The following is the full text of the announcement-
Article 1 In order to standardize the management of individual housing provident fund loans (hereinafter referred to as provident fund loans) and ensure the safety of provident fund loan assets, these Detailed Rules are formulated in accordance with the Measures for the Administration of Individual Housing Provident Fund Loans in Dalian (F.F.J.F. [2014] No.3, hereinafter referred to as the Measures).
Article 2 The correspondent banks mentioned in Article 3 of the Measures refer to Dalian Branch of Industrial and Commercial Bank of China, Dalian Branch of China Construction Bank and Dalian Branch of Bank of Communications.
The term "office" as mentioned in Article 3 of the Measures refers to:
(1) The municipal level where the mortgaged house is located (including Zhongshan District, Xigang District, Shahekou District, Ganjingzi District and High-tech Industrial Park, the same below): The pure provident fund loan for commercial housing can be handled in municipal offices; Commercial housing portfolio loans are handled in the office where the portfolio bank is located; Other types of loans should be handled in the street office where the mortgaged house is located.
(2) If the mortgaged house is located in a district, city or county, it shall be handled by the office (or outlet) where the mortgaged house is located.
Article 3 Borrowers refer to employees who meet the conditions of provident fund loans as stipulated in the Measures. There shall be no more than two borrowers for the same provident fund loan. If there are two borrowers, the borrowers should be spouses or immediate family members within two generations; If the borrower and the purchaser are not the same person, they should be spouses or immediate family members within two generations. The relationship between the borrower and the original owner of the house purchased by the loan cannot be personal or spouse.
The borrower of the provident fund loan of the borrower's portfolio loan and the borrower of the commercial loan may not be the same person, but they should be spouses or immediate family members within two generations.
The age of the purchaser and mortgagor (including spouse, the same below) shall be 18 years old.
Item 1 of Paragraph 1 of Article 4 of the Measures means that the borrower must have 180 days to set up an individual housing provident fund account, and calculate forward from the date of applying for provident fund loans, and pay the housing provident fund on time, in full and continuously for more than 6 months.
The city mentioned in the second paragraph of Article 4 of the Measures refers to the districts (cities) and counties under the jurisdiction of Dalian.
Article 4, paragraph 1, item 2 of the Measures, children can apply for provident fund loans for retired parents in their own names, without occupying the amount of children's provident fund loans, but they must meet the following conditions at the same time: 1. Both parents have retired and bought self-occupied housing in the name of their parents; 2, one or both parents before retirement in the city housing provident fund deposit; 3. Neither parent has applied for provident fund loans (including loans from different places); 4. A family can only apply for such provident fund loans once; 5. A family can only apply for a provident fund loan for one child.
The third item of the first paragraph of Article 4 of the Measures refers to the stable income of borrowers when they apply for provident fund loans. Single borrower, I have no bad loan record or bad credit record; The married borrower and both husband and wife have no bad loan records or bad credit records. Bad loan records or bad credit records mainly refer to:
(1) The loan is overdue at present;
(2) The credit card is currently overdue;
(3) The accumulated overdraft of the quasi-credit card exceeds 180 days (including card fee and annual fee);
(4) The credit card has not paid the minimum repayment amount for more than 6 times in the past 12 months (including card fees and annual fees);
(5) A single loan is overdue for more than 6 consecutive periods (including guarantor's repayment) or 65,438+00 periods (including guarantor's repayment) in recent 24 months;
(6) There is a record of a single loans overdue with more than 24 issues;
(7) The loan has a repayment record of the guarantor;
(eight) there is a record of loan extension (extension) or debt repayment with assets in the past 24 months;
(9) Having a record of being sued for bad credit;
(ten) there are records of defrauding housing provident fund and defrauding provident fund loans;
(eleven) other bad loan records or bad credit records.
The office shall set up a loan review team composed of the director of the office, the person in charge of the business department and the person in charge of the accounting department to comprehensively analyze the credit, repayment ability and repayment willingness of loan applicants with bad loan records or bad credit records and decide whether to approve the loan.
The proportion stipulated in the fourth paragraph of Article 4 of the Measures refers to:
1. When the borrower applies for the first housing loan, the proportion of self-raised funds shall be determined according to the following conditions:
(a) the purchase of commercial housing, the proportion of self-raised funds shall not be less than 30% of the total house price (that is, the loan ratio shall not be higher than 70%), but the construction area is less than 90 square meters, the proportion of self-raised funds may be reduced to 20% (that is, the loan ratio shall not be higher than 80%);
The purchase of housing reform, the proportion of self-raised funds shall not be less than 30% of the total housing (that is, the proportion of loans shall not be higher than 70%);
(3) For the purchase of stock houses, the proportion of self-raised funds shall not be less than 40% of the lower value of the transaction price and the appraisal price (i.e. the loan ratio shall not be higher than 60%), but if the building area of the purchased houses is less than 90 square meters and the house age is less than 5 years, the proportion of self-raised funds may be reduced to 30% (i.e. the loan ratio shall not be higher than 70%);
(4) If you buy a house without ownership or replace it, the proportion of self-raised funds shall not be less than 40% of the lower value of the house transaction price and evaluation price (that is, the loan ratio shall not be higher than 60%);
⑤ For self-built houses, the proportion of self-raised funds shall not be less than 40% of the assessed price (that is, the proportion of loans shall not be higher than 60%);
⑥ For resettlement houses, the proportion of self-raised funds shall not be less than 40% of the appraised price of mortgaged houses (that is, the proportion of loans shall not be higher than 60%), and the loan amount shall not exceed the amount of house payment increased by resettlement houses;
All landowners swap houses, the proportion of self-raised funds shall not be less than 40% of the appraised price of mortgaged houses (that is, the proportion of loans shall not be higher than 60%), and the loan amount shall not exceed the price difference of the swap houses.
2. If the borrower applies for a second housing loan, the proportion of self-raised funds shall not be less than 60% of the total house price (that is, the loan proportion shall not be higher than 40%).
3. If the borrower applies for the third housing loan, it will not be accepted.
The number of housing units for provident fund loans is determined according to the outstanding individual housing loans of the borrower's family.
According to the inquiry of the People's Bank of China's credit information system and housing provident fund management system, the borrower and his spouse have no outstanding personal housing loan records and are identified as the first home loan; Only one outstanding personal housing loan record was identified as a second home loan; There are more than two outstanding personal housing loan records, which are identified as three-suite loans.
The record of outstanding personal housing loans does not include loans for retired parents that are not occupied by children and housing reform loans for borrowers' spouses.
The ownership of the house mortgaged in Item 5 of Paragraph 1 of Article 4 of the Measures is clear, which does not affect the realization of the mortgage right of Dalian Housing Provident Fund Management Center (hereinafter referred to as the Center).
The second paragraph of Article 4 of the Measures refers to that the borrower's housing provident fund account is in an abnormal state such as sealing, freezing and custody, or has been in arrears for more than 65 days (including 65 days), and the loan will not be issued.
Article 4 The types of loans included in Article 5 of the Measures are:
(a) commercial housing loans;
(2) Loans for stock houses;
(3) Housing reform loans;
(four) housing loans without housing ownership;
(5) Loans for self-built houses;
(6) Relocation housing loan;
(seven) property rights exchange loans;
(8) Housing loan replacement.
Among them, commercial housing refers to the housing developed, built and sold by real estate development enterprises.
The stock house refers to the house on the state-owned land that has been purchased and obtained the house ownership certificate or real estate certificate (hereinafter referred to as the real estate license).
(The above answers were published on 20 15-06-29. Please refer to the actual situation for the current purchase policy. )
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