Where the employee's unit owes the provident fund, but the unit has formulated a supplementary plan in accordance with the regulations and paid the provident fund as planned, it shall be regarded as continuous deposit.
2, provident fund loans can only be used for the purchase, construction, renovation, overhaul occupied housing.
Second, the loan conditions
The borrower shall meet the following conditions when applying for provident fund loans:
1. Possess a permanent urban residence in this city or other valid residence identification documents.
2. Have a stable occupation and income, good personal credit and the ability to repay the loan principal and interest in full.
3, in accordance with the provisions of the purchase, construction, renovation and overhaul of self-occupied housing self financing.
4, with the purchase, construction, renovation, overhaul occupied housing legal and valid proof.
5. It has the guarantee methods (mortgage, pledge and guarantee) recognized by Nanyang Housing Provident Fund Management Center (hereinafter referred to as the city center), and can provide effective and full guarantee recognized by the city center.
6. Meet the requirements of application restrictions. If a new house is purchased, the purchase price shall be paid in advance from the date of signing the purchase contract to within one year after payment; The newly built or rebuilt owner-occupied housing has not been completed within one year from the date of approval of the planning department; Has been completed, within one year from the date of issuance of the housing property certificate or land use certificate; The purchase of second-hand houses should be within one year from the date of issuing deed tax bills or real estate licenses.
7. Other provisions. After the borrower purchases a house and withdraws the provident fund, he must pay the provident fund in full for more than one year before he is eligible to apply for a provident fund loan; A third person who provides provident fund loans to others may not apply for provident fund loans if the third person guarantees that the guarantee responsibility has not been lifted; If the provident fund loan has not been paid off or has a bad repayment record, the loan will not be processed; After paying off the loan for one year, employees who meet the loan conditions can get a second loan.
Three. Loan amount, term and interest rate
1, and the amount of a single provident fund loan is the lowest value calculated by the following four items.
(1) Maximum loan limit. If both husband and wife pay provident fund, the maximum loan amount is 200,000 yuan; If one of the husband and wife or a single employee pays the provident fund, the maximum loan amount shall not exceed 6,543,800 yuan.
(2) the limit determined according to a certain proportion of the house price. The purchase of new housing, second-hand housing, resettlement housing, the loan amount shall not exceed 70% of the purchase price; For new construction, renovation and overhaul of houses, the loan amount shall not exceed 70% of the project cost. The project cost is determined by each management department according to the area specified in the construction project planning permit and the local average cost.
(3) The limit determined according to the assessed value of the collateral. If the collateral is a multi-storey apartment, the loan limit shall be calculated at 70% of the present value of the appraisal; For self-built houses, the loan limit is calculated at 50% of the present value of real estate appraisal (including land).
(4) The loan limit determined according to the repayment ability. The monthly repayment amount is not higher than the borrower's repayment ability, and the monthly repayment ability of the borrower and his spouse is calculated as 50% of the total monthly salary.
2. The longest loan period shall not exceed 20 years; The age of the borrower and the guarantor plus the loan period shall not exceed the statutory retirement age.
3 provident fund loan interest rate according to the interest rate standard published by the People's Bank of China; If the loan term is more than one year, in case of interest rate adjustment, the new interest rate standard will be implemented according to the corresponding interest rate grade from the following year 1 month 1. One-year execution contract interest rate.
Fourth, loan guarantee.
Provident fund loan guarantee methods include existing house mortgage, forward house mortgage, employee joint guarantee, guarantee company guarantee and pledge.
1. Existing home mortgage refers to the mortgage of the borrower's own property right, * * property right or the property right certificate of a third party. If the borrower takes the existing housing mortgage as a guarantee, he must go through the formalities of housing mortgage registration according to law. If the borrower mortgages the house owned by * * * or a third party, it must obtain the consent of * * * or a third party.
2. The mortgage of faster house means that the borrower takes the purchased faster house as the mortgage. If the borrower adopts the method of faster mortgage, the seller shall sign a joint liability guarantee with the city center and handle the pre-registration procedures of faster mortgage according to law.
3. Employees' joint guarantee means that employees with loan qualifications provide guarantees for others' loans. According to the ratio of the balance of the provident fund paid by the borrower, spouse and guarantor to the amount of the loan applied for, it is determined that one person, two people or three people will jointly guarantee it. The specific proportion is determined according to the maximum loan limit and the deposit of provident fund in different periods. At present, a loan of less than 80 thousand yuan can be guaranteed by one person if the deposit balance reaches more than 35% of the loan amount; For a loan of 8- 1.5 million yuan, if the deposit balance reaches more than 30% of the loan amount, it can be guaranteed by two people; If the loan with a balance of more than 654.38+0.5 million yuan reaches more than 25%, it will be guaranteed by three people; If the above guarantee conditions are not met, choose other forms of guarantee.
4. If the loan guarantee is provided by a guarantee company, the guarantee company shall be the guarantor of joint liability for repayment of the loan. The guarantee company shall sign a guarantee contract or agreement with the borrower and the entrusted bank, and have the right to require the borrower to provide counter-guarantee.
5. If the borrower uses securities as collateral, the amount of securities shall not be less than the loan principal and interest. Securities must be kept by the entrusted bank. After the borrower repays the principal and interest according to the loan contract, the entrusted bank will return the pledged securities to the borrower.
6. Where existing homes are mortgaged, employees jointly guarantee or securities are pledged, the mortgagor, guarantor or pledgor shall sign a written mortgage, guarantee or pledge contract with the entrusted bank.
Verb (abbreviation of verb) loan information
1. Identity cards of the borrower, spouse, guarantor or mortgagor and * * * owner.
2. The household registration book of the borrower, spouse, guarantor or mortgagor and * * * owner.
3. Income certificates issued by the borrower, spouse and guarantor.
4. Valid proof of the borrower's marital status (both husband and wife are registered in the same household registration book and do not need a marriage certificate; If the borrower is unmarried, the relevant unit shall issue a certificate; Divorce provides divorce certificate or court judgment).
5. Procurement and building materials. For the purchase of commercial housing and affordable housing, provide a legal and effective purchase contract and a down payment receipt of more than 30%; Purchase second-hand houses and provide sales contracts and deed tax bills; The purchase of units to raise funds, directional development of housing, provide construction planning permits, employees and units signed a purchase agreement and more than 30% down payment receipt; The purchase of resettlement housing, provide demolition permits, demolition compensation agreement; To build a house, provide a construction project planning permit and a land use certificate; If the house is renovated, the construction project planning permit and property right certificate of the renovated house shall be provided; Overhaul housing, provide housing quality appraisal certificate and overhaul housing property certificate.
6. Guarantee materials. If the existing house is mortgaged, provide the appraisal report, real estate license (other certificate), land use certificate or proof that the land is not mortgaged issued by the appraisal agency recognized by the city center; If the house is mortgaged by the auction house, the selling unit shall sign a phased joint liability guarantee with the city center, and provide the construction permit, land use permit and pre-sale permit of commercial housing. The guarantor's identity certificate, household registration certificate and income certificate provided by the employee joint guarantee; If it is guaranteed by a guarantee company, provide a letter of guarantee company approved by the city center; Pledge guarantee, providing the pledge recognized by the city center.
Intransitive verb loan procedure
1. The borrower consults with the housing provident fund management department (hereinafter referred to as the management department) of each jurisdiction, and if he can obtain the loan, he shall receive the Application Form for Provident Fund Loan and other materials according to different situations, which shall be filled in by the borrower.
2. The borrower shall prepare the required relevant materials and submit them to the management department for preliminary examination and review. The contents of the review mainly include whether the housing consumption behavior is true and effective, and whether the down payment reaches the prescribed proportion; Provident funds paid by borrowers, spouses, guarantors and their units; Whether the borrower's family income is true and stable, and whether it has sufficient repayment ability; Whether the identity documents are true and valid; Whether the loan guarantee is reliable. If there is any objection to the loan, it is necessary to conduct a pre-loan investigation. If the loan project has not started, the loan will not be granted.
3. The management department determines the loan amount, term and interest rate through preliminary examination and audit, signs the preliminary examination and audit opinions and submits them to the city center for approval in time.
4. For the loan approved by the city center, the entrusted bank shall personally sign the loan contract and guarantee contract with the borrower within 15 working days from the date of acceptance, improve the mortgage and pledge procedures, and transfer the loan funds into the designated account.
The funds are uniformly allocated by the city center. If the funds cannot meet the loan demand, the waiting list will be implemented in the order of acceptance. Each management department shall complete the preliminary examination, review and approval within 10 working days from the date of acceptance, and notify the borrower to receive the approval materials.
Seven. Loan repayment
1. The repayment of the provident fund loan shall be in the form of equal principal and interest repayment, and the borrower shall repay the loan principal and interest on a monthly basis according to the loan contract.
2. If the loan term is less than one year (including one year), the principal and interest will be repaid at the maturity; If the loan term exceeds one year, it will be repaid monthly.
3. The borrower shall repay all the loan principal and interest in advance in one lump sum, which shall be handled after the loan is over one year.
4. The borrower will not charge liquidated damages for prepayment.
Eight. Post-loan management
All management departments should implement the system of loan responsible person, strengthen post-loan management and deal with breach of contract: for borrowers who are in arrears for 2-6 months, they should collect money at home; For borrowers who are in arrears from June to September, a lawyer's letter will be issued for collection; For those who fail to pay back for more than 9 months or maliciously, apply to the court for enforcement through legal channels; If false certificates are provided for suspected fraud or unauthorized change of loan use or misappropriation of loans, the collateral shall be recovered or disposed of in advance according to law. We should conscientiously do a good job in analyzing the operation of loan funds, and submit a detailed report on the recovery of provident fund loans and outstanding and overdue loans to the downtown credit department every month.
Nine. Supervision and inspection
The downtown credit department is responsible for inspecting and supervising the provident fund loan business handled by the entrusted banks, real estate appraisal agencies, guarantee companies and various management departments, and accepting complaints from employees about the loan business.
1. Check and supervise the loan business of various management departments according to the loan regulations in the city center, and severely deal with the loan losses caused by lax loan review, abuse of power and dereliction of duty according to the internal management system.
2. According to the entrusted loan agreement signed between the downtown and the entrusted bank, the entrusted bank conducts an inspection every year according to the issuance, recovery and overdue of provident fund loans. The contents of the inspection include: whether the provident fund loan approved by the city center is paid to the borrower in time according to the agreed time limit, and whether the loan is issued beyond the authority; Whether the loan principal and interest are deducted normally every month according to the loan contract, and whether the deducted loan principal and interest are transferred to the downtown account in time; Whether according to the requirements of asset classification, the monthly statistics of unpaid and overdue households of provident fund loans are timely, and submitted to the management departments in the city center; Whether to take effective measures to assist the collection.
According to the inspection, ask the entrusted bank to correct the existing problems or deduct the handling fee of the entrusted bank, cancel the loan business qualification or transfer the provident fund deposit according to the loan agreement of the entrusted bank.
3. Conduct random sampling inspection on the appraisal report issued by the real estate appraisal agency, supervise the appraisal of the collateral value by the appraisal agency, strengthen the management of the appraisal agency, and deal with the problems in a timely manner according to the agreement until it is disqualified from handling the mortgage value appraisal business of provident fund loans.
4. Learn about the guarantee business, deposit account and existing home mortgage registration of the guarantee company from the auction house in time. If it is found that the borrower fails to repay the loan principal and interest on time as agreed in the loan contract, it shall promptly notify the entrusted bank in writing to directly transfer the loan principal and interest from the deposit account as agreed.
5. For real estate development units, pre-registered provident fund loans are used for faster mortgage, or regularly check the progress of developers and projects, track and investigate the loaned properties, and promptly urge developers to handle the mortgage registration procedures for faster mortgage to existing houses.
hope this helps