1. When using provident fund loans, the policy of "recognizing the house and recognizing the loan" will be implemented. The so-called "recognizing the house and recognizing the loan" means that it depends not only on whether there is no house under the name, but also on the individual housing loan records nationwide. If the loan applicant has no housing loan record (including commercial housing loans and housing provident fund personal housing loans) and has no housing in this city, it shall be handled according to the first home loan policy; Anyone who does not belong to the first suite and is approved as a second suite shall be handled according to the second suite loan policy; If it is approved that there are two or more houses, no loan will be granted.
2. The provident fund loan will be linked to the deposit period, with a loan of 1, yuan for each deposit year and a maximum loan of 1.2 million yuan for 12 years.
Legal basis:
Notice of Beijing Housing Provident Fund Management Center on Adjusting the Individual Housing Loan Policy of Housing Provident Fund In order to thoroughly implement the spirit of the 19th National Congress of the Communist Party of China, adhere to the positioning of "houses are for living, not for speculation", implement the relevant requirements of Beijing's overall urban planning, further strengthen the management of housing provident fund, and return to the policy nature of housing provident fund, with the approval of the 19th plenary session of Beijing Housing Provident Fund Management Committee, Beijing Housing Provident Fund Management Center adjusted the loan policy.
First, when applying for housing provident fund loans, "recognize the house and the loan". The determination of the number of loan housing units shall be carried out according to the commercial housing loan determination standard. "Housing" refers to the housing under the name of the borrower in Beijing, and "loan" refers to the national personal housing loan records in the People's Bank of China credit information system, including commercial housing loan records and housing provident fund personal housing loan records.
Second, the loan amount is linked to the deposit period of the housing provident fund of the borrower. In order to reflect the fairness and impartiality of the system, a loan of 1, yuan can be made every year. If the deposit period is less than one whole year, the maximum loan can be 1.2 million yuan according to one whole year. If the loan applicant is married, the loan amount shall be calculated by the spouse who has paid for a long time.
the third is to differentiate the maximum loan amount. To implement the relevant requirements of Beijing's overall urban planning, the maximum loan amount can be increased by 1, yuan and 2, yuan for families who purchase houses outside the six districts of Beijing and are the first suites. For example, if the household registration of the loan applicants is in Dongcheng District or Xicheng District of Beijing, the maximum loan amount can be raised to 1.4 million yuan if the first home is purchased outside the six districts of Beijing; For those who do not belong to the former situation, but the household registration of the loan applicant is in the sixth district of the city, the maximum loan amount can be raised to 1.3 million yuan when purchasing the first house outside the sixth district of the city. At the same time, the maximum loan amount for second-home loans was lowered from 8, yuan to 6, yuan.
Fourth, the down payment ratio was adjusted with reference to the current commercial loan policy. That is, the down payment ratio of the first set of ordinary housing is not less than 35%, and the down payment ratio of the first set of non-ordinary housing is not less than 4%. The down payment ratio of the first set of housing for the purchase of policy housing such as * * * property houses shall not be less than 3%. If you purchase ordinary housing and it is a second house, the down payment ratio shall not be less than 6%, and the down payment ratio for purchasing non-ordinary housing shall not be less than 8%. In order to reflect the policy support for low-income families, the down payment ratio for the purchase of affordable housing is not less than 2%.
fifth, the loan period has been adjusted. The loan term can be calculated from the longest to the 7-year-old of the borrower, and adjusted to the maximum of 65 years old in principle. If the loan applicant is married, the loan term shall be calculated by the longer of the husband and wife.
Sixth, adjust the monthly repayment amount. On the premise of ensuring the basic living expenses of the borrower, the monthly repayment amount calculated by the equal principal and interest repayment method shall not exceed 6% of the monthly income of the borrower, and the loan amount and loan term shall be determined.
the seventh is to adjust the guarantee method. Loans for second-hand houses will be released after mortgage registration is completed. If the entrusted bank provides commercial loans for the purchase of auction houses and the development enterprises provide phased guarantees, the individual housing loans for housing provident fund will also be provided phased guarantees by the entrusted bank in coordination with the development enterprises. If the entrusted bank has no commercial loans in this project, the Beijing Housing Loan Guarantee Center will still provide phased guarantees.
eight is to streamline the loan application materials. For the convenience of the loan applicant, when accepting the loan application, the loan handling department of the management center only keeps the original of the house purchase contract (if it is inconvenient to provide the original, provide a copy) and the original of the Certificate for the Deposit and Use of Housing Provident Fund for Employees with Foreign Loans. After verification, the remaining loan application materials shall be kept in electronic image files for review and retrieval during business handling.
nine is to streamline archival materials. Implement the concept of green development, and reduce the loan contract of the existing management center, Beijing Housing Loan Guarantee Center, the borrower and the entrusted bank to one for the management center, the borrower and the entrusted bank, and the Beijing Housing Loan Guarantee Center will not be retained.