In order to improve the housing consumption capacity of employees who have paid housing provident fund, and support employees who have paid housing provident fund to buy the first and improved self-occupied housing, according to the relevant provisions of the Regulations on the Management of Housing Provident Fund, 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, Realizing Mutual Recognition, Transfer and Continuation of Housing Provident Fund Payment in Different Places, and Promoting Loan Business in Different Places:
In order to meet the needs of workers' mobility, the notice requires that all localities should realize mutual recognition and transfer of housing provident fund deposits in different places, and promote the loan business in different places, that is, employees can apply for housing provident fund personal housing loans from the housing provident fund management center where they are registered on the basis of the payment certificate issued by the housing provident fund management center in their place of employment;
Employees who have paid the housing provident fund in full for more than 6 months (inclusive) may apply for individual housing loans from the housing provident fund;
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, and they are not allowed to issue housing provident fund personal housing loans to paid employees' families who purchase the third and above houses;
Housing provident fund individual housing loan issuance rate is less than 85% of the cities divided into districts, according to the local commodity housing prices and per capita housing area, the first set of self-occupied housing loans can be appropriately increased;
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.