The Beijing Housing Provident Fund Management Center issued the Notice on Adjusting the Housing Provident Fund Individual Housing Loan Policy, and the provident fund loan was introduced to implement the New Deal.

The New Deal will take effect on June 17. If it has been signed online before, it shall be implemented according to the original regulations.

1, "loan identification" refers to the nationwide.

The first interpretation is the "recognition of housing and loan" of provident fund loans.

In the "3 17" New Deal, commercial loans have been "recognized for loans", while provident fund loans are only "recognized for houses" at present, that is, as long as there is no room in the name, you can apply for provident fund loans according to the first suite.

In this new policy, the provident fund loan has also implemented the "recognition of housing and loan". That is to say, if there is no housing loan record (including commercial loans and provident fund loans) under the name of the family buying a house and there is no housing in this city, it shall be handled according to the first home loan policy; Those who do not belong to the first suite and are approved as the second suite shall be handled according to the second suite loan policy. If there are two or more houses approved, no loans will be granted.

The specific applicable loan policy has a very clear table, and you can compare which situation it belongs to.

Explain that "loan identification" refers to the nationwide personal housing loan records in the credit information system of the People's Bank of China. In other words, if it is a foreign housing loan record, it will also be recognized as a loan record.

2. The down payment of provident fund loans is in line with commercial loans.

"Recognizing the house and loan" mainly affects the down payment ratio and loan interest rate. This provident fund loan also adjusted the down payment ratio.

Purchase affordable housing, the down payment ratio is not less than 20%;

Purchase the first set of property housing and other policy housing, the down payment ratio shall not be less than 30%;

The down payment ratio of the first set of ordinary self-occupied housing other than policy housing is not less than 35%, and the down payment ratio of the first set of non-ordinary self-occupied housing is not less than 40%.

For the purchase of ordinary self-occupied housing and the second set of housing, the down payment ratio shall not be less than 60%; If you buy a second set of non-ordinary housing, the down payment ratio shall not be less than 80%.

After this adjustment, the down payment ratio of provident fund loans and commercial loans is basically the same. A differentiated down payment policy will also be implemented, and a lower down payment ratio of 30% will still be given to policy housing with property rights.

Some people may ask, will the down payment ratio of portfolio loans increase?

Well, the original portfolio loan is also based on the principle of high, that is, if the down payment ratio of commercial loans is higher than that of provident fund loans, then the down payment ratio will be determined according to commercial loans. After the down payment ratio of provident fund loans and commercial loans is in line, the down payment ratio is the same. If not, the principle will be high and the down payment ratio will be the same as before.

3. You can get a loan of 654.38+10,000 yuan every year by depositing the provident fund.

The implementation of differentiated loan policy, the loan amount and the borrower's housing provident fund deposit period linked. According to the New Deal, in the future, the provident fund can borrow 6,543,800 yuan per year. If the deposit period is less than 654.38+ 0, the maximum loan can be 6,543,800 yuan according to 654.38+0.

In other words, an employee who has already paid the provident fund can only borrow 654.38+10,000 yuan in the first year when he has just joined the work and paid the provident fund. Then it will increase by 654.38+ten thousand yuan every year. When he pays with 12, he can get a loan of10.2 million yuan.

Attention! If the deposit period is less than 1 whole year, it shall be calculated as 1 whole year. In other words, when you deposit it in 1 year 1 month, it is considered that you have saved it for 2 years and can borrow 200,000 yuan.

Others will ask, if you are a husband and wife, can you get a loan of 6,543,800 yuan+0.2 million yuan together if you have both paid for 6 years?

The answer is no, according to the New Deal, the loan applicant is married, and the loan amount is calculated by the spouse who has paid for a long time. In other words, a husband can only borrow 700,000 yuan for 7 years and a wife for 5 years.

In addition, the current loan amount of the provident fund is related to the deposit amount. After the implementation of the New Deal, is the original calculation standard still valid?

The answer still stands. In other words, it is necessary to reach both the original standard and the fixed number of years to get the loan amount.

The relevant person in charge of the provident fund center said that this move is to implement the national policy of "rent and purchase at the same time", and young people are not encouraged to buy a house just after working, and then buy a house after accumulating a certain amount.

In addition, the provident fund loan will also reduce the maximum loan amount of the second home loan from 800,000 yuan to 600,000 yuan.

4. The loan amount for purchasing suburban houses for household registration in East and West Cities can be increased by 200,000 yuan.

The following policies will be of great concern to families in the East and the West. In order to implement the relevant requirements of Beijing's overall urban planning, provident fund loans are subject to differentiated loan quotas.

For example, if a family's husband and wife are registered in Dongcheng District or Xicheng District and buy the first home outside Dongcheng, Xicheng, Chaoyang, Haidian, Fengtai and Shijingshan District (the sixth district of the city), the maximum loan amount can be raised by 200,000 yuan. In other words, if the original maximum loan can be 6.5438+0.2 million yuan, then it can be 6.5438+0.4 million yuan. If the original maximum loan can be 700 thousand, it will eventually be 900 thousand.

If one spouse's household registration is in Dongcheng District or Xicheng District, and the other spouse's household registration is in Chaohai, Shi Feng and Shijiazhuang, the maximum loan amount can be increased by 654.38+10,000 yuan if the first home is purchased outside the sixth district of the city.

However, the final loan amount after the family floats must meet the loan amount determined by the standard that the monthly repayment amount does not exceed 60% of the borrower's monthly income.

5. The longest loan period shall not exceed 65 years old.

Provident fund loans have also adjusted the loan term.

It turns out that the longest term of provident fund loans is 70 years, not more than 25 years, for loans signed online on March 20 18 (inclusive) 17. In other words, a 45-year-old can borrow money for 25 years.

After this adjustment, the loan term of the loan applicant can be calculated as 5 years after the legal retirement age of the loan applicant. In principle, the longest loan term is no more than 65 years old. If the loan applicant is married, the loan term shall be calculated according to the longer of the husband and wife.

According to statistics, at present, the main families of provident fund loans are post-80 s and post-90 s, with less post-70 s and even rarer post-60 s, so the adjustment of loan life has little impact on buyers.

At the same time, this provident fund loan also adjusted the monthly repayment amount.

Previously, the other money of the provident fund loan borrower could be used to repay the loan. This is unscientific, because these families have daily expenses.

Therefore, the New Deal stipulates that the monthly repayment amount calculated by the equal principal and interest repayment method shall not exceed 60% of the borrower's monthly income, and the loan amount and loan term shall be determined. According to the adjusted standards, it can truly reflect the repayment ability of loan applicants and reduce the repayment pressure of loan applicants.

6. You don't need to submit a copy of your ID card and household registration book to apply for a loan.

The recent new policies are all convenient measures for everyone. This provident fund loan further simplifies the loan application materials.

First of all, the loan application materials to be submitted are simplified.

When accepting the application for provident fund loan, you only need to keep the original purchase contract (if it is inconvenient to provide the original, please provide a copy) and the original certificate of deposit and use of the housing provident fund for the loaned employees. The remaining loan application materials, such as household registration book and ID card, shall be kept in the electronic image file after verification. Paper copies are no longer required.

Moreover, after approval, the loan contract signed by the loan applicant and the management center was reduced from four to three, one for the loan applicant, one for the entrusted bank and one for the management center.

In addition, when the borrower handles the repayment business and changes the deduction account, it can go to the housing provident fund loan center and suburban management department under the management center as needed.

Only when you buy a house in your hometown can you buy a house in a different place and withdraw the provident fund.

Beijing Housing Provident Fund Management Center also released the Opinions on Implementing Simple Administration and Decentralization, Strengthening Supervision and Improving Services today. This time, according to the requirements of doing it right away, online, nearby and once, the housing provident fund has launched the registration and account opening of units, the change of unit information,

Moreover, the deposit unit can choose one of the 18 management department under the management center and the bank outlets entrusted with the collection of housing provident fund to handle the deposit and withdrawal of housing provident fund according to the principle of proximity and convenience. In other words, units that are not in Xicheng can also run in Xicheng management department, rather than fixed outlets.

The Notice will also be implemented together from next week.

The notice also adjusted and improved the provident fund withdrawal policy.

First of all, this time standardized the purchase of houses.

According to the New Deal, depositors and spouses of housing provident fund can only buy houses located in the administrative area of Beijing, or buy houses in counties, cities or provincial capitals where their household registration is recorded in their ID cards and household registration books. Housing provident fund depositors and their spouses who have a record of buying houses in the administrative area of Beijing cannot apply for buying houses in different places.

In other words, for example, if someone is from Datong City, Shanxi Province, he can only buy a house in Datong City and Taiyuan City, the provincial capital of Shanxi Province, before he can apply for a house purchase in a different place in Beijing to withdraw the provident fund. And if he has bought a house in Beijing and withdrawn the provident fund, then he can't buy a house in another place and withdraw the provident fund.

In addition, in the original provident fund policy, serious diseases such as cancer can be withdrawn from the provident fund. However, in recent years, the provident fund center has also found many fraudulent acts such as forging hospital diagnosis certificates. The serious illness has nothing to do with housing consumption. Therefore, this time, in principle, the provident fund for serious illness was cancelled.

Secondly, this new policy facilitates the withdrawal of migrant workers from household registration.

Migrant workers terminate their labor relations with their units, and if their household registration is local, it shall be handled in accordance with the provisions on the extraction of local household registration personnel. The household registration is from other places. If the job changes to other provinces and cities and the housing provident fund is established locally, the housing provident fund can be transferred from other places. If the local housing provident fund has not been established, and the payer of the housing provident fund is over 55 years old for men and 50 years old for women, he can cancel his account and withdraw the provident fund at one time.

Finally, we all know that the provident fund can be withdrawn by agreement, at least for one month, when the provident fund will be automatically withdrawn into the personal account.

The New Deal stipulates that if depositors apply for agreed withdrawal, the agreed withdrawal interval will be adjusted to three months, six months or one year after the first withdrawal is completed. In other words, there will be no monthly extraction for the agreed extraction.

The New Deal stipulates that the management center will immediately freeze the employee's housing provident fund accounts that illegally withdraw housing provident fund, order them to fully refund the amount illegally withdrawn, and record personal information in the bad information database, and will not handle the housing provident fund withdrawal within five years from the date of discovering the violation, and will not accept their housing provident fund loan applications. At the same time, the bad information will be copied to the Municipal Administration for Industry and Commerce, the Municipal Economic and Information Committee and other departments according to law, and joint punishment will be implemented. If the personal housing provident fund account is transferred in different places, the bad records extracted in violation of regulations will be transferred with the personal account.