What is the national provident fund?
Long-term housing savings paid by employees of state-controlled units such as central state organs and units in Beijing belong to state-controlled provident fund, which is different from municipal-controlled provident fund. The state-controlled provident fund is managed by the housing fund management center of the central state organs, and also includes the Zhongzhi Provident Fund (housing provident fund paid by directly under the authority Branch).
Identification method
How to tell whether your organization is managed by the state or the city? To put it simply, the place where the number 502 and 509 begins in the column of "Personal Registration Number" in the Application Form for Entrusted Loan with Personal Housing Guarantee is the national management unit; Numbers beginning with the ID number are often regarded as municipal management units.
loan limit
According to the Notice on Further Adjusting Personal Housing Provident Fund Loans issued by the Housing Fund Management Center of the Central State Organs on March 3, 20 15, the amount of housing provident fund loans managed by the state is as follows, and these Provisions shall be implemented as of March 6, 20 18.
According to the relevant requirements of Guiding Opinions on Several Specific Issues of Housing Provident Fund Management (Beijing Provident Fund [2005] No.5), within the maximum loan amount determined by Beijing Housing Provident Fund Management Committee, the specific personal loan amount of housing provident fund is determined by comprehensively considering the factors such as the borrower's deposit time, personal account balance, repayment ability and spouse's deposit. If the loan applicant purchases the first self-occupied housing and fails to withdraw the housing provident fund within 1 year before the loan is accepted, the original personal account balance is less than 20,000 yuan, and the personal account balance is adjusted to less than 50,000 yuan, which is calculated as 50,000 yuan.
From February 9, 20 15, if the borrower purchases the "self-occupied commodity housing" and it is the first self-occupied housing, he will apply for a personal loan of housing provident fund, with the maximum loan amount of 12 months (inclusive), and has paid the housing provident fund in full for 6 months before applying for the loan, and it is in the state of payment at the time of application.
Examination and approval time
Implement the loan acceptance form and the time-limited completion system. Housing provident fund personal loan application materials meet the requirements, the entrusted bank loan handling outlets shall accept, and issue an acceptance form. The individual housing provident fund loan is approved within 15 working days from the date of issuance of the acceptance form (excluding the time when supplementary materials are needed for personal reasons).
Query method
Deposited employees can inquire about the personal loan amount of housing provident fund through the "personal loan inquiry" column of the website of the housing fund management center of the central state organs, or entrust the bank loan processing outlets to inquire about the loan processing progress. The specific amount of housing provident fund personal loans shall be subject to the examination and approval results.
(The above answers were published on 20 15-06- 10. Please refer to the actual situation for the current purchase policy. )
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