On the national reserve fund policy:

Decision of the State Council Municipality on Amending the Regulations on the Management of Housing Provident Fund

decree of the state council of the people's republic of china

No.350

The Decision of the State Council Municipality on Amending the Regulations on the Management of Housing Provident Fund is hereby promulgated and shall come into force as of the date of promulgation.

Premier Zhu Rongji

March 24(th), 2002

Decision of the State Council Municipality on Amending the Regulations on the Management of Housing Provident Fund

The State Council has decided to make the following amendments to the Regulations on the Management of Housing Provident Fund:

1. Paragraph 2 of Article 2 is amended as: "The housing accumulation fund mentioned in these Regulations refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations (hereinafter collectively referred to as units) and their employees."

2. Paragraph 2 of Article 7 is amended as: "The construction administrative departments of the people's governments of provinces and autonomous regions, together with the financial departments at the same level and the branches of the People's Bank of China, shall be responsible for supervising the implementation of the regulations and policies on housing provident fund management within their respective administrative areas."

3. Article 8 is amended as: "The cities where the people's governments of municipalities directly under the central government, provinces and autonomous regions are located and other cities with districts (prefectures and leagues) shall set up housing provident fund management committees as decision-making bodies for housing provident fund management. Among the members of the Housing Provident Fund Management Committee, the heads of the people's government, construction, finance, the People's Bank and other relevant departments and relevant experts account for 1/3, trade union representatives and employee representatives account for 1/3, and unit representatives account for 1/3. " "The director of the Housing Provident Fund Management Committee should be a person with social credibility." Accordingly, the "Housing Committee" in Article 4, Article 9, Article 11, Article 18, Article 20, Article 28, Article 31 and Article 32 is amended as "Housing Provident Fund Management Committee".

Four. One item is added as item 5 in Article 9: "(5) Deliberating the distribution scheme of value-added income of housing provident fund". Item 5 of Article 9 is changed to Item 6.

5. Article 10 is amended as: "The cities where the people's governments of municipalities directly under the central government, provinces and autonomous regions are located and other cities divided into districts (prefectures and leagues) shall set up housing provident fund management centers to be responsible for the management and operation of housing provident fund according to the principle of simplification and efficiency. Counties (cities) do not set up housing provident fund management centers. " "The housing provident fund management center specified in the preceding paragraph may set up branches in counties (cities) where conditions permit. The housing provident fund management center and its branches shall implement unified rules and regulations and conduct unified accounting. " "The Housing Provident Fund Management Center is a non-profit independent institution directly under the Municipal People's Government."

6. Paragraph 1 of Article 12 is amended as: "The Housing Provident Fund Management Committee shall, in accordance with the relevant provisions of the People's Bank of China, designate commercial banks entrusted with the financial business of housing provident fund (hereinafter referred to as the entrusted banks); The housing provident fund management center shall entrust the entrusted bank to handle the financial services such as housing provident fund loans and settlement, and the procedures for the establishment, deposit and return of housing provident fund accounts. "

7. Item 4 of Paragraph 1 of Article 24 is amended as: "(4) Those who have left the country to settle down."

8. One article is added as Article 39: "If the Housing Provident Fund Management Committee examines and approves the use plan of the housing provident fund in violation of the provisions of these Regulations, the construction administrative department of the State Council shall, jointly with the financial department of the State Council or the construction administrative department of the people's government of the province or autonomous region, jointly with the financial department at the same level, order it to make corrections within a time limit according to the management authority."

One article is added as Article 40: "If the housing provident fund management center violates the provisions of these Regulations and commits any of the following acts, the construction administrative department of the State Council or the construction administrative department of the people's government of the province or autonomous region shall order it to make corrections within a time limit according to its management authority; The responsible person in charge and other directly responsible personnel shall be given administrative sanctions according to law:

(a) failing to set up a housing provident fund account in accordance with the provisions;

(two) failing to approve the withdrawal and use of housing provident fund by employees in accordance with the regulations;

(3) Failing to use the value-added income of the housing provident fund in accordance with the provisions;

(4) Entrusting institutions other than banks designated by the Housing Provident Fund Management Committee to handle the housing provident fund financial business;

(five) did not establish a detailed account of employee housing provident fund;

(six) did not issue a valid certificate of housing provident fund deposit to the employees who paid the housing provident fund;

(seven) not in accordance with the provisions of the purchase of housing provident fund bonds. "

10. Article 39, as Article 41, is amended as: "If the housing provident fund is misappropriated in violation of the provisions of these Regulations, the construction administrative department of the State Council or the construction administrative department of the people's government of the province or autonomous region shall recover the misappropriated housing provident fund according to the management authority and confiscate the illegal income; The person in charge of the people's government who misappropriates or approves the misappropriation of housing provident fund, the person in charge of the housing provident fund management center and other directly responsible personnel shall be investigated for criminal responsibility according to the provisions of the Criminal Law on the crime of misappropriating public funds or other crimes; If it is not serious enough for criminal punishment, it shall be given administrative sanctions of demotion or dismissal. "

Eleven, one article is added as Article 42: "If the housing provident fund management center violates financial laws and regulations, the financial department shall give administrative punishment according to law."

According to the above amendments, the order of some articles is adjusted accordingly.

This decision shall come into force as of the date of promulgation.

The Regulations on the Administration of Housing Provident Fund shall be revised and re-promulgated according to this decision.

Regulations on the administration of housing provident fund

(Decree No.262 of the State Council of the People's Republic of China was promulgated on April 3, 2009, and revised according to the Decision of the State Council on Revision)

Chapter I General Provisions

Article 1 These Regulations are formulated in order to strengthen the management of housing provident fund, safeguard the legitimate rights and interests of the owners of housing provident fund, promote urban housing construction and improve the living standards of urban residents.

Article 2 These Regulations shall apply to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC).

The term "housing accumulation fund" as mentioned in these Regulations refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units and social organizations (hereinafter referred to as units) and their employees.

Article 3 The housing accumulation fund paid by individual employees and the housing accumulation fund paid by the unit where employees work for employees belong to individual employees.

Article 4 The management of housing provident fund shall follow the principles of decision-making by the housing provident fund management committee, operation of the housing provident fund management center, special account storage and financial supervision.

Article 5 The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of self-occupied housing by employees, and no unit or individual may use it for other purposes.

Article 6 The deposit and loan interest rate of housing provident fund shall be proposed by the People's Bank of China, and submitted to the State Council for approval after consulting the construction administrative department of the State Council.

Seventh the State Council municipal construction administrative departments in conjunction with the the State Council municipal finance department, the people's Bank of China to develop housing provident fund policy, and supervise the implementation.

The construction administrative departments of the people's governments of provinces and autonomous regions shall, jointly with the financial departments at the same level and the branches of the People's Bank of China, be responsible for supervising the implementation of the regulations and policies on housing provident fund management within their respective administrative areas.

Chapter II Institutions and Their Duties

Eighth municipalities directly under the central government, provinces and autonomous regions where the people's government is located and other cities divided into districts (prefectures and leagues) shall set up housing provident fund management committees as decision-making bodies for housing provident fund management. Among the members of the Housing Provident Fund Management Committee, responsible persons and relevant experts from the people's government, construction, finance, People's Bank and other relevant departments account for 1/3, trade union representatives and employee representatives account for 1/3, and unit representatives account for 1/3.

The director of the housing provident fund management committee shall be a person with social credibility.

Ninth housing provident fund management committee shall perform the following duties in the management of housing provident fund:

(a) according to the relevant laws, regulations and policies, formulate and adjust the specific management measures of housing provident fund, and supervise the implementation;

(two) according to the provisions of article eighteenth of this Ordinance, formulate the specific deposit ratio of housing provident fund;

(three) to determine the maximum loan amount of housing provident fund;

(four) approval of housing provident fund collection and use plan;

(five) to consider the housing provident fund value-added income distribution plan;

(six) to examine and approve the report on the implementation of the plan for the collection and use of housing provident fund.

Article 10 The cities where the people's governments of municipalities directly under the central government, provinces and autonomous regions are located and other cities divided into districts (prefectures and leagues) shall set up housing provident fund management centers in accordance with the principle of simplification and efficiency, and be responsible for the management and operation of housing provident fund. County (city) does not set up housing provident fund management center.

The housing provident fund management center specified in the preceding paragraph may set up branches in qualified counties (cities). The housing provident fund management center and its branches shall implement unified rules and regulations and conduct unified accounting.

Housing provident fund management center is an independent institution directly under the Municipal People's Government, which is not for profit.

Eleventh housing provident fund management center shall perform the following duties:

(a) the preparation and implementation of housing provident fund collection and use plan;

(two) responsible for recording the deposit, withdrawal and use of employee housing provident fund;

(three) responsible for the accounting of housing provident fund;

(four) to approve the extraction and use of housing provident fund;

(five) responsible for the preservation and return of housing provident fund;

(six) the preparation of housing provident fund collection and use plan implementation report;

(seven) to undertake other matters decided by the housing provident fund management committee.

Twelfth housing provident fund management committee shall, in accordance with the relevant provisions of the People's Bank of China, designate a commercial bank entrusted with the financial business of housing provident fund (hereinafter referred to as the entrusted bank); The housing provident fund management center shall entrust the entrusted bank to handle financial services such as housing provident fund loans and settlement, as well as the establishment, deposit and return procedures of housing provident fund accounts.

The housing provident fund management center shall sign an entrustment contract with the entrusted bank.

Chapter III Deposits

Thirteenth housing provident fund management center shall set up a housing provident fund account in the entrusted bank.

The unit shall go to the housing provident fund management center for the registration of housing provident fund deposit, and after being audited by the housing provident fund management center, set up a housing provident fund account for its employees at the entrusted bank. Each employee can only have one housing provident fund account.

The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund.

Fourteenth newly established units shall, within 30 days from the date of establishment, go to the housing provident fund management center for registration of housing provident fund deposit, and within 20 days from the date of registration, set up housing provident fund accounts for their employees at the entrusted bank.

In case of merger, division, cancellation, dissolution, bankruptcy, etc., the original unit or liquidation organization shall, within 30 days from the date of the above-mentioned situation, go to the housing provident fund management center to handle the change or cancellation of registration, and within 20 days from the date of completing the change or cancellation of registration, go to the entrusted bank to handle the transfer or sealing of the housing provident fund account for the employees of the unit with the audit documents of the housing provident fund management center.

Fifteenth units to hire employees, should be within 30 days from the date of employment to the housing provident fund management center for deposit registration, and with the housing provident fund management center audit documents, to the entrusted bank for the establishment or transfer of employee housing provident fund accounts.

Where the unit terminates the labor relationship with the employee, the unit shall, within 30 days from the date of termination of the labor relationship, go to the housing provident fund management center to register the change, and go to the entrusted bank to handle the transfer or sealing procedures of the employee housing provident fund account with the audit documents of the housing provident fund management center.

Article 16 The monthly deposit amount of employee housing provident fund shall be the average monthly salary of the employee in the previous year multiplied by the deposit ratio of employee housing provident fund.

The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit.

Seventeenth new employees began to pay the housing provident fund from the second month of work, and the monthly deposit amount was the employee's own salary multiplied by the employee's housing provident fund deposit ratio.

The newly transferred employees of the unit shall pay the housing provident fund from the date when the transferred employees pay their wages, and the monthly deposit amount shall be the employee's monthly salary multiplied by the employee's housing provident fund deposit ratio.

Eighteenth employees and units housing provident fund deposit ratio shall not be less than 5% of the average monthly salary of employees in the previous year; Conditional cities can appropriately increase the deposit ratio. The specific deposit ratio shall be drawn up by the Housing Provident Fund Management Committee and submitted to the people's governments of provinces, autonomous regions and municipalities directly under the Central Government for approval after being audited by the people's governments at the corresponding levels.

Article 19 The housing accumulation fund paid by individual employees shall be withheld and remitted from their wages by their units.

The unit shall remit the housing provident fund paid by the unit and remitted for the employees to the housing provident fund account within 5 days from the date of monthly payment of employees' wages, and the entrusted bank will transfer it to the employee housing provident fund account.

Twentieth units shall pay the housing provident fund in full and on time, and shall not pay it overdue or underpaid.

Units with real difficulties in depositing housing provident fund can reduce the proportion of deposit or defer payment after discussion and adoption by the workers' congress or trade union of the unit, and after examination by the housing provident fund management center and approval by the housing provident fund management committee; After the economic benefits of the unit improve, the deposit ratio will be increased or the overdue payment will be postponed.

Twenty-first housing provident fund from the date of deposit in the employee housing provident fund account, according to the interest rate prescribed by the state.

Twenty-second housing provident fund management center shall issue effective housing provident fund deposit certificates for employees who deposit housing provident fund.

Twenty-third units to pay housing provident fund for employees, charged in accordance with the following provisions:

(a) the organs charged in the budget;

(two) institutions approved by the financial sector in the budget or expenses;

(3) The enterprise shall be charged in the cost.

Chapter IV Extraction and Use

Twenty-fourth employees in any of the following circumstances, you can withdraw the balance of storage in the employee housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.

Twenty-fifth workers from the housing provident fund account balance, the unit shall verify, and issue a certificate of extraction.

Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures.

Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.

The risk of housing provident fund loans shall be borne by the housing provident fund management center.

Twenty-seventh applicants for housing provident fund loans shall provide guarantees.

Twenty-eighth housing provident fund management center in the premise of ensuring the housing provident fund withdrawal and loans, approved by the housing provident fund management committee, housing provident fund can be used to buy government bonds.

The housing provident fund management center shall not provide guarantees to others.

Article 29 The value-added income of housing provident fund shall be deposited in the special account for value-added income of housing provident fund opened by the housing provident fund management center in the entrusted bank, which shall be used for establishing the risk reserve for housing provident fund loans, the management expenses of the housing provident fund management center and the supplementary funds for urban low-rent housing construction.

Article 30 The management fee of the housing provident fund management center shall be compiled by the housing provident fund management center in accordance with the prescribed standards, and after being approved by the financial department of the people's government at the same level, it shall be extracted from the value-added income of the housing provident fund and allocated by the finance at the same level.

The management fee standard of the housing provident fund management center shall be formulated by the construction administrative departments of the people's governments of provinces, autonomous regions and municipalities directly under the Central Government in conjunction with the financial departments at the same level in accordance with the charging standards of institutions slightly higher than those stipulated by the state.

Chapter V Supervision

Article 31 The financial department of the local people's government concerned shall strengthen supervision over the collection, withdrawal and use of housing provident fund within its administrative area, and notify the housing provident fund management committee of the people's government at the corresponding level.

Housing provident fund management center in the preparation of housing provident fund collection, use plan, it should seek the views of the financial sector.

Housing provident fund management committee in the examination and approval of housing provident fund collection, use plan and plan implementation report, must have the financial sector to participate.

Thirty-second housing provident fund management center to prepare the annual budget and final accounts of housing provident fund, should be audited by the financial sector, submitted to the housing provident fund management committee for consideration.

The housing provident fund management center shall regularly submit financial reports to the financial department and the housing provident fund management Committee every year, and publish the financial reports to the public.

Thirty-third housing provident fund management center shall accept the audit supervision of the audit department according to law.

Thirty-fourth housing provident fund management center and employees have the right to urge units to perform the following obligations on time:

(a) housing provident fund deposit registration or change, cancellation of registration;

(two) the establishment, transfer or sealing of the housing provident fund account;

(3) Paying the housing provident fund in full.

Thirty-fifth housing provident fund management center shall urge the entrusted bank to handle the business agreed in the entrustment contract in time.

The entrusted bank shall provide relevant business information to the housing provident fund management center on a regular basis in accordance with the entrustment contract.

Thirty-sixth workers and units have the right to inquire about the deposit and withdrawal of their housing provident fund, and the housing provident fund management center and the entrusted bank shall not refuse.

Workers and units have objections to the storage balance in the housing provident fund account, and may apply to the entrusted bank for review; If there is any objection to the results of the review, you may apply to the housing provident fund management center for review. The entrusted bank and housing provident fund management center shall give a written reply within 5 days from the date of receiving the application.

Workers have the right to expose, report and accuse the misappropriation of housing provident fund.

Chapter VI Punishment

Thirty-seventh in violation of the provisions of this Ordinance, the unit does not handle the registration of housing provident fund deposit or the establishment of housing provident fund accounts for its employees, and the housing provident fund management center shall order it to be handled within a time limit; Failing to handle it within the time limit, a fine of 6.5438+0 million yuan and 50,000 yuan shall be imposed.

Thirty-eighth in violation of the provisions of this Ordinance, the unit fails to pay or underpays the housing provident fund, and the housing provident fund management center shall order it to pay within a time limit; If the deposit is not made within the time limit, it may apply to the people's court for compulsory execution.

Article 39 If the Housing Provident Fund Management Committee, in violation of the provisions of this Ordinance, approves the plan for the use of housing provident fund, the construction administrative department of the State Council shall, jointly with the financial department of the State Council or the construction administrative department of the people's government of the province or autonomous region, jointly with the financial department at the same level, order it to make corrections within a time limit according to the management authority.

Fortieth housing provident fund management center in violation of the provisions of these regulations, one of the following acts, by the construction administrative department of the State Council or the construction administrative department of the people's government of the province or autonomous region according to the management authority, shall be ordered to make corrections within a time limit; The responsible person in charge and other directly responsible personnel shall be given administrative sanctions according to law:

(a) failing to set up a housing provident fund account in accordance with the provisions;

(two) failing to approve the withdrawal and use of housing provident fund by employees in accordance with the regulations;

(3) Failing to use the value-added income of the housing provident fund in accordance with the provisions;

(4) Entrusting institutions other than banks designated by the Housing Provident Fund Management Committee to handle the housing provident fund financial business;

(five) did not establish a detailed account of employee housing provident fund;

(six) did not issue a valid certificate of housing provident fund deposit to the employees who paid the housing provident fund;

(seven) not in accordance with the provisions of the purchase of housing provident fund bonds.

Forty-first in violation of the provisions of this Ordinance, misappropriation of housing provident fund, by the construction administrative department of the State Council or the provincial and autonomous region people's government construction administrative departments in accordance with the management authority, to recover the misappropriated housing provident fund, confiscate the illegal income; The person in charge of the people's government who misappropriates or approves the misappropriation of housing provident fund, the person in charge of the housing provident fund management center and other directly responsible personnel shall be investigated for criminal responsibility according to the provisions of the Criminal Law on the crime of misappropriating public funds or other crimes; If it is not serious enough for criminal punishment, it shall be given administrative sanctions of demotion or dismissal.

Forty-second housing provident fund management center in violation of financial regulations, the financial sector shall be given administrative punishment according to law.

Forty-third in violation of the provisions of this Ordinance, the housing provident fund management center to provide guarantees to others, the directly responsible person in charge and other directly responsible personnel shall be given administrative sanctions according to law.

Article 44 State functionaries who abuse their powers, neglect their duties or engage in malpractices for selfish ends in the supervision and management of housing provident fund, which constitutes a crime, shall be investigated for criminal responsibility according to law; If it does not constitute a crime, it shall be given administrative sanctions according to law.

Chapter VII Supplementary Provisions

Forty-fifth measures for financial management and accounting of housing provident fund shall be formulated by the finance department of the State Council in consultation with the construction administrative department of the State Council.

Article 46 Before the implementation of these Regulations, the units that have not gone through the formalities of deposit registration of housing provident fund and the establishment of employee housing provident fund accounts shall go through the formalities of deposit registration at the housing provident fund management center and the establishment of employee housing provident fund accounts at the entrusted bank within 60 days from the date of implementation of these Regulations.

Article 47 These Regulations shall come into force as of the date of promulgation.

According to the State Council's Regulations on Housing Provident Fund Management, housing provident fund refers to the long-term savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees. Employee housing provident fund includes two parts: individual employee deposit and employee unit deposit for employees, all of which belong to employees. The ratio of the two parts is now 8% of the employee's personal salary.

The housing accumulation fund system is actually a housing security system and a form of monetization of housing distribution. The housing accumulation fund paid by the unit for employees is an integral part of employees' wages. It is the unit's obligation to pay the housing provident fund for employees, and it is the legal right of employees to enjoy the housing provident fund policy. Some units have not established a housing accumulation fund system for employees, which infringes on the legitimate rights that employees should enjoy.

Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees. Is a unified storage, special use of long-term housing savings, paid by employees and their units in two parts, owned by individuals. But for most property buyers, how to use the housing provident fund? There must be many people who are puzzled and puzzled. In this regard, "I love my family" experts will make the following detailed analysis for you:

First, eligible employees can withdraw housing provident fund:

According to the policy, the housing accumulation fund can only be used for employees to purchase, build, renovate and overhaul their own houses, and no unit or individual may use it for other purposes. However, if the employee has special requirements, the storage balance in the employee housing provident fund account may be withdrawn under any of the following circumstances:

(1) Purchase, build, renovate or overhaul owner-occupied housing. The purchase of self-owned housing, the need to provide a legally signed purchase contract or agreement; For the construction of self-owned housing, documents approved by the planning and land management departments shall be provided; Overhaul of self-owned housing, the need to provide documents approved by the planning and management department, can withdraw housing provident fund.

(2) Retirement. For retired workers, the withdrawal of housing provident fund only needs to provide legal and effective retirement and other relevant certificates.

(3) completely losing the ability to work and terminating the labor relationship with the unit. Such workers can apply for cancellation of the housing provident fund as long as they provide the appraisal issued by the labor department that the workers have completely lost their ability to work and the proof that the unit has terminated the labor contract according to the regulations.

(4) Leave the country and settle down. For employees who emigrate abroad, their domestic housing provident fund can also be withdrawn. If they are deposited in the housing provident fund account, they only need to go to the relevant departments to handle the cancellation procedures.

(5) Repaying the principal and interest of the house purchase loan. For buyers who purchase houses for the purpose of solving their own occupation and have applied for loans, they can apply for withdrawing the provident fund to repay the loan principal and interest once a year (the time interval between the two applications is 12 months or more).

(6) the rent exceeds the prescribed proportion of family wage income. If your personal rent has exceeded 5% of your salary, the excess can be paid by withdrawing the provident fund.

At the same time, the balance of provident fund can also be used to pay the down payment of commercial loans to buy a house, but it must be consumed first and then withdrawn. In addition, employees who buy second-hand houses can also withdraw housing provident fund. Workers only need to show the buyer's house ownership certificate provided by the housing ownership registration department in the district and county where the house is located, the deed tax payment certificate issued by the housing management department on behalf of the tax department and the real estate transaction invoice to withdraw the housing provident fund.

Two, customers can also use the housing provident fund to buy second-hand housing:

In addition to buying commercial housing, you can use provident fund loans, and you can also use provident fund loans to buy second-hand houses. For example, "I love my family" and other intermediary companies with housing provident fund agency qualifications can help customers who buy second-hand houses to handle provident fund loans and easily realize their desire to buy a house.

(1) Compared with commercial loans, using provident fund loans to buy second-hand houses has many advantages:

① The proportion of provident fund loans is relatively high. The proportion of general provident fund housing loans can reach 90%-95% of the real estate appraisal value; The highest loan ratio for commercial loans to buy second-hand houses is 80% of the real estate appraisal value.

② The term of provident fund loan is longer. The longest loan period of housing provident fund loans is 30 years. The loan period of commercial loans is less than the housing provident fund, which is generally 20 years.

③ The interest rate of provident fund loans is low. The interest rate of provident fund loans is relatively low. At present, the annual interest rate of 1-5-year loans is 3.96%, and the annual interest rate of 6-30-year loans is 4.4 1%. The annual mortgage interest rate of commercial loans 1-5 years is 5.27%, and it is 5.5 1% for more than 5 years, with a difference of nearly one percentage point. The biggest advantage of provident fund loans is that the interest rate is lower than that of commercial loans.

(2) Requirements for second-hand housing provident fund loan applicants:

Customers who apply for second-hand housing provident fund loans need to meet the following conditions before they can get loans.

① Have permanent residence or valid residence status in Beijing cities and towns;

(2) Having a stable occupation and income and the ability to repay the principal and interest of the loan;

③ Purchase self-occupied houses in all districts and counties of Beijing;

(4) Having a house purchase contract or relevant supporting documents;

⑤ Housing provident fund has been continuously deposited for more than 6 months (inclusive) or accumulated for more than 0/2 months (inclusive) before applying for a loan (except for retired employees).

Only by meeting the above five standards can customers apply for provident fund loans to buy second-hand houses. In addition, Beijing Housing Guarantee Center, as a guarantor, can also provide second-hand housing loans with full guarantee to eligible lenders, reducing the risk of lenders buying houses. At the same time, the borrower can also enjoy a personal mortgage commodity housing insurance provided by Beijing Housing Security Center for free.

(3) Second-hand housing provident fund loan procedures are cumbersome, and it is both worry-free and labor-saving to entrust a large formal housing agency;

Due to the application for second-hand housing provident fund loans, the procedures are quite complicated, involving more professional knowledge. Therefore, for buyers who have never handled this business, the specific operation will generally feel at a loss. At this time, if you entrust a large, formal housing intermediary company to handle it on your behalf, it will be very different. A large-scale housing agency with a good reputation like "I love my family" can not only help customers handle the second-hand housing provident fund loan business, but also provide professional and high-quality services according to their own characteristics. At the same time, "I love my family" relies on good reputation and good cooperation with many banks, plus excellent professional financial management team. In terms of bank loans, both second-hand housing provident fund loans and commercial loans can provide customers with all-round, systematic and professional financial management through-train services, so that customers can realize their desire of easy home ownership and easy financial management.

As more and more large and medium-sized enterprises and companies handle housing provident fund for their internal employees, "I love my family" predicts that in the continuous development of the second-hand housing market in the future, more and more buyers will use housing provident fund loans to buy houses, and second-hand housing provident fund loans will lead the new fashion of housing consumption demand of buyers.