Dongguan Provident Fund Loan Policy for 2022 is as follows:

1. Housing provident fund personal housing loans can only be used to purchase, construct, renovate, and overhaul ordinary owner-occupied houses for deposited employees to support basic housing. need. It is strictly prohibited to use housing provident fund personal housing loans for speculative home purchases;

2. Maintain the continuity and stability of the policy of using housing provident fund personal housing loans to purchase the first ordinary owner-occupied house for households with deposited employees. If you use a housing provident fund personal housing loan to purchase your first ordinary home, and the building area of ??the house is less than 90 square meters, the down payment ratio of the loan shall not be less than 20%; if the building area of ??the house is more than 90 square meters, the down payment ratio of the loan shall not be Less than 30%;

3. The second housing provident fund personal housing loan is limited to households with depositing employees whose existing per capita housing construction area is lower than the local average, and the purpose of the loan is limited to Purchase an ordinary owner-occupied house with improved living conditions. The down payment ratio of provident fund personal housing loans for the second housing shall not be less than 50%, and the loan interest rate shall not be lower than 1.1 times the provident fund personal housing loan interest rate for the first housing in the same period;

4. Stop purchasing the third house Housing provident fund personal housing loans are issued to households of employees who deposit housing provident funds and above;

5. The urban housing provident fund management committee should support deposits based on local housing prices, per capita housing construction area and housing provident fund business development status. Based on the principle of the loan needs of employees to purchase ordinary self-owned housing, the maximum amount of personal housing loans of the housing provident fund shall be reasonably determined, and reported to the provincial housing and urban-rural development, finance, People's Bank of China, and banking regulatory authorities for filing;

6. Urban housing The provident fund management center and entrusted banks should take effective measures to strengthen the investigation, review, mortgage, issuance, recovery and other work of housing provident fund personal housing loans, effectively strengthen loan risk management, and ensure the safety of funds. The Housing Provident Fund Management Center must work with relevant authorities to quickly establish an information sharing mechanism to prevent fraudulent housing provident fund personal housing loans. At the same time, it is necessary to simplify procedures and improve service levels.

Legal basis: Article 15 of the "Housing Provident Fund Management Regulations"

When a unit hires employees, it must go to the Housing Provident Fund Management Center to register for deposit within 30 days from the date of employment. And with the review documents from the Housing Provident Fund Management Center, go to the entrusted bank to handle the establishment or transfer procedures of the employee housing provident fund account.