According to China's "Regulations on the Management of Housing Provident Fund", employees can apply for provident fund loans when purchasing, building, renovating or overhauling their own houses. Notice of Beijing State-managed Provident Fund Loan Policy on Adjusting Housing Provident Fund Personal Housing Loan Policy to Further Optimize Services 1 Central State Organs Housing Provident Fund Management Agency: In order to further thoroughly implement the spirit of the 19th National Congress of the Communist Party of China and the State Council's reform requirements of "simplifying administration and decentralization, strengthening supervision and improving services", we will continue to adhere to the positioning that "houses are for living, not for speculation", vigorously support the basic housing consumption needs of employees and facilitate their work. The relevant issues concerning the adjustment of the housing provident fund personal housing loan policy of the central state organs are hereby notified as follows: 1. Increase the support for basic housing consumption demand; 1. Support employees to purchase policy housing. When employees purchase policy-oriented housing, when determining the amount of housing provident fund personal housing loan (hereinafter referred to as loan), factors such as deposit balance, deposit period, spouse's deposit amount and adjustment coefficient are not considered. The purchase of affordable housing (including affordable housing management housing, the same below) to apply for loans, according to the first set of housing loan policy; Apply for a loan to purchase policy-oriented housing such as * * * property housing, and determine the loan application policy according to the actual housing and loan situation under the borrower's name. The purchase of policy-oriented housing loans will be guaranteed by automatic installment. If the materials are complete, the processing period from application to issuance shall not exceed 8 working days. Second, adjust the loan application conditions (II) Adjust the loan application conditions. When applying for a loan, the borrower shall meet the following conditions: 1. When applying for a loan, the borrower should continuously deposit the housing provident fund for more than 6 months (inclusive) and his housing provident fund account is in a normal deposit state; Or with the approval of the housing fund management center of the central state organs (hereinafter referred to as the fund center), the paid employees are in a state of deferred payment, sealing up or retirement cancellation. 2. The borrower and his wife have no outstanding housing accumulation fund, personal housing loan and policy discount loan. 3. Meet other conditions stipulated by the Fund Center. The third is to further implement the differentiated loan policy. Third, adjust the criteria for determining the number of housing units. If the family of the loan applicant (including the loan applicant, spouse and minor children) has no housing in Beijing and there is no housing loan record under the names of both husband and wife (including commercial housing loans and housing provident fund loans, the same below), it shall be handled according to the first housing loan policy. If the family of the loan applicant has no housing in this city and only has 1 housing loan record in its name, and only has 1 housing loan record in this city and no housing loan record in its name or only has 1 housing loan record, it shall be handled according to the second housing loan policy. If it is identified as two or more houses, no loan will be granted. (4) Adjust the down payment ratio. If the loan applicant purchases affordable housing, the down payment ratio shall not be less than 20% of the total purchase price; When purchasing the first set of housing other than affordable housing, the down payment ratio shall not be less than 30% of the total purchase price; For the purchase of two houses, the down payment ratio shall not be less than 60% of the total purchase price. If the loan applicant purchases a stock house, the total purchase price shall be the lower of the house appraisal value and the total purchase contract price. (5) Adjust the maximum amount of the second home loan. The maximum amount of the first home loan is 6,543,800 yuan+0.2 million yuan, and the benchmark loan interest rate is implemented; The maximum amount of the second home loan is 600,000 yuan, and the loan interest rate is 1. 1 times of the benchmark loan interest rate for the same period. Four. Adjust the loan term and the upper limit of monthly repayment (VI) Adjust the loan term. The term of the loan shall not exceed 25 years, the longest of which can be calculated as 5 years after the statutory retirement age of the borrower, and the longest shall not exceed 65 years of age. (7) Adjust the upper limit of monthly repayment. On the premise of ensuring the borrower's basic living expenses, according to the loan amount, term and applicable interest rate applied by the borrower, the monthly repayment amount calculated by the matching principal and interest repayment method shall not exceed 60% of the borrower's monthly income. V. Further facilitating employees to handle business (8) Opening the housing provident fund loan repayment business. The loan applicant can start the loan repayment business when applying for a loan, and authorize the provident fund center to use the funds in its housing provident fund account to repay the loan, without having to handle the housing provident fund withdrawal business separately. (nine) loan processing "only run once". The loan applicant can go to the loan handling bank outlets to complete the loan application procedures on the spot. If you voluntarily choose to open the EMS free mail loan contract, you don't need to go to the bank outlet to collect it after the loan is issued, so as to realize "only running once" in loan processing. (10) Further streamline the certification materials. When applying for a loan, the loan applicant only needs to bring the original documents such as identity certificate, marriage certificate and down payment certificate, and does not need to provide a copy. See the annex for a list of other loan application materials. If the borrower deposits the housing provident fund in Beijing Housing Provident Fund Management Center, it is not necessary to provide a personal inquiry form for housing provident fund; If the housing provident fund is transferred to the provident fund center to deposit the housing provident fund through the national housing provident fund transfer and connection platform in different places, it is not necessary to provide the "Certificate of Deposit and Use of Housing Provident Fund for Employees with Foreign Loans" issued by the original deposit city provident fund center; If the deposit time of housing provident fund for demobilized military personnel does not meet the relevant provisions, the transfer certificate shall be provided, and the "Certificate of Housing Provident Fund Deposit" issued by the original unit shall not be provided. (eleven) the progress of the loan publicity. The fund center publicizes the loan processing progress of each bank outlet on the portal website, and the loan applicant can choose the processing place according to the needs. This notice shall be implemented as of April 20 15 19, subject to the online signing date. If the online signing has been completed before, it shall be implemented according to the original regulations. Please forward it to your subordinate units at all levels in Beijing in time, and do a good job in publicity and explanation.
Legal objectivity:
"Regulations on the Management of Housing Provident Fund" Employees may withdraw the storage balance in the housing provident fund account under any of the following circumstances: 1, purchase, build, renovate or overhaul their own houses; 2. Retired; 3, completely lose the ability to work, and terminate the labor relationship with the unit; 4. Go abroad to settle down; 5. Repay the principal and interest of the owner-occupied housing loan; 6. renting a house for self-occupation; (Employees and their spouses who have no own houses in Beijing and rent public rental houses or commercial houses can withdraw the housing provident fund to pay the rent. ) 7, life is difficult, is receiving urban subsistence allowances; 8. Encountering unexpected events, causing serious difficulties in family life; 9, migrant workers and units to terminate the labor relationship; 10, who is sentenced to death, life imprisonment or fixed-term imprisonment at the expiration of the statutory retirement age; 1 1, dead or declared dead; If an employee withdraws the housing provident fund in accordance with Article 4 of these Measures (1, 5, 6, 7 and 8), his spouse may withdraw the housing provident fund from his account at the same time.