Second, Quanzhou paid employees to buy houses in different places (that is, the household registration is outside the administrative area of Quanzhou) to apply for loans from different places to the housing provident fund management center, and paid employees to buy houses in different places to apply for loans from the Quanzhou housing provident fund management center.
To apply for off-site loans, the following conditions must be met:
(1) Employees who have paid housing provident fund in different places shall apply to Quanzhou Housing Provident Fund Management Center for individual housing loans with housing provident fund, which shall comply with the relevant provisions of the Regulations on the Management of Housing Provident Fund in Quanzhou and the Implementation Opinions on the Management of Housing Provident Fund Loans in Quanzhou, and meet the following conditions:
1. The employee's household registration is within the administrative area of Quanzhou, and he has purchased self-occupied housing in Quanzhou.
2. The housing accumulation fund has been paid normally for more than 6 months (inclusive) continuously, and the account status is normal.
3. If the buyer's husband and wife deposit in different places or one party deposits in different places and the other party deposits in Quanzhou, they can be regarded as "dual employees" and enjoy the maximum loan amount for dual employees.
4. If both husband and wife who purchase houses have not used the individual housing loan of housing provident fund at the place where the housing provident fund is paid and the place where the house is purchased, or the first individual housing loan of housing provident fund has been settled, and they apply for the individual housing loan of housing provident fund again to improve their living conditions, they can apply for loans from different places.
5. No off-site loans may be issued to the families of employees who apply for the third housing provident fund loan.
6. If the housing provident fund loan has not been paid off in the housing provident fund management center of the deposit place and the house purchase place, you cannot apply for a loan in different places.
7. The application materials for off-site loans are the same as those for Quanzhou housing provident fund loans, except that a deposit certificate of housing provident fund for employees with off-site loans is added, and other application materials, loan amount, down payment ratio, interest rate standard, income recognition and credit definition are added.
(2) Employees who have paid housing provident fund in Quanzhou purchase houses outside Quanzhou and apply for housing provident fund personal housing loans, and the relevant provisions of the loan city housing provident fund management center shall be implemented.
Third, the handling process
(a) the loan city provident fund center accepts the consultation of employees' loan business in different places, and informs the materials needed for loan review at one time.
(II) The employee himself or his client applies to the municipal provident fund deposit center, and the deposit center verifies the employee's deposit of loans according to the employee's application, and issues the Certificate of Deposit and Use of Housing Provident Fund for employees who have never used the housing provident fund or whose first housing provident fund loan has been settled.
(3) After accepting the employee's application for off-site loan, the loan city provident fund center shall verify the authenticity and completeness of the information in the Certificate of Deposit and Use of Housing Provident Fund for Employees with Off-site Loan to the deposit city provident fund center. If the verification is correct, the loan approval procedures shall be fulfilled within the prescribed time limit, and the results shall be fed back to the Municipal Provident Fund Center. Deposit to the city provident fund center to identify the situation of employees' loans in different places, and establish a detailed account of employees' loans in different places.
(four) during the loan repayment period, if the personal account of housing provident fund is transferred, the original deposit city provident fund center shall promptly notify the loan city provident fund center and transfer it to the city provident fund center. Transferred to the city provident fund center should be re-identified and recorded in a timely manner after receiving the employee housing provident fund account.
(5) In loans overdue, the deposit city provident fund center should cooperate with the loan city provident fund center to carry out loan collection and other work, and deduct the balance of the loan employee provident fund account to repay the loan according to the loan contract.
4. The Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China jointly issued the Notice on Developing Personal Housing Loan Business of Housing Provident Fund. The new policy mainly includes employees who have paid the housing provident fund in full for more than 6 months, and can apply for personal housing loans from the housing provident fund. The loan targets are employees who have purchased the first set of self-occupied housing or the second set of improved ordinary self-occupied housing.
Verb (abbreviation of verb) People's Daily Online:/n/201415/c123932-22609701.html.