or provincial capitals recorded in the ID cards and household registration books of myself and my spouse.
For example, if the purchaser's household registration is in Zhangjiakou City, Hebei Province, he can only withdraw the provident fund when purchasing Beijing housing, Zhangjiakou housing and Shijiazhuang housing; If the person buys a house in Langfang, such as three northern counties, he can't withdraw the provident fund.
It should also be noted that if the depositor and spouse of the housing provident fund have records of house purchase withdrawal in the administrative area of Beijing, they cannot apply for house purchase withdrawal in different places.
Migrant workers can cancel their accounts.
Men are over 55 years old and women are over 50 years old. To terminate the labor relationship between migrant workers and their units, and the household registration is local, it shall be handled in accordance with the provisions on the extraction of local household registration personnel; The household registration is from other places. If the job changes to other provinces and cities and the housing provident fund is established locally, the housing provident fund can be transferred from other places. If the local housing provident fund has not been established, the depositor of the housing provident fund may cancel the account when the male reaches the age of 55 and the female reaches the age of 50.
In principle, the extraction of severe diseases is cancelled.
In order to curb the fraudulent insurance fraud by means of serious illness, this Municipality has in principle cancelled the extraction of major illness stipulated in the Notice on the Extraction of Housing Provident Fund for Employees' Family Emergency.
At the same time, if the depositor applies for agreed withdrawal, the agreed withdrawal interval will be adjusted to three months, six months or one year after the first withdrawal is completed.
Illegal withdrawal for 5 years, no mention, no loan.
According to the New Deal, in the future, the city will increase penalties for illegal withdrawal of provident fund. For employees who illegally withdraw housing provident fund, the management center immediately freezes their housing provident fund accounts, orders them to fully refund the amount illegally withdrawn, and records personal information in the bad information database. They may not apply for housing provident fund withdrawal or accept housing provident fund loan applications within five years from the date of discovery of violations.
At the same time, it also copied the bad information to the Municipal Administration for Industry and Commerce, the Municipal Economic and Information Committee and other departments in accordance with the law, and implemented joint punishment. If the personal housing provident fund account is transferred in different places, the bad records extracted in violation of regulations will be transferred with the personal account.
Beijing housing provident fund applies for a loan. Look here:
Simplify loan application
A lot of materials have been completely streamlined. In addition to adjusting many loan rules, relevant materials have also been streamlined with the implementation of the New Deal. In terms of loan application materials, for the convenience of loan applicants, when accepting loan applications, the loan handling department of the management center only keeps the original purchase contract (if it is inconvenient to provide the original, provide a copy) and the original proof of the deposit and use of the housing provident fund for foreign loan employees; After verification, the remaining loan application materials should be kept in the electronic image file for reference and retrieval when handling the business.
At the same time, the current loan contract retained by the management center, Beijing Housing Loan Guarantee Center, the borrower and the entrusted bank will be reduced to one for the management center, the borrower and the entrusted bank, and the Beijing Housing Loan Guarantee Center will no longer be retained.
Whole process of account opening and online deposit.
For the deposit units of provident fund, in addition to the online deposit business, the unit registration account opening and information change can be handled by the manager at the housing provident fund counter, or the unit manager can log on to the online business platform of Beijing Housing Provident Fund Management Center () to directly complete the registration account opening and information change business.
If it is the first time for the company to register and open an account online, the selected management department is responsible for reviewing the information provided by the company, informing the company of the audit results and guiding the company to handle the business in the next step; If there are still complicated problems that cannot be solved by online or telephone, please inform the unit manager to the management department or the management department will send someone to the unit for guidance and solution.
The same city exchange realizes the nearest office.
In the past, the city's provident fund business was handled according to the territory; From next Monday, the deposit unit can choose one of the 18 management departments under the management center and the bank outlets entrusted with the collection of housing provident fund to handle the deposit and withdrawal of housing provident fund according to the principle of proximity and convenience. The management department or bank outlet you choose can be fixed or not.
In terms of simplifying the handling of materials, the depositor and depositor handle the registration, account opening, deposit, change and inquiry business through the online business platform of housing provident fund or mobile phone client, and the business handling department no longer prints and keeps paper files, but only keeps electronic files; When the management department and the entrusted bank outlets handle the registration, account opening, deposit, withdrawal, transfer, change and inquiry of the housing provident fund deposit unit, they only need to take photos of the original application materials and keep them as electronic files, and do not keep copies of the business handling materials.
Authoritative answer to the New Deal of Beijing Housing Provident Fund;
Q: Is the execution time based on online signing or loan application?
A: All relevant policies will be implemented from September 20 17 18. If it has been signed online before, it shall be implemented according to the original regulations. This regulation is mainly aimed at the municipal provident fund. Unless otherwise stipulated, the directly under the authority Sub-center, the Central State Organs Sub-center and the Beijing Railway Sub-center can be implemented with reference to this notice.
Q: After the deposit term reaches 12 years, can I borrow10.2 million yuan?
A: 1.2 million is just a quota. The actually approved loan amount is also related to the monthly deposit amount, loan ratio and the ratio of monthly repayment amount to monthly income.
Q: Can I still withdraw the provident fund if I have purchased foreign housing and withdrawn it for the first time?
A: The new regulations require that you must buy a house in the place where your household registration is located or in the provincial capital city before you apply for a house purchase in a different place to withdraw the provident fund. In addition, the reporter also learned that if foreign housing has been purchased and has been extracted for the first time, it will be extracted normally according to the original policy.
Q: The registered employees in the sixth district of the city have paid less than 12 years. Can they enjoy the "floating quota policy"?
A: The loanable amount can be increased by 654.38+10,000 yuan or 200,000 yuan on the basis of the actual deposit period of registered employees in the sixth district of the city, but the final loan amount shall not exceed the loan amount calculated according to the policy that the monthly repayment amount of the paid employees does not exceed their monthly income control standard.
Q: Does the "floating quota policy" apply to married employees?
A: It depends. If one spouse's household registration is in the sixth district of the city and the other spouse's household registration is outside the sixth district of the city, the purchase of housing outside the sixth district of the city does not enjoy floating; If one spouse's household registration is in the East-West District and the other spouse's household registration is in Chaoyang District, Haidian District, Fengtai District and Shijingshan District, they will buy a house outside the sixth district of the city and enjoy a floating interest rate of 6,543,800 yuan; If both husband and wife are registered in the East and West Districts, they can buy a house outside the six districts of the city and enjoy a floating range of 200,000 yuan; If a single person buys a house outside the sixth district of the city, the registered employees in the east and west cities enjoy a floating range of 200,000 yuan, and the registered employees in Chaoyang District, Haidian District, Fengtai District and Shijingshan District enjoy a floating range of 6,543,800 yuan.
Is the branch of China Bank in Haidian District open normally?
Normal business. Beijing Haidian District Bank is located in Haidian District, Beijing, and mainly deals with RMB deposits, loans and settlement. Banks in Haidian District of Beijing are open from 8: 30 am to 6: 30 pm from Monday to Saturday.
Where is the platform for borrowing rice and flowers?
Beijing.
Duolai Mihua was incorporated by Beijing Wang Mi Financial Information Service Co., Ltd. at Room 65438 1 1, Building 8, Chuangye Street, Zhongguancun, Haidian District, Beijing.
Duolai Mihua is not a formal loan platform. There are many loan platforms in the market. If borrowers want to avoid being cheated, they must choose a formal platform to borrow money.
How much can I bring in Haidian District 10?
Haidian District, 10 years old can bring 70% of the money. According to relevant information, the longest loan period for a house in Haidian District is 30 years, and the loan amount depends on the appraised value of the house. 70% of the loan house is also related to the customer's down payment.
What is the address and telephone number of Beijing Loan Company?
Lending companies are the most popular lending institutions besides banks. There are many loan companies in every city, but some friends don't know where to find them. So today I will sort out several formal loan companies in Beijing. I don't know what are the loan companies in Beijing. Please have a quick look.
What loan companies are there in Beijing?
Beijing hengyuan co., ltd
Company address: Room C 108203, Julia Building, No.9 Wangjing North Road, Chaoyang District, Beijing.
Tel: 64391236/64391606/64390166.
Beijing Liyuan company limited
Company address: Building 1 Lehongyuan Community, Huairou District, Beijing
Tel: 0 10-89688893
Beijing Zhongguancun company limited
Company address: Floor 9, Taipeng Building, No.2 North Street, West Haidian, Zhongguancun, Haidian District, Beijing.
Tel: 82483630
Beijing Gucheng agricultural investment co., ltd.
Company address: Shop 9, Floor 2 1 Jinguyuan, Pinggu District, Beijing (southeast corner of Yingbin roundabout)
Tel: /69973284/69973045
Beijing Nong tou Rong Feng co., ltd
Company address: Room 2035, Innovation Building, Fengtai Science Park,No. West Fourth Ring South Road 10 1, Fengtai District, Beijing.
Tel: 63719040/9141.
Beijing Easyhome Co., Ltd.
Company address: Room 2008, 20th floor, No.3 Dongzhimen South Street, Dongcheng District, Beijing.
Tel: 84084460
Beijing Lacarra Limited Liability Company
Company address: Room 708, Building 6 1 Dan Ling Street, Haidian District, Beijing.
Contact telephone number:
Beijing Nong tou shou cheng co., ltd
Company address: No.0/20, Liyuan Road, Tongzhou District, Beijing.
Tel: 010-80818188.
What are the Beijing loan companies introduced here? When choosing a loan company, we must remember that a formal loan company will not charge any fees before lending.
Do you know any formal companies in Beijing?
Whether in Beijing or other cities, small and medium-sized enterprises will face the problem of financing difficulties, and some city banks have insufficient loan support for small and medium-sized enterprises. So under various conditions, companies have sprung up like mushrooms after rain. It is precisely because of the low threshold and fast lending that it has always been favored by small and medium-sized enterprises. So in Beijing, how many formal companies do you know about Beijing? Today, I sorted out five formal companies in different regions of Beijing. Please read slowly.
Beijing Chaoyang District Company Ranking
Ranked company
1 Beijing ChaoHuitong Co., Ltd.
Beijing Phoenix Company Limited
Beijing Fuan Co., Ltd.
Beijing hengyuan co., ltd
5 Beijing Jinyang Agricultural Investment Co., Ltd.
Beijing Haidian District Company Ranking
Ranked company
1 Beijing Gujin Co., Ltd
2 Beijing Jingtou Xinye Co., Ltd.
3 Beijing Nongtou Chengxing Co., Ltd.
Beijing Gan Yuan Union Co., Ltd.
5 Beijing Shixin Renda Co., Ltd.
Beijing Xicheng District Company Ranking
Ranked company
1 Beijing Desheng Co., Ltd.
2 Beijing Guo Xu Co., Ltd.
Beijing Huayuan company limited
Beijing jiangchuan co., ltd
5 Beijing Zheng Jin Rongtong Co., Ltd.
Beijing Dongcheng District Company Ranking
Ranked company
1 Beijing Chongxin Agriculture Investment Co., Ltd.
2 Beijing Jinruitong Co., Ltd.
Beijing Jing Rong Co., Ltd.
4 Beijing Oriental Agricultural Investment Co., Ltd.
Beijing runze co., ltd
Reminder, when applying for a loan from a company, you must choose a regular company, and beware of being deceived.
This is the end of the policy of restricting loans issued by Haidian District. I wonder if you found the information you need from it?