Legal basis: Notice of People's Republic of China (PRC) Municipality on Standardizing the Second Set of Housing Identification Standards for Commercial Personal Housing Loans. The Municipal Housing Provident Fund Management Center has formulated the criteria for determining the number of housing units, including the criteria for determining the first suite and the second suite, the criteria for determining more than two sets of housing units, the criteria for determining the number of excluded housing units and loan units, and the inquiry methods for housing units and loan units. The number of housing units paid by housing provident fund loans to employees' families is determined according to the number of housing units and housing loans actually owned by family members who intend to purchase houses; If there is no real estate record or mortgage record under the employee's family name, the first set of policies will be implemented when applying for housing provident fund loans; If the employee's family name has a property record, a mortgage record, a mortgage record of purchasing the same house twice (portfolio loan or relevant policy basis), a property record and a mortgage record of purchasing the same house once, the loan application shall be implemented according to the second suite policy. There are two sets of property records, two sets of mortgage records for buying different houses, one set of property records and mortgage records for buying another house under the name of the employee's family, and loans may not be issued. The purchase of buildings on non-urban residential land is not included in the number of housing units, and the loans that have been used for decoration loans, commercial loans and the purchase of buildings on non-urban residential land are not included in the number of housing loans. Deposit workers to apply for loans, the property records obtained by the city housing provident fund management center staff through the information system network verification; Employees who have purchased houses outside the six urban areas and applied for housing provident fund loans in the provident fund center shall provide written property inquiry results issued by the real estate registration department of the deposit place; The mortgage record is obtained through the record of the provident fund management information system, the certificate of the employee housing provident fund deposit and the credit report of the paid employee.
When paying employees to apply for loans, they need to sign several sets of written integrity certificates of family housing.