According to the "Notice on Effectively Improving the Efficiency of Housing Provident Fund" issued by the state, the Housing and Construction Department of Guangxi Autonomous Region decided that starting from 20 15 10 8, Guangxi will no longer be restricted by the Beibu Gulf Economic Zone, and the provident fund loan business will be implemented not only in the whole region, but also in the whole country.

The person in charge of the provident fund supervision department of the Housing and Construction Department of the autonomous region said that after the full implementation of the off-site loan, the paid employees can apply for personal housing loans from the housing provident fund management center in the place where they buy houses according to the personal housing loan policy of the housing provident fund in the place where they buy houses. For example, Wuzhou citizens who want to buy a house in Guilin can apply for a personal housing loan from the local housing provident fund center in accordance with the local housing provident fund personal housing loan policy in Guilin; If Nanning citizens want to buy a house in Qingdao, they only need to apply for a personal housing loan from the local housing provident fund center in Qingdao according to the local housing provident fund personal housing loan policy.

In fact, as early as June this year, Guangxi proposed to implement off-site loans in the Beibu Gulf Economic Zone. Paid employees who purchase houses in Beibu Gulf Economic Zone are regarded as the same city, and apply for personal loans of housing provident fund according to the policy of the same city. Loans are granted in principle by the place where they buy a house. If the personal loan interest rate of the housing provident fund in the place where they buy a house is too high, they can pay it in the place where they deposit it. After the implementation of the new foreign debt policy at the national level, the scope of benefits has broken through the four cities in Beibu Gulf and further expanded.

In addition to the full realization of off-site loans, the Ministry of Housing and Urban-Rural Development and other three departments also proposed that cities with districts whose utilization rate of housing provident fund funds was less than 85% by the end of August 2005 should comprehensively consider the local housing price level, loan demand and borrower's repayment ability, and increase the actual amount of housing provident fund personal housing loans. On the premise of ensuring the borrower's basic living expenses, the upper limit of the monthly repayment amount to the monthly income is controlled at 50%-60%. The loan repayment period can be extended to 5 years after the statutory retirement age of the borrower, and the longest loan period is 30 years. Monthly transfer of housing provident fund to repay loan principal and interest.

Correspondingly, Guangxi issued the Notice on Further Increasing Housing Provident Fund to Support Housing Consumption, which also clearly stated that-

● All localities should promptly raise the maximum loan amount according to the local housing price level and cancel the unreasonable restrictions on determining the actual loan amount;

● In principle, the maximum loan amount shall not be less than 80% of the total house price of commercial housing with construction area 100 square meter, and cities with individual loans higher than 85% may continue to implement the current maximum loan amount;

● In addition, in view of the requirements of the three departments to simplify the business approval requirements, the Housing and Construction Department of the autonomous region also explicitly requires all localities to clean up the existing approval requirements in accordance with relevant state regulations and simplify them as much as possible;

● If the paid employees apply for housing provident fund personal housing loans and agree to calculate the monthly income according to the monthly payment of their housing provident fund, the unit does not need to issue the employee income certificate;

● When employees deposit leased commercial housing to apply for housing provident fund, they don't need to provide other supporting materials except identification and proof that they and their spouses have no housing.