(March 2008 1 1 discussed and passed by the Municipal Housing Provident Fund Management Committee)

Chapter I General Principles

Article 1 In order to support employees to purchase owner-occupied housing and gradually improve the living quality of employees, these Measures are formulated in accordance with the Regulations of the State Council on the Administration of Housing Provident Fund and the Measures for the Administration of Housing Provident Fund Loans in Sichuan Province, combined with the actual situation of our city.

Article 2 Individual housing provident fund loans (hereinafter referred to as provident fund loans) are special policy loans issued by Leshan Housing Provident Fund Management Center to housing provident fund depositors for the purchase, construction, renovation and overhaul of self-occupied housing.

Article 3 These Measures shall apply to the employees who establish the housing accumulation fund system.

Article 4 In order to protect the legitimate rights and interests of both borrowers and borrowers, provident fund loans should follow the principles of consistency between loan objects and deposit objects and equality of rights and obligations, and implement the combination of deposit and loan, deposit before loan and loan guarantee.

Article 5 Leshan Housing Provident Fund Management Center (hereinafter referred to as the Provident Fund Center) is the concrete implementer of provident fund loans, and performs the following responsibilities of provident fund loan management:

(a) publicity and implementation of the "Regulations" and other laws and regulations of the provident fund loan policy, to provide policy advice for depositors, to safeguard the depositor's right to housing provident fund loans in accordance with the law.

(two) the preparation and implementation of housing provident fund loan plan, the preparation of provident fund loan plan implementation report.

(three) review and determine the provident fund loan project.

(four) responsible for the examination and approval of provident fund loan applications and post-loan management.

(five) responsible for the accounting, statistics, information query and related information management of provident fund loans.

(six) responsible for the supervision and management of the provident fund loan business handled by the entrusted bank.

(seven) to undertake other provident fund loans decided or authorized by the Leshan Housing Provident Fund Management Committee.

Article 6 Leshan Housing Provident Fund Management Committee determines that Leshan Branch of China Construction Bank, Leshan Branch of Industrial and Commercial Bank of China, Leshan Branch of Agricultural Bank of China and Leshan Branch of Bank of China undertake the entrusted loan finance business of Leshan Provident Fund (hereinafter referred to as the undertaking bank).

The undertaking bank shall perform the following duties of housing provident fund loan management according to the entrustment agreement signed with the provident fund center:

1. According to the Notice of Personal Housing Provident Fund Entrusted Loan issued by the Provident Fund Center, sign the Leshan Personal Housing Provident Fund Entrusted Loan Contract (hereinafter referred to as the loan contract) with the borrower, and assist the borrower to handle relevant loan procedures;

2. Issuance and recovery of housing provident fund loans and settlement of housing provident fund loans.

3. Implement post-loan management and assist in collecting overdue loans.

4. Provide accurate and complete loan information and data to the management center in time.

5. Handle other matters agreed in the entrustment agreement.

Chapter II Loan Objects and Conditions

Article 7 The object of applying for provident fund loans must be the employees who have paid the housing provident fund in accordance with the regulations, and they are the housing owners, and apply on a household basis.

Article 8 A depositor who has continuously paid the housing provident fund in full for more than one year, has no housing provident fund loan debt, has full capacity for civil conduct, stable professional income, good credit and the ability to repay the principal and interest of the loan, and agrees to apply for a housing mortgage loan according to the requirements of the provident fund center, and may apply for a housing provident fund loan.

Ninth housing provident fund loans for real estate projects, must comply with national policies and regulations, with the corresponding standardized procedures, through the provident fund center review, and signed the "individual housing provident fund loan project cooperation agreement" with the provident fund center.

Article 10 To apply for provident fund loans, the borrower shall provide information according to the following circumstances.

(a) the purchase of commercial housing:

1, legal and valid residence and identification;

2. Proof of marriage relationship;

3. A legal and effective purchase contract;

4, with a total purchase price of more than 30% of the self-financing certificate;

(2) Re-trading housing (commonly known as "second-hand housing"):

1, legal and valid residence and identification;

2. Proof of marriage relationship;

3. Real estate sales contracts and deed tax paid invoices;

3. The applicant's "Property Ownership Certificate" and the "State-owned Land Use Certificate" of the house;

4. If the collateral needs to be assessed, there is a collateral assessment report issued by an assessment agency recognized by the Provident Fund Center;

5. If the provident fund center requires a guarantee, there is a written commitment issued by the guarantor to agree to the guarantee and a credit certificate of the guarantor;

6 other documents or materials required by the provident fund center.

(3) Existing houses that have obtained the house ownership certificate and the state-owned land use certificate;

1, legal and valid residence and identification;

2. Proof of marriage relationship;

3. There is a legal and effective purchase contract;

4. The applicant's "Property Ownership Certificate" and "State-owned Land Use Certificate";

5. Pay deed tax invoice.

(four) the construction and renovation of houses:

1, legal and valid residence and identification;

2. Proof of marriage relationship;

3, the applicant's "state-owned land use certificate", this type of use right must be transferred;

4, the county (District) above the planning, construction and land management departments of the approval documents;

5, housing "construction project construction contract" and construction drawings;

6. Provide other houses with a loan value of not less than 1.5 times for mortgage;

7. Collateral assessment report issued by an assessment agency recognized by the Provident Fund Center;

8. Other documents and materials required by the Provident Fund Center.

(5) house overhaul:

1, legal and valid residence and identification;

2. Proof of marriage relationship;

3. The applicant's "Property Ownership Certificate" and "State-owned Land Use Certificate";

4, the county (District) above the planning, construction or real estate management department approval documents;

5, housing overhaul construction contract;

6. Provide other houses with a loan value of not less than 1.5 times for mortgage;

7. Collateral assessment report issued by an assessment agency recognized by the Provident Fund Center;

8. Agree to handle the guarantee and house mortgage according to the guarantee method recognized by the Provident Fund Center.

9. Other documents and materials required by the Provident Fund Center.

Article 11 Other conditions for applying for a loan.

1. The commercial housing loan must be a project cooperative property recognized by the Provident Fund Center.

2. Re-trading houses must be applied within six months from the date of issuance of the Property Ownership Certificate.

3, existing homes, must be in the "state-owned land use certificate" issued within six months from the date of application;

4, new construction, renovation of housing, housing construction progress must meet the requirements of the provident fund center.

5. If the property owner of the house applying for a loan has other * * owners except the borrower's husband and wife, the consent of the other * * owners must be obtained and notarized. The loan amount is calculated according to the borrower's share of the house price.

7. House * * * If someone has minor children, they can't apply for provident fund loans.

(The above answers were published on 2013-10-17. Please refer to the actual situation for the current purchase policy. )

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