In order to further strengthen the management of housing provident fund loans, support and help cadres and workers in this county to purchase and build self-occupied houses, and improve living conditions, the Conditions and Procedures for Applying for Housing Provident Fund Loans in Fengshun County (hereinafter referred to as "Procedures") are formulated in accordance with the relevant provisions of the Regulations on the Management of Housing Provident Fund promulgated by the State Council and the Conditions and Procedures for Applying for Housing Provident Fund Loans in Meizhou City, combined with the actual situation in Fengshun. The "Measures" are applicable to employees who have paid housing provident fund within the jurisdiction of Fengshun County Sub-center of Meizhou Housing Provident Fund Management Center.

I. Conditions for applying for housing provident fund loans

The object of applying for housing provident fund loans refers to the employees who have implemented the housing provident fund system in accordance with the regulations and paid the provident fund in full for more than one year (including one year). Apply for housing provident fund loans to households as loan application units.

Apply for housing provident fund loans must also meet the following conditions:

(a) with the county town hukou;

(two) continuous full deposit of housing provident fund for more than one year;

(three) a stable source of income and the ability to repay the principal and interest of the loan;

(four) signed a contract for the sale of commercial housing and paid the down payment for the purchase, purchased the "second-hand building" and obtained the Property Ownership Certificate, and built the self-occupied housing in the planning area of the county or central town;

(5) meeting other conditions agreed by the trustor and the trustee.

After paying off the principal and interest of the housing provident fund loan, the borrower can still apply for the housing provident fund loan when purchasing the owner-occupied housing again.

Two, the amount, duration and interest rate of housing provident fund loans

65,438+0. The loan amount is determined according to the local house price, the balance of provident fund deposit, personal repayment ability and other factors: the husband and wife shall not exceed 654.38+10,000 yuan (the unilateral contribution of provident fund shall not exceed 60,000 yuan). When the loan amount of housing provident fund is insufficient to pay the purchase price, the applicant may apply to the bank for commercial mortgage loan at the same time and sign a contract separately.

2. The longest period for applying for housing provident fund loans shall not exceed 15 years.

3, housing provident fund loan interest rate, in accordance with the provisions of the people's Bank of China housing provident fund personal housing loan interest rate.

Three, housing provident fund loans should be submitted to the materials and procedures.

1, the procedures that meet the requirements for applying for housing provident fund personal housing mortgage loans are:

(1) Go to the housing provident fund management department to receive and fill in the housing provident fund loan approval form;

(2) Provide the income certificate issued by the unit and sign the letter of commitment;

(3) Submit the house purchase contract, the down payment invoice, or the property ownership certificate, the house price evaluation report, the ID card of the lender and the husband and wife, the marriage certificate, the household registration book, the bank passbook and other related materials to the housing provident fund management department for examination and handling;

(4) The Housing Provident Fund Management Department conducts credit investigation and income investigation on the lender, and puts forward investigation opinions. After the approval of the director of the branch, the "Notice on Entrusted Loan Issuance of Housing Provident Fund" will be issued and sent to the designated bank for loan issuance.

(5) After receiving the Notice of Entrusted Loan Issuance and other relevant materials, the entrusted bank shall review the materials, go through the formalities of guarantee, mortgage and insurance, and sign a loan contract with the borrower.

(6) After completing the relevant procedures, the housing provident fund management department will issue a deposit certificate and the bank will issue loans.

2. The mortgagee of the housing provident fund loan is Fengshun County Branch of Meizhou Housing Provident Fund Management Center, and the mortgage term of the collateral is the same as the loan term.

The relevant expenses of the housing provident fund loan shall be paid by the borrower. In principle, loans are issued according to the contract signed by the borrower for the purchase and construction of self-occupied housing, and the transfer money is directly transferred to the account of the developer or contractor, and generally not paid to the borrower in cash.

Four. Repayment of housing provident fund loans

1. The borrower shall repay the loan principal and interest on time every month according to the terms of the signed loan contract. If the principal and interest of the loan are not repaid within the time limit, the overdue part will bear interest by 30% on the basis of the loan interest rate agreed in the original loan contract. If the borrower fails to repay the loan principal and interest as agreed in the loan contract for six consecutive months, the trustee has the right to notify the borrower to fulfill his promise.

2. If the borrower has any of the following circumstances, the trustee may dispose of the collateral according to law:

(a) the borrower violates the terms of the loan contract;

(two) the borrower fails to repay the principal and interest in accordance with the provisions of the loan contract;

(3) After the borrower dies, is declared dead, is missing or loses the capacity for civil conduct during the repayment period, there is no heir, legatee or guardian, or his successor, legatee or guardian refuses to perform the terms of this contract.

3. If the borrower borrows for more than one year, he may apply for repayment of the loan principal and interest in advance. After the borrower pays off all the principal and interest of the loan, the trustee shall return the mortgaged property certificate and other rights and interests certificates to the borrower within 15 days, and go through the mortgage registration cancellation procedures at the Housing Authority.

4. If the borrower fails to perform the loan contract and disposes of the collateral through price transfer or auction through negotiation, the proceeds shall be distributed in the following order:

(1) Paying the expenses for disposing of the mortgaged property;

(2) Deduct taxes and fees related to the disposal of collateral;

(3) Repaying the loan principal and interest, liquidated damages and compensation owed by the borrower;

(4) If the proceeds from the disposal of the collateral are insufficient to pay the principal and interest of the loan and liquidated damages, the trustee has the right to recover from the borrower and guarantor for the insufficient part.

Verb (short for verb) Time limit for completion

The housing provident fund management department shall review the relevant information provided by the employees, and settle the loan within 10 working days if it meets the housing provident fund loan conditions; Do not meet the conditions of housing provident fund loans, should make a reply within days.