Jinjian No.20 20 10/0
People's governments of all provinces, autonomous regions and municipalities directly under the Central Government, relevant departments of the State Council, and Xinjiang Production and Construction Corps:
In order to standardize the housing provident fund individual housing loan policy, according to the relevant provisions of the Regulations on the Administration of Housing Provident Fund and the Notice of the State Council on Resolutely Curbing the Excessive Rise of Housing Prices in Some Cities (Guo Fa [2065 438+00] 10), with the consent of the State Council, the relevant issues are hereby notified as follows:
1. Housing provident fund Personal housing loans can only be used to pay for the purchase, construction, renovation and overhaul of ordinary self-occupied housing for employees and support basic housing needs. It is strictly forbidden to use housing provident fund and personal housing loans for speculative purchase.
The second is to maintain the continuity and stability of the policy of paying employees' families (including borrowers, spouses and minor children, the same below) to use housing provident fund personal housing loans to purchase the first set of ordinary self-occupied housing. Use the housing provident fund personal housing loan to purchase the first set of ordinary self-occupied housing. If the construction area of Xing Tao is less than 90 square meters (inclusive), the down payment ratio of the loan shall not be less than 20%; If the construction area of Xing Tao is over 90 square meters, the down payment ratio of the loan shall not be less than 30%.
Third, the second set of housing provident fund personal housing loans are only issued to paid workers' families whose existing per capita housing construction area is lower than the local average level, and the loan purpose is limited to purchasing ordinary self-occupied housing to improve living conditions. The down payment ratio of the second housing provident fund personal housing loan shall not be less than 50%, and the loan interest rate shall not be less than 1. 1 times of the first housing provident fund personal housing loan interest rate in the same period.
Four, stop the payment of housing provident fund personal housing loans to the families of paid workers who buy the third and above houses.
Five, the urban housing provident fund management committee to according to the local housing prices, per capita housing construction area and the development of housing provident fund business, to support the paid workers to buy ordinary self-occupied housing loan demand as the principle, reasonably determine the maximum amount of housing provident fund personal housing loans, and report to the provincial housing and urban construction, finance, people's Bank, banking supervision departments for the record. The maximum amount of individual housing loans for housing accumulation funds of municipalities directly under the Central Government and Xinjiang Production and Construction Corps shall be reported to the Ministry of Housing and Urban-Rural Development, the Ministry of Finance, the People's Bank of China and the China Banking Regulatory Commission for the record.
Six, the city housing provident fund management center and the entrusted bank should take effective measures to strengthen the investigation, review, mortgage, issuance and recovery of individual housing loans of housing provident fund, and effectively strengthen loan risk management to ensure the safety of funds. The housing provident fund management center shall, jointly with the relevant competent departments, promptly establish an information sharing mechanism to prevent fraudulent housing provident fund personal housing loans and other acts. At the same time, it is necessary to simplify the procedures and improve the service level.
The people's governments of cities should, in light of local conditions, pay close attention to formulating specific measures to implement the spirit of this notice and actively do a good job in policy interpretation. The people's governments of all provinces, autonomous regions and municipalities directly under the Central Government and the relevant departments of Xinjiang Production and Construction Corps should strengthen work guidance and intensify supervision and inspection. Relevant issues in policy implementation should be reported to the Ministry of Housing and Urban-Rural Development, the Ministry of Finance, the People's Bank of China and the China Banking Regulatory Commission in a timely manner.
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
China Banking Regulatory Commission
20 10 year 1 1 month 2