I. Urban Housing Fund;
2. Housing accumulation fund provided by administrative, public institutions and enterprises;
Three, administrative institutions and enterprises to collect housing rental deposit;
Four, employee housing provident fund;
Five, the local policy of issuing housing construction bonds to raise funds;
The housing loan funds provided by international financial organizations for local governments. Article 4 The scope of application of policy housing funds
First, the mortgage loans for employees of units that implement housing reform to purchase, build and overhaul self-occupied housing;
Two, the issuance of urban affordable housing development loans;
Three, the implementation of housing reform units to buy and build employee housing mortgage loans;
Four, with the consent of the client to buy national bonds. Article 5 The People's Construction Bank of China, the Industrial and Commercial Bank of China and the Agricultural Bank of China are designated banks to handle the policy housing credit business. Before the issuance of these Provisions, the original entrusted business remains unchanged, and the new policy-based housing credit business, entrusted by the client, shall be handled according to the following principles:
First, Yantai and Bengbu (including counties and county-level cities under their jurisdiction) are handled by the Housing Savings Bank;
2 municipalities directly under the central government, provincial cities, county-level cities and large industrial and mining areas shall be handled by the People's Construction Bank of China and the Industrial and Commercial Bank of China;
Three, the county (excluding county-level cities), handled by the Agricultural Bank of China.
In addition to the banks designated by these regulations, other financial institutions may not absorb policy housing fund deposits and handle policy housing credit business. Article 6 When entrusting a designated bank to handle the policy housing credit business, the client and the entrusted bank shall sign a contract in accordance with the relevant policies and regulations of the national housing system reform, and clarify the rights and obligations of both parties. Seventh policy housing funds shall be deposited in the real estate credit department of the entrusted bank (housing savings bank, county branch of state-owned commercial bank, the same below). According to the nature of each fund, the real estate credit department of the bank conducts accounting by policies, units and individual employees.
According to the entrustment contract, if the employee housing provident fund is collected and repaid by the housing fund management institution designated by the client, the bank real estate credit department will open a special account for the housing fund management institution. Article 8 All relevant financial institutions shall, according to the requirements of customers and the settlement system, transfer policy housing funds into the account opened by the real estate and housing loan department of the designated bank. The allocation of housing funds of enterprises must obtain the consent of enterprises. Article 9 The real estate credit department of a bank shall examine, approve, issue and recover various housing loans according to the annual policy housing fund use plan and policy housing loan management regulations issued by customers.
Policy housing credit business, in accordance with the relevant provisions of the Ministry of Finance to withdraw bad debt reserves and write off bad debts. Tenth for housing loan projects that do not meet the requirements of policy housing loan management, the real estate credit department of the bank shall make suggestions to the client; Customers should respect the opinions of banks and adjust their usage plans. Eleventh policy housing deposits, loans and bonds interest rates, set by the people's Bank of China.
First, according to the housing area of individual employees and their families, the housing construction bonds with a term of not more than 5 years can be temporarily lowered, but the minimum interest rate shall not be lower than the statutory half-year time deposit rate. The specific interest rate level shall be formulated by the branches of the People's Bank of China in all provinces, autonomous regions and municipalities directly under the Central Government and reported to the head office of the People's Bank of China for the record.
Two, employees' individual housing provident fund deposits, generally according to the statutory half-year fixed deposit interest rate. On June 30th of each year, Fang Xin Provident Fund deposits are settled according to the bank listing interest rate 1 in July of last year, and automatically transferred from the settlement date.
Three, the unit and the employee individual housing loan interest rate, in the employee individual housing provident fund deposit interest rate plus a prescribed spread:
The interest rate of unit housing loan (quarterly interest settlement) shall be increased by 1.8 percentage points within 3 years, and by 2. 16 percentage points from 3 years to 5 years; If there is an additional grace period to repay the principal, the annual term will be increased by 0. 18 percentage points; No loan collateral, plus 0.99 percentage points.
The interest rate of employees' personal housing mortgage loan (with monthly or quarterly interest settlement) will be raised by 1.8 percentage points in five years, 2.34 percentage points in five years to 10, 2.88 percentage points in 10/5 years, and 3 percentage points in 15 years to 20 years.
The housing loan interest rate of units and employees is adjusted with the deposit interest rate of individual housing provident fund of employees.
Four, other housing deposits, loan interest rates, according to the statutory interest rate announced by the People's Bank of China. Article 12 The commission rate for the entrusted bank to handle the policy housing credit business shall be determined by the client and the entrusted bank through consultation in accordance with the relevant provisions of the People's Bank of China.