1. When using the provident fund loan, the policy of "recognizing the house and recognizing the loan" shall be implemented. The so-called "recognizing the house and the loan" means not only to see whether there is a house under the name, but also to see 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; 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.
2. The provident fund loan will be linked to the deposit period, with a loan of 654.38+10,000 yuan for each year of deposit and a maximum loan of 12 years10.2 million yuan.
Legal basis:
Notice of Beijing Housing Provident Fund Management Center on Adjusting 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 essence of housing provident fund policy, Beijing Housing Provident Fund Management Center adjusted the loan policy with the approval of the19th plenary meeting of Beijing Housing Provident Fund Management Committee.
First, when applying for housing provident fund loans, "recognize housing and loan". The number of loan housing units shall be determined according to the criteria for determining commercial housing loans. "Housing" refers to the housing in Beijing under the borrower's name, and "loan" refers to the national personal housing loan records in the credit information system of the People's Bank of China, including commercial housing loan records and housing provident fund personal housing loan records.
Second, the loan amount is linked to the borrower's housing provident fund deposit period. In order to reflect the fairness and justice of the system, the loan can be 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+0.2 million yuan according to the calculation of 654.38+0. If the loan applicant is married, the loan amount shall be calculated by the long-term paying spouse.
The third is to distinguish the maximum loan amount. To implement the relevant requirements of Beijing's overall urban planning, households registered in the sixth district of the city who buy houses outside the sixth district of the city and are the first suites can increase the loan amount by up to 654.38+10,000 yuan and 200,000 yuan. For example, if a loan applicant has a household registration in Dongcheng District or Xicheng District of Beijing and buys the first home outside the sixth district of Beijing, the maximum loan amount can be raised to 6.5438+0.4 million yuan; 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 increased to 6.5438+0.3 million yuan if the first house is purchased outside the sixth district of the city. At the same time, the maximum loan amount of the second home loan was lowered from 800,000 yuan to 600,000 yuan.
Fourth, the down payment ratio was adjusted according 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 40%. The down payment ratio of the first set of housing for purchasing policy housing such as * * * property housing shall not be less than 30%. If you buy ordinary housing and it is a second house, the down payment ratio shall not be less than 60%, and the down payment ratio for purchasing non-ordinary housing shall not be less than 80%. In order to reflect the policy support for low-income families, the down payment ratio for purchasing affordable housing is not less than 20%.
The fifth is to adjust the loan term. The loan term can be calculated from the longest to the borrower's 70th birthday, and adjusted to the longest to 65th birthday in principle. If the loan applicant is married, the loan term shall be calculated according to the longer of the husband and wife.
Sixth, adjust the monthly repayment amount. On the premise of ensuring the borrower's basic living expenses, the monthly repayment amount calculated by the matching 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.
Seventh, adjust the guarantee method. Second-hand housing loans are issued after mortgage registration is completed. If the entrusted bank provides commercial loans for the purchase of faster houses and staged guarantees for the development of enterprises, the individual housing loan for housing provident fund will also be provided by the entrusted bank in collaboration with the development of enterprises. If the entrusted bank has no commercial loan in this project, Beijing Housing Loan Guarantee Center will still provide phased guarantee.
Eight is to streamline the loan application materials. For the convenience of loan applicants, the loan handling department of the management center only keeps the original purchase contract (if it is inconvenient to provide the original, provide a copy) and the original Certificate of Deposit and Use of Housing Provident Fund for Employees with Foreign Loans when accepting loan applications. After verification, the remaining loan application materials should be kept in the electronic image file for reference and retrieval when handling the business.
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, borrower and entrusted bank to one, and the management center, borrower and entrusted bank and Beijing Housing Loan Guarantee Center will not be retained.