In order to thoroughly implement the spirit of the 19th National Congress of the Communist Party of China, adhere to the orientation of "houses are used for living, not for speculation", implement the relevant requirements of Beijing's overall urban planning, actively guide citizens' reasonable housing consumption, support citizens' basic housing needs, and curb speculative investment in buying houses.
With the approval of the19th plenary meeting of Beijing Housing Provident Fund Management Committee, relevant issues concerning the adjustment of housing provident fund individual housing loan (hereinafter referred to as loan) policy are hereby notified as follows:
I. Loan conditions
When applying for a loan, the loan applicant shall meet the following conditions:
1. When applying for a loan, the borrower should continuously deposit the housing provident fund for more than half a year (inclusive) and his housing provident fund account is in a normal deposit state; Retirees have paid housing provident fund before retirement. 2. The loan applicant must be qualified to buy a house in Beijing; Apply for a loan to pay for the purchased house.
3. If the loan applicant (including the same applicant, the same below) 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.
The second is to implement a differentiated loan policy.
1. The loan amount is linked to the borrower's housing provident fund deposit period.
If the maturity is less than 1, the maximum loan is1.20,000. If the loan applicant is married, the loan amount shall be calculated by the long-term paying spouse.
2. Implement the relevant requirements of Beijing's overall urban planning and implement differentiated loan quotas.
If the loan applicant's household registration is in Dongcheng District or Xicheng District of Beijing, he can purchase the first home outside Dongcheng District, Xicheng District, Chaoyang District, Haidian District, Fengtai District and Shijingshan District (hereinafter referred to as Chengliu District), and the maximum loan amount can be increased by 200,000 yuan;
For those who do not belong to the former situation, but the loan applicant's household registration is in the sixth district of the city, buying the first house outside the sixth district of the city can increase the loan amount by up to 65,438+10,000 yuan;
For those who do not belong to the above two situations, the maximum loan amount for purchasing the first house is 6,543,800 yuan+0.2 million yuan. Meet the requirements of the second home loan policy, with a maximum loan amount of 600,000 yuan.
3. Adjust the down payment ratio
Purchase affordable housing, the down payment ratio is not less than 20%; Purchase the first set of property housing and other policy housing, the down payment ratio shall not be less than 30%; The down payment ratio of the first set of ordinary self-occupied housing other than policy housing is not less than 35%, and the down payment ratio of the first set of non-ordinary self-occupied housing is not less than 40%.
For the purchase of ordinary self-occupied housing and the second set of housing, the down payment ratio shall not be less than 60%; If you buy a second set of non-ordinary housing, the down payment ratio shall not be less than 80%.
The identification standards for ordinary self-occupied housing and non-ordinary self-occupied housing shall be implemented in accordance with the Notice on Relevant Issues Concerning Adjusting the Average Transaction Price of Ordinary Housing with Preferential Tax Policies in this Municipality (J.J.F. No.382) jointly issued by Beijing Housing and Urban-Rural Development Committee, Beijing Finance Bureau and Beijing Local Taxation Bureau.
If there is any adjustment to the identification standards of ordinary self-occupied housing and non-ordinary self-occupied housing, the adjusted standards shall prevail. Third, adjust the loan term, repayment amount and guarantee method to further improve the level of risk prevention.
1. Adjust the loan term.
The longest loan term of a loan applicant can be calculated to be 5 years after the legal retirement age of the loan applicant, and in principle it is not more than 65 years old. If the loan applicant is married, the loan term shall be calculated according to the longer of the husband and wife.
2. 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.
3. Adjust the guarantee method
In order to prevent loan risks, banks that apply for loans to purchase new commercial housing are entrusted with housing provident fund loans, such as providing personal housing loans for this project. And signed a phased guarantee agreement with the development enterprise, which should coordinate the development enterprise to provide phased guarantee equal to the commercial housing loan for individual purchase and use of housing provident fund loans;
The entrusted bank has not signed a phased guarantee agreement with the development enterprise, and the Beijing Housing Loan Guarantee Center provides phased guarantee. The purchase of second-hand housing to apply for housing provident fund loans shall be secured by mortgage, and the loans shall be issued after mortgage registration.
Four, further simplify the loan application materials, improve the service level.
1. Loan application materials to be submitted
When applying for a loan, the loan applicant needs to submit personal identity information, house purchase information and second-hand house seller information. See the annex for specific information types and quantities.
The loan handling department of Beijing Housing Provident Fund Management Center (hereinafter referred to as the management center) shall keep the original of the house purchase contract (if it is inconvenient to provide the original, a copy shall be provided) and the original of the Certificate of Deposit and Use of Housing Provident Fund for Overseas Loan Employees. After the loan application materials are verified, the loan handling department shall keep the electronic image files in time for use in the process of business handling.
2. Retained audit materials
After approval, the loan applicant and the management center shall sign a loan contract in triplicate, one for the loan applicant, the entrusted loan bank and the management center respectively.
3. Changes in repayment situation
When the borrower handles the repayment business and changes the deduction account, it can go to the housing provident fund loan center and suburban management department under the management center as needed. When accepting the loan change business, the loan handling department shall timely save the electronic image file of the business handling materials provided by the borrower as required, and no longer charge the borrower a copy.
Scope of application of verb (abbreviation of verb)
If this notice has been signed online since last year, it shall be implemented according to the original provisions. * * * The Central directly under the authority Sub-center, the Central State Organs Sub-center and the Beijing Railway Sub-center may refer to this Notice, unless otherwise specified.