According to the agreement, the housing provident fund departments of the five cities in Jiaodong will further promote mutual recognition and mutual loan, promote mutual recognition of housing provident fund transfer and deposit information, and on the basis of respecting the specific policies and measures of the five cities, cancel the household registration restrictions on employees who purchase loans in the local area to ensure that employees who apply for loans in different places enjoy the same rights as those who apply for loans in the place where the lending institution is located.
A related person from the Municipal Housing Provident Fund Management Center said: The household registration restrictions for employees of the five cities' housing loans have been cancelled, and mutual recognition and mutual loans have been realized in the true sense. This means that in the future, when employees who have housing deposits in five cities apply for loans in other four cities, they will no longer be restricted by whether they have local household registration, and they can enjoy the same rights and interests as the loan employees where the lending institutions are located, providing more policy preferences and financial support for cross-regional population mobility, employment and house purchase among the five cities.
★ Formally establish a joint meeting system for directors of integrated development of housing provident fund;
★ Establish seven cooperation contents such as establishing information sharing mechanism and further promoting mutual recognition and loan;
★ Give full play to the role of housing provident fund in housing security and promoting economic development, and help Jiaodong Economic Circle to enhance its overall efficiency and core competitiveness.
The agreement is clear, and the five cities in Jiaodong adhere to the principles of people-oriented, regional coordination and * * * building * *, and the cooperation items mainly include:
0 1
Accumulation fund integration
According to statistics, in the first three quarters of this year, * * * handled more than 4 100 off-site transfer business, with more than 64 million yuan, and issued more than 360 off-site loans with 654,380+24 million yuan. After the signing of the agreement, in terms of breaking regional barriers and promoting policy coordination, the five cities will cancel the household registration restrictions of housing loan practitioners in the region and realize mutual recognition and mutual lending in the true sense.
This means that, in the future, when employees who deposit in five cities apply for loans in other four cities, they will no longer be restricted by whether they have local household registration, and they can enjoy the same rights and interests as employees who apply for loans in the place where the lending institution is located, providing more preferential policies and financial support for cross-regional population mobility, employment and house purchase among the five cities.
The agreement is clear, and the five cities in Jiaodong adhere to the principles of people-oriented, regional cooperation and * * * sharing of buildings. Cooperation projects mainly include-
02
Establish information sharing mechanism
Explore the establishment of housing provident fund deposit, withdrawal, loan, credit information sharing mechanism, and information investigation mechanism of real estate and marital status, and build a "Jiaodong Economic Circle Housing Provident Fund Service Platform" based on the provincial government integration platform and the construction of housing provident fund theme library to provide basic information guarantee for employees to deposit and use housing provident fund across regions.
03
Further promote mutual recognition and mutual loans.
Promote the transfer of housing provident fund and mutual recognition of deposit information. On the basis of respecting the specific policies and measures of the five cities, the household registration restrictions on employees who purchase housing loans in the local area will be abolished to ensure that employees who apply for loans in different places enjoy the same rights and interests as those who apply for loans in the place where the lending institution is located. Select link governance violations. Establish a linkage mechanism to check the illegal extraction and use of housing provident fund, analyze and judge the types of illegal extraction and use, study preventive measures, and form a joint force of governance.
04
Comprehensively strengthen mutual legal assistance.
Cooperate to carry out the judicial deduction of housing consumption cases involving housing provident fund, study and summarize the cross-regional judicial deduction cooperation of housing consumption cases involving housing provident fund, and ensure that the judicial deduction of housing consumption cases involving housing provident fund in five cities of Jiaodong is carried out in an orderly and compliant manner.
05
Study and promote policy coordination
In-depth study on the differences, convergence and social recognition of the formulation and implementation of housing provident fund policies in cross-regional practice, exploring and studying housing provident fund to support the development of housing rental market and other matters, and helping the reform of housing provident fund system and career development.
06
Promote regional credit cooperation
Promote regional credit cooperation. Establish information sharing channels for housing provident fund credit system, and promote cross-regional credit information exchange and mutual recognition of untrustworthy information. Conduct other work exchanges in a timely manner.
In addition, after the signing of the agreement, the five cities will also establish and improve the working mechanism of information sharing, mutual recognition and investigation, and mutual recognition and intercommunication of housing provident fund deposit, withdrawal, loan and credit information. This means that, on the one hand, employees in five cities will enjoy better and more efficient services brought by information technology, and their sense of acquisition and satisfaction will be greatly improved; On the other hand, the supervision and restraint mechanism of housing provident fund will be more perfect, and the measures of fund security, illegal rectification and disciplinary action against dishonesty will be implemented more comprehensively and effectively.
Source: Qingdao property market incident