The notice pointed out that the "one-stop" business management mode should be promoted in strict accordance with the requirements of "separation of management and operation", and the loan departments of stock houses and various loan departments should do a good job in the management and business coordination of the business outlets under their jurisdiction, and should not arbitrarily raise the loan threshold or simplify the relevant procedures for personal loan management, and further strengthen the content of "not meeting each other and running online".
In addition, in order to meet the different needs of loan workers, the repayment method of "equal principal and interest repayment" has been added to the repayment method of personal loans.
The following is the full text of the notice:
Documents of Taiyuan Housing Provident Fund Management Center
Unified Reserve Fund (No.:202 1 13)
Taiyuan housing fund management center
Thoughts on further strengthening the management and service of personal loans
Work notice
Railway sub-centers, sub-bureaus and departments:
In order to implement the relevant requirements of institutional reform, further standardize the management and service of housing provident fund loans in our center, promote the combination of decentralization and decentralization, optimize services, and build service units, according to the Notice on Printing and Distributing the Notice of the Ministry of Construction (Ministry of Construction Zi (202 1)No. 17), combined with the Regulations on the Administration of Housing Provident Fund (the State Council), Guiding Opinions of the Ministry of Construction on the Responsibilities and Internal Authorization Management of Housing Provident Fund Management Center (J&G (2003) No.70) and Notice of the Ministry of Housing and Urban-Rural Development on Strengthening and Improving Housing Provident Fund Services.
First, in strict accordance with the requirements of "separation of management and operation", promote the "one-stop" business management model. In the process of handling the personal loan business of housing provident fund, the stock housing loan department and the business handling outlets under the jurisdiction of the loan department need to complete the acceptance, review, approval and issuance of personal housing loans and personal housing portfolio loans within the prescribed time limit according to the internal authorization of the central legal person and the requirements of "one-stop" business handling;
Second, the loan department of the stock house and the loan departments should do a good job in the management and business coordination of the business outlets under their jurisdiction, strengthen the inspection of the implementation of the authorized management of the business outlets under their jurisdiction under the guidance of the relevant departments of the center, and supervise the daily business activities of the business outlets;
Three, the relevant departments of the center should implement the relevant provisions of the housing provident fund personal loans as required, to ensure that the decision-making arrangements and policies and measures of the center are in place, and shall not arbitrarily raise the loan threshold or simplify the relevant procedures for personal loans;
Four, cooperative units do not have the relevant conditions, should require the sub-centers, branches, the stock of housing loans and loans within a time limit for rectification, overdue rectification is not in place, can suspend its qualification;
Five, all branches (management department) and business outlets in the process of handling housing provident fund personal loan business, should strictly implement the notification commitment system, inter-provincial general office and other related requirements, to provide relevant convenient services for borrowing workers;
Six, give full play to the role of the branch in charge of personal loans (management department), and strengthen the division of labor in pre-trial appointment, filing management, post-loan management, and the implementation of the pending trial system. , and regularly check the compliance of personal loans issued by this department.
Seven, to further strengthen the "no meeting, online processing", for the housing provident fund personal loan business has opened the mobile app business matters, advocate and encourage borrowing workers to handle through the mobile app;
Eight, in order to meet the different needs of loan workers, the repayment method of "equal principal and interest repayment" is added to the repayment method of personal loans.
Taiyuan housing fund management center
202 1 may 3 1