Loans in different places require personal credit reports from both husband and wife.
In the Opinions, it is proposed to expand the loan business of Yinchuan's provident fund in different places to the whole country, which means that all employees who normally pay the housing provident fund in the housing provident fund management center other than Yinchuan's housing provident fund management center can apply for personal housing loans from Yinchuan's housing provident fund management center when they buy their own houses in Yinchuan.
Among them, for the loan object, it is required to pay the housing provident fund in full and on time for more than 6 months in the workplace, and the payment ratio is not less than 5%, with the purchase contract or agreement, down payment invoice or special receipt filed by the housing property management department. When applying for a loan, the lender shall provide the provident fund deposit certificate and the provident fund loan credit certificate issued by the provident fund management center of the borrower's unit, as well as the couple's personal credit report, unit income certificate, local housing provident fund deposit details and other materials.
Only two banks can handle portfolio loans.
Among the new policies issued by this opinion, the most striking thing is to carry out the combined loan business of provident fund and commercial loans. It is clearly stipulated in the detailed rules for implementation that the insufficient provident fund loans for portfolio loan business shall be supplemented by personal housing commercial loans from Limin Sub-branch of Ningxia Bank and Dongcheng Sub-branch of China Construction Bank, and the sum of provident fund loans and commercial loans shall not exceed 75% of the total housing price. In addition to the above two banks, other banks are currently unable to undertake portfolio loan business. At the same time, the implementation rules also stipulate that the loan period shall not exceed 30 years, but the sum of the loan period plus the borrower's age shall not exceed 5 years after the statutory retirement age, and the loan period in different places shall not exceed the statutory retirement age. Housing provident fund loans and commercial loans in portfolio loans shall be implemented at the corresponding interest rates stipulated by the People's Bank of China. The housing provident fund loan contract and the commercial loan contract in the portfolio loan are signed by the entrusted bank respectively.
Second-hand houses are included in the preferential scope.
In the Opinions, the policy of transferring commercial loans to provident fund loans has also included second-hand houses in the preferential scope. Previously, second-hand houses could not handle business-to-business business.
It is clear in the Opinions that employees who have applied for personal commercial housing loans for second-hand houses can apply for commercial loans to housing provident fund loans if they have paid the provident fund in Yinchuan Housing Provident Fund Management Center for more than 6 months. Borrowers who convert personal commercial loans into provident fund loans must be consistent with the original borrowers and comply with the relevant provisions of the housing provident fund personal housing loan policy. Before the loan is settled, it must be pre-examined at Yinchuan Housing Provident Fund Management Center. After the pre-trial is passed, the borrower may apply for a housing provident fund loan within one month after the balance of the original commercial loan is settled in advance, and the loan amount shall not exceed the balance of the original commercial loan and the remaining term.
When a second-hand house business turns into a public loan, the lender needs to provide a loan settlement notice, repayment documents to settle the balance of commercial loans, loan contracts and loan vouchers, as well as house ownership certificate, deed tax certificate, house ownership file certificate, Yinchuan stock house sales contract (sales contract), etc.
Opinions on further expanding the use of housing provident fund to promote housing consumption
Yinchuan Housing Provident Fund Management Center reported the Opinions on Further Expanding the Use of Housing Provident Fund to Promote Housing Consumption to the Administrative Committee. Approved by the 20th meeting of Yinchuan Housing Provident Fund Management Committee, we hereby put forward specific implementation opinions, please follow them carefully:
First, comprehensively carry out the loan business of provident fund in different places
Employees who have opened a housing provident fund account in a housing provident fund management center other than Yinchuan Housing Provident Fund Management Center for six months, and paid the provident fund in full and in time for more than six months, with a contribution ratio of not less than 5%, can apply for a housing provident fund loan in different places from Yinchuan Housing Provident Fund Management Center and its sub-centers and offices, and the borrower (and spouse) can provide a certificate of deposit and use of the provident fund and a credit certificate of the provident fund loan issued by the workplace. Handling off-site loan business is not restricted by household registration. The loan shall be implemented in accordance with the Measures for the Administration of Housing Provident Fund Loans in Different Places of Yinchuan Housing Provident Fund Management Center, and the loan approval shall be implemented in accordance with the new loan approval form.
Two, increase the maximum amount of personal housing provident fund loans.
1. The maximum loan amount will be increased from 400,000 yuan to 550,000 yuan if a single employee or one of the husband and wife normally pays the housing provident fund;
2, the husband and wife in Yinchuan center normal deposit housing provident fund (including the spouse in Ningxia normal deposit) workers, the maximum loan amount is 500 thousand yuan to 700 thousand yuan;
3. The maximum loan amount for second-hand houses is increased from 50% to 60% of the total house price;
4. The maximum amount of off-site loan is 550,000 yuan (including the deposit made by the spouse in Yinchuan Center).
Third, reduce the down payment ratio of loans and increase the loan amount and proportion.
1. If housing provident fund loans are used, the minimum down payment ratio will be adjusted to 20% of the total housing price;
2. The amount of provident fund loan is adjusted to 20 times of the normal deposit balance of the person (including spouse);
3. The maximum proportion of provident fund loans is adjusted to 80% of the total house price.
Four, second-hand housing commercial housing loans into housing provident fund loan business.
Employees who have applied for personal commercial housing loans for second-hand houses can apply for commercial loans to housing provident fund loans if they have paid the provident fund in Yinchuan Housing Provident Fund Management Center for more than 6 months.
Borrowers who convert personal commercial loans into provident fund loans must be consistent with the original borrowers and comply with the relevant provisions of the housing provident fund personal housing loan policy. Before the loan is settled, it must be pre-examined at Yinchuan Housing Provident Fund Management Center. After the pre-trial is passed, the borrower may apply for a housing provident fund loan within one month after the balance of the original commercial loan is settled in advance, and the loan amount shall not exceed the balance of the original commercial loan and the remaining term.
Second-hand housing personal loan to public loan requirements:
1, loan settlement notice, commercial loan balance settlement repayment form; (The application is valid for one month from the date of loan settlement)
2 loan contract and loan certificate (loan certificate);
3. Property ownership certificate, deed tax certificate, house ownership file certificate, and Yinchuan stock house sales contract (sales contract).
Five, to carry out the provident fund and commercial loan portfolio loan business.
When employees who have normally paid the Yinchuan housing provident fund for more than 6 months purchase owner-occupied housing, the insufficient provident fund loans will be supplemented by personal housing commercial loans from Limin Sub-branch of Ningxia Bank and Dongcheng Sub-branch of China Construction Bank, and the sum of the provident fund loans and commercial loans will not exceed 75% of the total housing price. The portfolio loan business shall be implemented in accordance with the Measures for the Administration of Individual Housing Portfolio Loan of Yinchuan Housing Provident Fund Management Center.
Six, relax the use period of the purchase contract.
If employees purchase, build, renovate or overhaul their own houses without using housing provident fund loans, the validity period of the purchase contract (the purchase of new houses is subject to the registration date of the housing management department, and the purchase of second-hand houses, construction, renovation and overhaul of their own houses is subject to the establishment date of the agreement) is extended from three years to five years, and the housing provident fund of themselves and their spouses can be withdrawn once a year, and the housing of parents, children and spouses can also be applied for by the proof of immediate family members.
Specific operation:
1. If you buy a new house (without a real estate license), you must provide the original and a copy of the house purchase contract. When withdrawing the provident fund, the original and copy of the contract must be stamped with a strip chapter with the contents of "withdrawal time, withdrawal amount and withdrawal reviewer", and the contents must be filled in;
2. When buying a new house (the real estate license has been processed), a copy of the house ownership certificate and the house purchase contract must be provided. When withdrawing the provident fund, a strip stamp with the contents of "withdrawal time, withdrawal amount and withdrawal reviewer" must be stamped on the copy of the contract, and its contents must be filled in;
3. When buying a second-hand house, building, renovating or overhauling a self-occupied house, it is necessary to affix a strip chapter with the contents of "withdrawal time, withdrawal amount and withdrawal reviewer" on the tax payment certificate and the house purchase agreement, and fill in its contents.
The relevant procedures for extraction shall be implemented in accordance with the provisions of the Measures for the Administration of the Extraction of Employees' Housing Provident Fund in Yinchuan City.
Seven, employees apply for provident fund loans, allowing the withdrawal of excess amount in the account.
1. Cancel the policy that housing provident fund loans cannot be used within six months after withdrawal.
2. When employees apply for provident fund loans within two years after signing the contract for purchasing owner-occupied housing, when the balance in the employee's and spouse's provident fund account reaches multiple of the amount of the loan applied for, the account balance of the borrower and spouse can be used to pay the house purchase price. The relevant procedures for extraction shall be implemented in accordance with the provisions of the Measures for the Administration of the Extraction of Employees' Housing Provident Fund in Yinchuan City.
Eight, expand the employee housing provident fund loan extraction business.
Employees who have applied for housing provident fund loans, and have no provident fund loans overdue within 6 months to 24 months after normal repayment, and the provident fund in the employee's account is remitted continuously, in full and in time, can only withdraw the balance in the borrower's and spouse's account once for housing renovation or independent repayment, but the withdrawal amount shall not exceed the loan balance. The relevant procedures for extraction shall be implemented in accordance with the provisions of the Measures for the Administration of the Extraction of Employees' Housing Provident Fund in Yinchuan City.
Nine, the Yinchuan housing provident fund management center is responsible for the interpretation of these measures, and shall be implemented as of the date of promulgation.