2. The new policy is the Notice of the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China on Developing Personal Housing Loan Business of Housing Provident Fund, as follows:
All provinces, autonomous regions and municipalities directly under the central government, housing and urban-rural construction departments (committees) and finance departments (bureaus), Xinjiang Production and Construction Corps Construction Bureau and Finance Bureau, China People's Bank Shanghai Headquarters, relevant branches, business management departments, provincial capital city center branches, municipalities directly under the central government, Xinjiang Production and Construction Corps Housing Provident Fund Management Committee and Housing Provident Fund Management Center:
Housing provident fund personal housing loan is an important way to improve the housing consumption capacity of paid employees, and it is also the basic rights and interests of paid employees. At present, the development of individual housing loan business of housing provident fund in different places is uneven, and the loan issuance rate in some cities is high, but the issuance rate in most cities is below 85%, which affects the legitimate rights and interests of paid employees and weakens the role of housing provident fund system. In order to improve the issuance rate of housing provident fund personal housing loans and support paid employees to purchase the first set and improved self-occupied housing, the relevant issues concerning the development of housing provident fund personal housing loan business are hereby notified as follows.
First, reasonably determine the loan conditions. Employees who have paid the housing provident fund in full for more than 6 months (inclusive) may apply for housing provident fund personal housing loans. For those who have paid the housing provident fund in different places and paid it in the current deposit place for less than 6 months, the payment time can be calculated according to the payment certificate issued by the housing provident fund management center of the original deposit place. Housing provident fund loans are for paid employees who purchase the first set of self-occupied housing or the second set of improved ordinary self-occupied housing. 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, appropriately increase the first loan amount. Housing provident fund individual housing loan issuance rate is less than 85% of the districts and cities, the housing provident fund management committee shall, according to the local commodity housing prices and per capita housing area, appropriately increase the first set of self-occupied housing loans, and increase support for paid employees to purchase houses.
Third, promote the loan business in different places. All provinces, autonomous regions and municipalities directly under the central government should realize mutual recognition and transfer of housing provident fund deposits in different places. Workers who pay housing provident fund in their places of employment and buy self-occupied houses in their places of residence may 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.
Four, the use of the city's overall fund. Branches that have not been adjusted in place in accordance with the Regulations on the Management of Housing Provident Fund should be incorporated into the unified system, unified decision-making, unified management and unified accounting of the municipal housing provident fund management center with districts as soon as possible. The municipal housing provident fund management center with districts shall co-ordinate the use of the housing provident fund of branches.
Verb (abbreviation of verb) revitalizes existing loan assets. Housing provident fund individual housing loans in the rate of more than 85% of the city, to actively coordinate commercial banks to issue housing provident fund and commercial bank portfolio loans. Conditional cities should actively explore the development of housing provident fund personal housing loan asset securitization business.
Six, reduce the intermediate cost of loans. Housing provident fund personal housing loan guarantee is mainly based on the purchased housing mortgage. Cancel housing provident fund, individual housing loan insurance, notarization, new house evaluation and compulsory agency guarantee to reduce the burden on loan workers.
Seven, optimize the loan processing process. Local housing provident fund management centers and housing property registration agencies should be networked as soon as possible to realize information sharing, simplify loan handling procedures and shorten the loan handling cycle. The housing property registration institution shall complete the mortgage registration formalities within 10 working days from the date of accepting the mortgage registration application; Housing provident fund management center should complete the loan issuance within 5 working days after mortgage registration. Real estate development enterprises shall not refuse to pay employees to use housing provident fund loans to buy houses.
Eight, improve the efficiency of loan services. Local housing provident fund management centers should improve the loan service system, improve service means, actively carry out online loan business consultation, loan preliminary examination and other services, fully open the 12329 service hotline and SMS platform, and provide data inquiry, business consultation, repayment tips, complaints and reports and other services to paid employees. Actively explore the establishment of a unified 12329 service hotline and SMS platform in the province.
Nine, strengthen the evaluation and inspection. The housing and urban-rural construction departments of all provinces and autonomous regions should strengthen the assessment of individual housing loan business of urban housing provident fund and increase the assessment weight of individual housing loan business. Regular on-site special inspections should be carried out, and cities with poor work should be ordered to increase their efforts. The Ministry of Housing and Urban-Rural Development informs the National Housing Provident Fund about the issuance of individual housing loans every month.
Departments of Housing and Urban-Rural Development of all provinces and autonomous regions, departments of finance, branches of the People's Bank of China, municipalities directly under the Central Government and the Housing Provident Fund Management Committee of Xinjiang Production and Construction Corps shall, in accordance with the requirements of this circular, strengthen classified guidance according to the situation of individual housing loans issued by housing provident funds in different cities, intensify supervision and inspection of cities with low loan issuance rates, improve the efficiency of fund use, and ensure the effective use of housing provident funds and the safety of funds, and report the implementation of this circular to the Ministry of Housing and Urban-Rural Development before the end of 20 14.
Ministry of housing and urban-rural development of the people's Republic of China
the ministry of finance of the people's republic of china
People's Bank of China
2014101October 9th