Housing category:

1, purchase, build, renovate and overhaul owner-occupied housing;

2. Repay the principal and interest of the house purchase loan;

3, the rent exceeds the prescribed proportion of family wage income.

Non-housing category:

1, returned, returned;

2, completely lose the ability to work, and terminate the labor relationship with the unit;

3. Go abroad to settle down;

4. The employee dies or is declared dead.

Second, the process

1. When an employee applies to his/her unit, the unit will preliminarily verify whether the employee meets the extraction conditions, fill in the Wenshan Housing Provident Fund Extraction Application Form and the Housing Provident Fund Extraction Certificate, and stamp the form.

2. The employee holds the Application Form for Extraction of Wenshan Housing Provident Fund, the Certificate for Extraction of Housing Provident Fund and related materials filled in by the unit to apply to the center for extraction of housing provident fund.

3. If the center approves the withdrawal, it will issue a cash or transfer check to the withdrawal staff, and the staff will withdraw money from the entrusted bank with their ID cards.

Third, the amount.

Partial extraction:

For the purchase, construction, renovation and overhaul of self-owned housing, if the principal and interest of housing loans are repaid, and the rent exceeds the specified proportion of family wage income, the total amount of housing provident fund for employees and their spouses or co-owners of housing property rights shall not exceed the purchase, construction, renovation and overhaul of self-owned housing, and the principal and interest of housing loans and housing rent shall be repaid, and the withdrawal amount of each employee shall not exceed 80% of the balance stored in the individual housing provident fund account (subject to the annual interest settlement date of individual housing provident fund, that is, June 30th).

Complete withdrawal:

1, returned, returned;

2, completely lose the ability to work, and terminate the labor relationship with the unit;

3, the account moved out of Wenshan or settled abroad;

4. If an employee dies or is declared dead, his successor or legatee may apply for withdrawing all the storage balance in the employee housing provident fund account; If there is no heir or legatee, the balance stored in the employee housing provident fund account shall be included in the value-added income of the housing provident fund, and the employee individual housing provident fund account shall be cancelled at the same time.

Note: If the housing provident fund is withdrawn according to the above provisions, all the storage balance in the employee's own housing provident fund account can be withdrawn, and the employee's housing provident fund account can be cancelled at the same time;

Fourth, loans.

1, application. The loan applicant applies to the management center or the entrusted bank and submits the required application materials.

2. investigation. The entrusted bank shall examine the authenticity of the materials submitted by the loan applicant, and investigate the personal credit report, the existing housing situation of the family, the down payment ratio, the adequacy of the guarantee, and the income and liabilities of the borrower.

3. review. According to the investigation results of the entrusted bank, the management center will review the application materials and make a decision on whether to approve the loan within ten working days.

4. Sign the contract. The entrusted bank signs loan contracts and guarantee contracts with all loan applicants and guarantors.

5. guarantee. After the contract is signed, the entrusted bank and all loan applicants and guarantors shall go through the mortgage registration and other guarantee procedures in accordance with the loan contract.

6. Issue loans. The entrusted bank pays the funds.

Provisions on loan fees under the new policy (not implemented)

At present, the expenses related to provident fund loans are mainly concentrated in evaluation fees and guarantee service fees. It is understood that these intermediate costs generally account for 3‰~ 4‰ of the total provident fund loans, and the highest can reach 8‰.

After the reform, many expenses such as loan insurance, notarization and evaluation in the process of applying for provident fund loans were cancelled.

New Deal loan amount change (not implemented)

At present, the maximum amount of Wenshan housing provident fund loan is 6.5438+0.5 million yuan.

After the reform: wenshan city has not adjusted the amount of provident fund loans yet, and will update it as soon as possible if there is any change.

Loan amount:

The maximum amount of Wenshan housing provident fund loan is 6.5438+0.5 million yuan.

Loan interest rate:

Less than five years, including five years. %

More than five years, 4.5%

Note: In case of national interest rate adjustment, the new regulations shall prevail.

Loan term:

The longest loan term is 15 years. The longest starting and ending period of the loan shall not exceed the legal divorce or divorce age of the borrower or the housing provident fund pledge guarantor.