Langfang housing provident fund loan policy
First, the loan conditions and objects
1. Employees who have continuously paid the housing provident fund in full for more than 6 months (inclusive) can apply for individual housing loans from the housing provident fund.
2. If the housing provident fund is deposited in different places and the deposit is less than 6 months, the deposit time can be calculated according to the deposit certificate issued by the housing provident fund management center of the original deposit place.
3. The housing provident fund loan is applicable to paid employees who purchase the first set of self-occupied housing or the second set of improved ordinary self-occupied housing.
4. The housing provident fund management center shall not issue housing provident fund personal housing loans to the families of paid workers who purchase the third and above houses.
Second, increase the maximum loan amount of housing provident fund.
Increase the maximum amount of individual housing loan from 400,000 yuan to 600,000 yuan (this clause will be implemented as of June 438+0, 2005).
Third, promote the loan business in different places.
Workers who pay housing provident fund in their places of employment and buy self-occupied houses in their places of residence can apply for individual housing loans for housing provident fund from the housing provident fund management center of their places of residence on the basis of the payment certificate issued by the housing provident fund management center of their places of residence (this clause will be implemented from June 15).
Specific operating procedures:
1. The customer goes to the information desk of the central business hall (each management department) to get the deposit certificate and the preparation procedure of the loan confirmation issued by Langfang Housing Provident Fund Management Center or downloads it from the central official website.
2. The customer shall issue a loan confirmation letter to the central business hall (each management department) with the deposit certificate and relevant procedures issued by Langfang Housing Provident Fund Management Center, which shall be filled in by the management department of the place where the provident fund is deposited and stamped with the official seal.
3. The loan staff will input the information contained in the provident fund deposit certificate into the business system while issuing the loan confirmation letter for the customer.
4. After the buyer and seller sign the house purchase contract, they bring relevant materials to the central business hall (management department) to apply for a loan.
5. Investigation and verification by the staff of the central credit department (management departments).
6. The survey results show that it does not meet the loan conditions; Those who meet the loan conditions shall be submitted for approval according to the internal approval process.
Note: Step 1.2.3 is the step for employees who have paid provident fund in different places to apply for loans. Other steps are the same as the normal provident fund loan process.
Fourth, the loan down payment ratio.
The paid employee families use the housing provident fund to entrust loans to purchase the first set of ordinary self-occupied housing, and the minimum down payment ratio is 20%; For the paid workers' families who own 1 house and have settled the corresponding housing loans, in order to improve their living conditions, they apply for housing provident fund entrusted loans again to purchase ordinary self-occupied houses, and the minimum down payment ratio is 30%.
Specific grasp principle:
1. Before applying for this loan, employees' families, regardless of whether they have applied for personal housing loans or housing provident fund loans from commercial banks, will be deemed to have used this loan to purchase the first ordinary housing, with a minimum down payment ratio of 20% as long as the corresponding housing loans are settled and the real estate management department at the place where the house is purchased can issue a certificate that there is no room in the family name.
2. Deposit 1 house owned by the employee's family and have settled the corresponding housing loan. The second house purchase is regarded as the second housing provident fund loan, with the minimum down payment ratio of 30% and the loan interest rate rising accordingly 10%.
3. If the employee's family owns 1 house but fails to settle the corresponding housing loan, the second house purchase is regarded as the second housing provident fund loan, with the minimum down payment ratio of 50% and the loan interest rate rising accordingly 10%.