2022 individual housing provident fund loan policy
I. Identification of loan portfolio:
1. If there is no record of housing and provident fund loans in this city under the name of the employee's family, it is recognized as the first set of housing; If there is no housing under the family name, there is a provident fund loan record, or there is a house that meets the conditions of the second set of improved housing, it is recognized as the second set of improved housing loans. In line with the housing provident fund * * * housing loan conditions with property rights protection, it is recognized as the first set of housing loans.
2. If there is no record of provident fund loans in the country and there is no housing in this city under the name of the employee's family paid by other provinces and cities, it will be regarded as buying the first set of housing; If a family has a record of provident fund loans in the whole country or has 1 house in this city, and buys a second set of improved housing, it will be regarded as buying a second set of improved housing.
3. Stop issuing provident fund loans to loan applicants who meet the following conditions:
(1) Employees' families who have paid provident fund loans twice;
(2) paid workers' families who buy a second set of non-improved housing.
4. Relevant requirements for applying for housing provident fund loans to determine the number of housing units due to marriage:
If the borrower or his spouse owns no more than 65,438+0 property houses with their respective parents before marriage (that is, the borrower or his spouse owns 65,438+0 property houses with their parents before marriage, or the borrower and his spouse owns 65,438+0 property houses with their parents before marriage), it can be considered that the inquired house does not belong to the house of the borrower's family members. If the borrower has not yet established a marriage relationship, and the shared property house with his parents does not exceed 1 set, it can also be considered that the inquired house does not belong to the name of the borrower's family members.
The loan accepting institution shall, before determining the number of copies, inquire and confirm the housing registration information under the name of the borrower's family members who apply for housing provident fund loans through the Housing Situation Information Center of this Municipality. For the property housing owned by the borrower or the borrower's spouse and their parents, the time of property registration should be earlier than the time of marriage registration of the borrower.
5. The applicant's family scope is limited to the applicant, spouse and minor children.
Second, the ordinary housing appraisal:
According to Shanghai's ordinary housing standards, the construction area of ordinary housing is below 140 square meters, the actual price of housing transactions within the inner ring line is less than 4.5 million yuan/set, the actual price of housing transactions between the inner ring line and the outer ring line is less than 3/kloc-0.0 million yuan/set, and the actual price of housing transactions outside the outer ring line is less than 2.3 million yuan/set.
Third, the down payment ratio:
1. For the first housing loan, if the construction area of the purchased house is less than 90 square meters (including 90 square meters), the down payment ratio shall not be less than 20%; If the construction area of the purchased house is more than 90 square meters, the down payment ratio shall not be less than 30%.
2, apply for a second set of improved housing loans, the purchase of housing for ordinary housing, the down payment ratio is not less than 50%; If the purchased housing is non-ordinary housing, the down payment ratio shall not be less than 70%.
3. If applying for portfolio loans, it shall also meet the down payment ratio requirements of commercial loans in portfolio loans.
Four. Loan amount:
The amount of provident fund loans shall meet the following quota standards at the same time:
1, not higher than the loan amount determined by the borrower and the balance multiple of the borrower's housing provident fund account (the balance multiple of the basic housing provident fund account is 30 times, and the balance multiple of the supplementary housing provident fund account is 10 times);
2. It shall not be higher than the total house price remaining after deducting the specified proportion of down payment;
3. Not higher than the loan limit determined by the repayment ability of the applicant and the borrower (the monthly repayment amount of the provident fund loan of the applicant and the borrower shall not exceed 40% of the monthly salary base);
4, not higher than the city's maximum loan limit:
(1) The first housing loan, with the maximum loan amount of 500,000 yuan for individuals and 654.38+00,000 yuan for families;
(2) The second set of improved housing loans, with a maximum loan amount of 400,000 yuan for individuals and 800,000 yuan for families;
(3) If the housing provident fund is replenished, the maximum personal loan amount will increase by 654.38+10,000 yuan, and the maximum family loan amount will increase by 200,000 yuan.
5. Other factors affecting the loan amount.
Verb (abbreviation for verb) loan term:
The longest loanable period is the following minimum:
1. The longest term of provident fund loans shall not exceed 5 years after the applicant's statutory retirement age (statutory retirement age: 60 years for men and 55 years for women);
2, the purchase of first-hand housing, provident fund loans for a period of not more than 30 years;
3. Buy a second-hand house:
(1) If the purchase age is less than 5 years (including 5 years), the term of provident fund loan shall not exceed 30 years;
(2) If the purchased house is between 6 years and 19 years, the term of provident fund loan shall not exceed the difference between 35 years and the age of the house;
(3) If the house is purchased for more than 20 years (including 20 years), the term of the provident fund loan shall not exceed 15 years.
Intransitive verb loan interest rate:
1. If it is recognized as the first housing loan, the interest rate of provident fund loan is the benchmark interest rate of individual housing provident fund loan announced by the People's Bank of China;
2. For the second set of improved housing loans, the interest rate of provident fund loans is 1. 1 times the benchmark interest rate of individual housing provident fund loans announced by the People's Bank of China.
Seven. Repayment method:
1. Monthly repayment method of equal principal and interest: the repayment method in which the total amount of loan principal and interest repaid by the borrower is unchanged every month, but the loan principal increases month by month and the loan interest decreases month by month.
The formula is:
2. Monthly average principal repayment method: the borrower repays the principal on a fixed basis every month, and the loan interest decreases month by month.
The formula is:
Chuzhou provident fund loan policy 2022
Loan object and conditions
First, the provident fund loan object is the depositor who normally pays the housing provident fund.
Two, the loan applicant should belong to the purchase, construction, renovation, overhaul of the owner of the house or the owner of the house. The spouse of the loan applicant is the same applicant, and other individuals who meet the requirements of the Municipal Housing Provident Fund Management Committee can be regarded as the same applicant.
Three, the loan applicant shall meet the following conditions:
(1) Having full capacity for civil conduct;
(two) a stable economic income and the ability to repay the principal and interest of the loan as agreed, and a good personal credit;
(3) Failing to obtain the provident fund loan or having paid off the provident fund loan within the prescribed time limit;
(four) when applying for provident fund loans, the housing provident fund has been fully paid for a certain period of time, and the provident fund account is in a normal state of payment;
At present, the depositor can apply for a housing provident fund loan if he has paid the housing provident fund in full for more than 6 months (inclusive). After the principal and interest of the first set of housing provident fund loans of the depositor's family are settled, the second set of housing provident fund loans can be purchased.
(5) Buying, building, renovating or overhauling self-occupied housing in Chuzhou city or the place where the household registration is located, and paying a down payment of not less than the prescribed proportion for the purchase of housing;
At present, the borrower's family purchases new commercial housing and uses the housing provident fund loan for the first time, and the down payment ratio is not less than 20%; Re-use housing provident fund loans, the down payment ratio is not less than 20%.
(six) to provide valid proof materials for the purchase, construction, renovation and overhaul of self-occupied housing;
(seven) to provide a guarantee approved by the provident fund center;
(eight) other conditions stipulated by the provident fund center.
Four, the loan applicant has been in the housing provident fund management center in different places to pay the housing provident fund and meet the requirements of the deposit, the deposit time can be combined.
Five, provident fund loans to support the payer's family to buy the first set of self-occupied housing or the second set of improved self-occupied housing, does not support the payment of provident fund loans to the families of paid workers who buy the third and above housing.
At present, the borrower's family applies for housing provident fund loans for the first time, which is implemented in accordance with the first home loan policy; After the first housing provident fund loan of the borrower's family is settled, the borrower applies for the housing provident fund loan again, which is implemented in accordance with the second home loan policy; Do not issue the third set of housing provident fund loans.
Loan amount, term and interest rate
1. Provident fund loans are policy loans. The specific loan amount shall be comprehensively approved according to the factors such as the deposit of the provident fund of the borrower's family members, solvency, loan application period, etc., and meet the following quota standards:
(a) shall not exceed the maximum loan limit stipulated by the Municipal Housing Provident Fund Management Committee;
At present, only 1 borrower's family members have paid the housing provident fund normally, and the maximum loan amount is 400,000 yuan. If two or more borrowers' family members normally deposit the housing provident fund and jointly borrow, the maximum loan amount is 500,000 yuan.
(two) shall not exceed the difference between the purchase price and the down payment;
(3) It shall not exceed 80% of the price of the house purchase contract (agreement).
Among them: if the second-hand house is purchased, and the completion date of the purchased house is below 15 (inclusive), the loan amount shall not exceed 60% of the transaction price; If the completion period of the purchased house is 15 to 30 years (inclusive), the loan amount shall not exceed 50% of the transaction price;
(four) to pay the price of resettlement housing, the loan amount shall not exceed the actual amount payable, and shall not exceed 80% of the housing price.
Two, the borrower to apply for provident fund loans is not enough to pay for the purchase of self-occupied housing costs, the insufficient part can also apply to financial institutions for self-operated housing loans, that is, portfolio loans.
Three, the borrower to apply for the same set of housing provident fund loans and housing provident fund withdrawal, provident fund loans (including portfolio loans) shall not exceed the actual expenditure price of the purchased housing minus the amount of housing provident fund withdrawal.
4. The longest term of the provident fund loan is 30 years, and the maturity date of the loan shall not exceed 5 years after the statutory retirement time of the borrower. Loan applicants must apply for provident fund loans before retirement.
Five, the provident fund loan interest rate according to the provisions of the people's Bank of China interest rate.
Loan procedure
First, the loan applicant should apply for provident fund loans within the specified time, and cooperate with the loan investigation and review. Among them: the purchase of new commercial housing should be filed within 12 months (inclusive) from the date of filing the purchase contract; The purchase of second-hand houses should be applied within 3 months (inclusive) after the registration of house ownership transfer or the signing of the transaction contract; Other loans should be applied within 6 months (inclusive) after the delivery of the house.
Two, the provident fund center shall promptly accept the loan application materials submitted by the loan applicant. Meet the conditions of provident fund loans, the application materials are complete, the provident fund center shall accept, and at the same time complete the interview and other matters; For those who do not meet the loan conditions or have incomplete information, the provident fund center will not accept it or ask for correction, and explain the reasons.
3. The Provident Fund Center shall, within 10 working days from the date of accepting the application, complete the loan examination and approval, make a decision on granting or not granting the loan, and notify the loan applicant; Under special circumstances, with the approval of the person in charge of the provident fund center, the time limit for examination and approval may be extended by 5 working days.
Four, the approval of the loan, the entrusted bank and the borrower signed a provident fund loan contract and IOU, agreed on the loan amount, term, interest rate, repayment methods, etc. , clear rights, responsibilities, obligations and other matters that need to be agreed.
Five, take the mortgage (pledge) guarantee, the mortgagor, the pledger and the mortgage (pledge) pledgee shall sign a mortgage (pledge) contract, and handle the registration according to law; If the guarantee method is adopted, the guarantor shall sign a guarantee contract with the provident fund center.
Six, for those who have the conditions to issue provident fund loans, the provident fund center should complete the loan issuance within 5 working days, and the loan funds should be paid to the bank account of the seller, the house collector and the house builder or the third party bank account agreed by both parties.
What is the down payment ratio of the second set of improved provident fund loans in Shanghai?
Q: Shanghai improves the down payment ratio of second-home provident fund loans.
Answer: If you want to buy a second house to improve your living conditions, the down payment ratio of personal loans of housing provident fund shall not be less than 60%.
Q: Shanghai has the lowest interest rate for the second-home provident fund loan to improve living conditions.
Answer: If you buy a second house to improve your living conditions, the loan interest rate shall not be lower than 1. 1 times the benchmark interest rate.
Related extensions:
For families who buy the first set of self-occupied housing in this city and the Taoxing construction area is above 90 square meters (including 90 square meters) or buy affordable housing, the down payment ratio of housing provident fund loans shall not be less than 20%; For families who purchase the first set of self-occupied housing with a floor area of over 90 square meters, the down payment ratio of housing provident fund loans shall not be less than 30%. The maximum loan limit for each household housing provident fund is 600,000 yuan.
In order to improve the living conditions to buy a second house, the maximum loan limit of each family housing provident fund is 400,000 yuan. The down payment ratio of the loan shall not be less than 50%. Suspension of housing provident fund loans to families who purchase non-improved second homes.
Stop lending to the family housing provident fund that buys the third and above houses.
Can't Zhengzhou provident fund loan buy improved housing?
Zhengzhou provident fund loan can buy improved housing. Improved housing can use provident fund loans. Improved house purchase mainly refers to dissatisfaction with the current living conditions and the need to re-purchase real estate to meet the living requirements. According to the different nature of the demand for improved housing, the demand for improved housing is generally divided into two categories: one is to buy a house because of the poor living conditions and the urgent need to improve the living environment; The other is that they have higher income, usually higher quality of life, are dissatisfied with the existing housing, and buy new houses in pursuit of higher quality of life after the emergence of new high-quality real estate.
The latest policy of housing provident fund loans in 2022
What's the new policy for provident fund?
1, you can borrow money from different places to buy a house.
Suppose Mr. Zhang paid the provident fund in city A and now wants to use the provident fund loan to buy a house in city B. You can:
A. consult the provident fund center of city b (loan city) for the required information;
B. Apply to the provident fund center of City A (the deposit city), and after the approval, the center will issue a certificate of deposit and use;
C. With the certificate of deposit and use, go to City B to apply for provident fund loan.
2. The down payment for the second suite of provident fund loans will be reduced to 20%.
From September 20 18, 1 year, the minimum down payment ratio has been reduced from 30% to 20% for families who own 1 house and settle the corresponding housing loans to improve their living conditions.
3. How to pay the housing provident fund?
Monthly deposit of housing provident fund = monthly deposit of employee housing provident fund = monthly deposit of unit housing provident fund.
Employee/unit housing provident fund monthly deposit amount = average monthly salary of employees/unit housing provident fund deposit ratio.
4. How to apply for provident fund housing loan?
A, workers and couples over 6 months can apply for provident fund housing loans;
B, the loan object is the paid-in employees who buy the first set of self-occupied housing or the second set of improved ordinary self-occupied housing, and may not be distributed to the paid-in employees' families who buy the third and above houses;
C, provident fund housing loan guarantee is mainly based on the purchased housing mortgage.
5. how to withdraw the provident fund from renting a house?
First, the full payment of housing provident fund for 3 months, I and my spouse in the city without their own housing and rental housing, can be extracted from the housing provident fund of both husband and wife to pay rent.
B, renting public rental housing, can be extracted in full according to the actual rental expenditure; Where commercial housing is leased, the local housing provident fund management committees shall determine the rent withdrawal amount according to the local market rent level and the rental housing area.
C. If you rent a public rental house, you need to provide a house lease contract and proof of rent payment; If you rent a commercial house, you need to provide proof of the real estate under your name and that of your spouse.
Purpose of provident fund 1: house purchase
A. if you don't borrow money to buy a house, you can withdraw the provident fund at one time;
B, commercial loans to buy a house can be withdrawn from the provident fund for the down payment;
C, commercial loans to buy a house can be withdrawn from the provident fund to repay the principal and interest;
D, provident fund (portfolio) loans can withdraw the provident fund to repay the principal and interest;
E, you can buy a house with a loan from a different place.
Purpose 2: Building, renovating and overhauling houses.
In rural collective land construction, renovation, overhaul of their own housing and the use of housing loans, workers and their spouses can apply for withdrawal of provident fund amount before the month of approval of building, and the total withdrawal amount does not exceed the cost of building.
Use of provident fund: renting a house
A, use the provident fund to pay the economic rental rent with rent or rent subsidy;
B, use the provident fund to pay the market rent.
Use of provident fund: parents buy houses for their children.
First, the parents can withdraw the provident fund if they do not use the housing loan to buy their own houses;
B, the use of commercial bank personal housing loans to buy their own housing, parents provident fund to pay the down payment can be withdrawn;
C, use the personal housing provident fund loan to buy your own house, and after paying the down payment, you can withdraw your parents' provident fund.
Five purposes of provident fund: treatment of major diseases
If family members (including employees themselves, spouses and minor children) suffer from major diseases or major operations for hospitalization, employees themselves and their spouses can apply for withdrawal of housing provident fund, and the application date should be within 1 year from the date of discharge, and the total withdrawal amount should not exceed the personal burden of hospitalization expenses.
Withdraw all balances from account cancellation:
A. divorce or retirement;
B, agricultural registered permanent residence employees over 60 years of age, women over 55 years of age;
C. Settle in foreign countries, Hong Kong, Macao and Taiwan;
D, completely losing the ability to work, mostly losing the ability to work or severely disabled, and dissolving or terminating the labor relationship in the unit;
E. receive unemployment insurance benefits;
F, was sentenced to punishment, registered permanent residence moved out of the city, not in the city registered permanent residence of workers and their units to terminate or terminate the labor relationship;
G. The housing provident fund account has been transferred to centralized storage for 2 years or the labor relationship with the original unit has been terminated for 2 years;
H those who work outside the administrative area of the city where they live, establish and deposit housing provident fund locally, can cancel their households and withdraw all the balance of the provident fund.
Included in the extraction and use of low-income or poor areas.
Workers included in the minimum living guarantee for urban residents or poor relief, I and my spouse can apply for withdrawal of housing provident fund, and the withdrawal amount does not exceed the amount of housing provident fund before being included in the minimum living guarantee or poor relief.
202 1 Shanghai Provident Fund Loan Rules
1. Shanghai provident fund loan application conditions: 1. Purchase owner-occupied housing with ownership in cities and towns of this city; 2. Deposit the housing provident fund normally 6 months before applying for a loan; 3. The borrower's family has no outstanding housing provident fund debt. 2. Shanghai provident fund loan processing location: if you apply for a pure provident fund personal housing loan, the borrower can handle it at the business outlet of Shanghai Housing Property Guarantee Co., Ltd.; If the amount of the provident fund loan is insufficient, the borrower may apply for a portfolio loan at each business outlet of the bank entrusted with the housing provident fund personal housing loan business. Three. Shanghai Provident Fund loan process: the borrower applies for a loan at the accepting outlets-the accepting outlets handle the property status inquiry under the family name-the accepting outlets accept-sign a contract-examine and approve-the real estate trading center handles the mortgage registration formalities-the bank lends money. Four. Time limit for Shanghai provident fund loan processing: the loan application materials are complete, and the review time limit does not exceed 10 working days; In line with the loan conditions, the accepting institution shall not extend the loan for more than 5 working days after receiving the "Real Estate Mortgage Registration Certificate". In addition, we should pay attention to the following issues: 1. When handling a pure provident fund loan, the identification of the first self-occupied housing and the improved second housing is based on the premise that the borrower's family (including the borrower, spouse and minor children) has no complete housing registration; The identification of purchasing an improved second house is based on the fact that the borrower's family (including the borrower, spouse and minor children) only holds one house in the registration information of the housing management department, and the per capita housing construction area is lower than that announced by the statistics department last year. The purchase of * * * housing with property rights protection is determined according to the first set of housing. 2. Relocation of property houses requires cash to make up the over-resettlement fee. Can I apply for a pure provident fund loan for the over-resettlement fee? To apply for pure provident fund loans for the relocation of property houses, in addition to meeting the application conditions for common commercial housing provident fund loans, it is necessary to obtain the written consent of the relocation team, and the purchased houses can be registered as mortgages. If it belongs to the nature of demolition and resettlement, and the house transfer transaction has a certain limited period, such houses are not allowed to apply for housing provident fund purchase loans during the restricted transfer transaction period.
Is Shanghai affordable housing provident fund loan feasible? What is the difference between Shanghai's affordable housing provident fund loan and the general commercial housing provident fund loan operation process? Today, I will give you a detailed list of the implementation details of the Shanghai affordable housing provident fund loan. I believe that after reading it, there will be no similar problems.
Shanghai issued detailed rules for purchasing affordable housing loans from provident fund, stipulating that borrowers must meet the conditions for applying for affordable housing and provident fund loans, and the down payment ratio for purchasing affordable housing loans from the borrower's spouse and affordable housing owners is set at 600,000 per household.
Detailed Rules for the Implementation of Shanghai Affordable Housing Provident Fund Loan
Article 1 (Purpose and Basis) In order to speed up the construction of Shanghai's housing security system and improve the ability of low-and middle-income workers in this city to buy affordable housing, according to the relevant national laws and regulations, the Measures for the Administration of Individual Housing Loans of Shanghai Housing Provident Fund (Hu Fufa [1999] No.27) and the Trial Measures for the Administration of Affordable Housing in Shanghai (Hu Fufa [2009] No.29).
Article 2 (Definition) The term "housing provident fund loans for individuals to purchase affordable housing" as mentioned in these Detailed Rules (hereinafter referred to as "housing provident fund loans for affordable housing") refers to housing provident fund loans for borrowers who meet the requirements for purchasing affordable housing and apply for housing provident fund loans for affordable housing.
Article 3 (Conditions for Loan Application) A borrower shall meet the following loan conditions at the same time:
(a) in line with the conditions for the purchase of affordable housing in this Municipality, and has signed the "Shanghai Pre-sale Contract for Affordable Housing" in accordance with relevant regulations;
(two) in line with the existing housing provident fund personal housing loan conditions.
Article 4 (* * * Same Borrower) In order to improve the fund-raising ability of families who purchase affordable housing, in addition to the borrower, the borrower's spouse and the owner of affordable housing should be the same borrower as the housing provident fund for affordable housing loans. The affordable housing other than the immediate blood relatives of the borrower and the property owner is the same as that of the applicant, and can be used as the borrower of the housing provident fund affordable housing loan with my consent. * * * The borrower shall meet the application conditions for housing provident fund loans at the same time.
Article 5 (Determination of Loan Amount) The calculation method of the loan amount of each household's housing provident fund affordable housing is based on the household, and the borrower and * * * together with the borrower calculate the loan amount separately and accumulate it. The specific loan amount is determined according to the application amount of the borrower and * * * and the current loan limit standard. The amount of housing provident fund affordable housing loans for each household shall reach the following limits:
(a) not higher than the loan limit determined by the borrower and the borrower according to the multiple of the storage balance of their respective housing provident fund accounts;
(two) the down payment ratio is not less than 20% of the total house price;
(3) Not higher than the loan limit determined according to the repayment ability. The calculation formula is as follows: the borrower, * * * and the borrower calculate the monthly contribution of housing provident fund, salary base × specified ratio × 12 months× loan period;
(4) Not higher than the maximum loan amount. The maximum loan amount for each family housing provident fund affordable housing is 600,000 yuan.
Article 6 (Supplementary Repayment) When the borrower of housing provident fund affordable housing loan has difficulties in repayment, the borrower and the borrower may apply to Shanghai Provident Fund Management Center (hereinafter referred to as "Shanghai Provident Fund Center") for supplementary repayment. The scope of supplementary repayment includes: parents, children, brothers and sisters of the borrower. With the consent of the supplementary repayment person and the approval of the municipal provident fund center, after signing the relevant supplementary agreement, the balance of the housing provident fund deposited by the supplementary repayment person can be used to repay the housing provident fund affordable housing loan.
Article 7 (Provision of Materials) When applying for housing provident fund loans for affordable housing, the borrower shall provide the Shanghai Pre-sale (Sales) Contract for Affordable Housing (original) in addition to the materials that should be provided for the current loan application.
To apply for increasing the housing provident fund to supplement the repayment of affordable housing loans, the account number, ID card (original) and proof of the relationship with the borrower should also be provided.
Article 8 (Loan Accepting Unit) The district and county management departments of the Municipal Provident Fund Center, the housing provident fund online loan system and the handling outlets of the guarantee institutions entrusted by the Municipal Provident Fund Center to undertake the personal loan business of housing provident fund may accept applications and handle the work of affordable housing loans in this Municipality.
Article 9 (Loan Audit) The acceptance and audit of housing provident fund affordable housing loans shall be conducted according to the following steps:
(a) the loan acceptance unit to review the borrower's housing provident fund affordable housing loan application materials.
(two) the loan accepting unit shall complete the audit work within 2 working days after the loan applicant submits the loan application materials.
(3) If a loan is issued, the loan accepting unit shall notify the loan applicant to go through the signing formalities, and issue a loan notice to the entrusted bank, and the entrusted bank shall go through the loan formalities; If the loan is not approved, notify the loan applicant and return the materials.
(four) if the loan applicant has any objection to the loan acceptance result, he may apply for reconsideration to the municipal provident fund center through the loan acceptance unit.
Article 10 (Signing of Contract) The borrower, * * * and the borrower, the entrusted bank and the guarantor sign the "Shanghai Housing Provident Fund Individual Purchase of Affordable Housing Guarantee Loan Contract" in a face-to-face manner. The signatory of a contract must have full capacity for civil conduct.
Article 11 (Loan Guarantee) Housing provident fund affordable housing loans shall be guaranteed, and the guarantee institution shall be the guarantor of joint liability for repayment. The borrower and the borrower shall mortgage the property right of the purchased affordable housing in full to the guarantee institution as a counter-guarantee.
Article 12 (Prevention of Loan Risks) The loan accepting unit shall conduct the audit of housing provident fund affordable housing loans in strict accordance with the above provisions; The loan management department should strengthen the management and supervision before, during and after the loan; The loan guarantee institution shall, according to the requirements of business entrustment, do a good job in loan guarantee and loan follow-up.
Article 13 (Withdrawal before Lending) After the borrower has paid more than 20% of the total price of the purchased affordable housing, he can apply to the Municipal Provident Fund Center to withdraw the storage balance in the housing provident fund account of himself and the eligible * * * extractors to pay the purchase price of affordable housing other than loans. After withdrawal, the borrower's housing provident fund account should have a certain balance to ensure that the calculation of the housing provident fund affordable housing loan amount is not affected.
Article 14 (Other Matters) _ Matters not covered in these Detailed Rules shall be implemented in accordance with the relevant provisions of this Municipality's housing provident fund loans and the provisions of the Shanghai Housing Provident Fund Individual Purchase Guaranteed Housing Loan Contract.
Article 15 (Organization and Implementation) The Municipal Provident Fund Management Center shall be responsible for interpreting and organizing the implementation of these Detailed Rules.
Article 16 (Implementation Time) _ These Detailed Rules shall come into force as of the date of promulgation, and the Detailed Rules for the Implementation of Individual Purchase of Affordable Housing Loans by Shanghai Housing Provident Fund (Trial) shall be abolished at the same time.