Employees of non-municipal housing provident fund management center who purchase self-occupied ordinary housing within the administrative area of Xi and meet the application conditions of housing provident fund loans in our city.

Xi housing provident fund management center deposits employees to apply for provident fund loans when they purchase houses in other places, and it is implemented in accordance with the housing provident fund loan policy of the housing provident fund management center where the house is purchased.

Second, the application conditions

Workers who have paid the housing provident fund under one of the following two circumstances may apply for loans from different places:

(1) The applicant or spouse has an Xi account (original and photocopy provided);

(2) The applicant or spouse has been working or living in Xi for a long time (tax payment certificate or social security certificate or residence permit in Xi for more than one year is required).

When applying for a loan, the borrower shall meet the following conditions:

1. The borrower has continuously paid the housing provident fund in full for more than 6 months (inclusive) at the place where the housing provident fund was paid, and the deposit is normal;

2. Deposited employees with stable economic income, good credit, ability to repay loan principal and interest, and full capacity for civil conduct;

3. The credit report of the borrower and spouse has no record of default for three consecutive periods or more than six cumulative periods in the past five years, and the borrower and spouse have no outstanding housing provident fund loans (including the place where the housing provident fund is paid);

4. Agree to the relevant loan regulations of Xi Housing Provident Fund Management Center.

Third, the required information.

(1) Materials to be provided by employees from other places to purchase houses with loans from other places in Xi:

Certificate of deposit and use of employee housing provident fund with foreign loans issued by the housing provident fund management center of the deposit place (see attached table 1).

2. Details of the borrower's recent 12 month provident fund deposit, stamped with the official seal (or business seal) of the deposit center or deposit bank;

3. Resident identity cards of borrowers and their spouses;

4. Proof of the marital status of the borrower;

5. Proof of income of the borrower and his spouse;

6. Personal credit report of the borrower and his spouse printed by the bank;

7. Proof of down payment for house purchase;

8. Housing sales contracts or agreements that meet the legal requirements;

9. Other materials required for handling off-site loans.

(two) the materials that need to be provided when the local deposit workers apply for loans from other cities to open housing provident fund deposit and use certificates for employees with loans from other cities:

1. Fill in the Application Form for Individual Housing Provident Fund Loan in Different Places (see Schedule 2);

2. The original ID card of the applicant;

Fourth, the loan process.

(1) loan application. The borrower shall submit the loan application materials to the entrusted bank of Xi Housing Provident Fund Management Center in accordance with the requirements of Article 3 of these Measures.

(2) accept loans. After the entrusted bank summarizes all the loan application materials of the borrower, it shall submit the pre-approval to the center. After the pre-approval is passed, open an escrow account, enter relevant information, scan the original proof of deposit and use of housing provident fund for employees with loans from different places and the original application materials, and submit them to the central loan audit system.

(3) examination and approval. The center shall make a decision on whether to grant the loan within 15 working days after collecting all the loan materials, and notify the borrower and the housing provident fund management center of the deposit place; If the loan is granted, the entrusted bank shall notify the borrower to handle the relevant formalities.

(4) borrowing. After the loan contract and the house mortgage contract come into effect, the loan bank will transfer the loan funds into the account opened by the selling unit (person) according to the time specified in the loan contract.

(5) receipt. After the loan is issued, the entrusted bank handling personnel shall fill in the relevant loan information on the deposit and use certificate of housing provident fund for employees with loans in different places, and affix the official seal (or special business seal) in the center, and the borrower will give a feedback receipt and deposit it in the city provident fund center.

Verb (abbreviation of verb) loan amount, loan interest rate and term

The loan amount shall be implemented in accordance with the relevant regulations of Xi Housing Provident Fund Management Center.

The loan interest rate shall be subject to the provisions of the People's Bank of China. If the legal interest rate is adjusted during the loan period, it will not be adjusted if the loan term is within one year (inclusive); If it is more than one year, the new interest rate regulations will be implemented according to the corresponding interest rate grades from 1 of the following year.

The longest loan period is 30 years (second-hand house is not more than 20 years), and the final loan period is subject to the term of the Xi Personal Housing Provident Fund Loan Contract approved by the Provident Fund Center.

Intransitive verb loan repayment

The borrower shall, in accordance with the loan contract, deposit the monthly principal and interest payable into the repayment account opened by the loan bank on schedule.

If the borrower defaults on repayment, the entrusted bank shall be responsible for collecting the loan within 3 months; If the repayment is overdue for more than 3 months, Xi Housing Provident Fund Management Center will send a letter of assistance collection through the entrusted guarantee institution;

In case of default repayment for more than 6 months in a row, Xi Housing Provident Fund Management Center has the right to recover the loan, and the loan center will communicate with the deposit center to transfer the housing provident fund of the borrower and spouse for repayment.

Seven, matters needing attention

(1) The Employee Housing Provident Fund Deposit and Loan Certificate issued by the borrower or spouse at the deposit center shall be stamped with the official seal (or special business seal) of the deposit center or sub-center.

(two) the borrower or spouse in the deposit center issued the "employee housing provident fund deposit and use certificate" from the date to the date of issuance of the certificate shall not exceed 2 months.

(3) If the details of the borrower's or spouse's deposit are overdue or broken, it shall be implemented in accordance with the relevant provisions of Xi's housing provident fund loan.

(4) If the borrower deposits normally in this center and the spouse deposits normally in a different center, and the owner-occupied housing is purchased in An for provident fund loan, the loan amount can be calculated according to the spouse's Certificate of Employee Housing Provident Fund Deposit and Loan, and it can be accepted directly without opening a custody account.

Extended data:

Xi'an

2065438+On September 25, 2005, the reporter from Huashang Daily learned from the relevant staff of Xi Provident Fund Management Center that there was no notice of mutual loan from outside the province. However, Xi 'an has already achieved mutual loans in different places in the province. "After June 10 this year, people who are not from xi 'an, Shaanxi, can also apply for provident fund loans when buying a house in Xi 'an."

However, it is understood that you can use a combination loan of commercial loans and provident fund loans to buy a house in Xi 'an, and the application conditions for the combination loan are relatively strict. Borrowers must meet the conditions of provident fund loans and commercial loans at the same time. At present, it is only in the early trial operation of CCB.

When individuals buy a house, the sum of provident fund loans and commercial loans shall not exceed 70% of the total house price, that is, the total house price = down payment+provident fund loans+commercial loans. Portfolio loans combine the advantages of commercial loans and provident fund loans.

The interest rate of provident fund loans is low and there is no limit on the maximum amount of commercial loans. It is a good choice for people who just know the provident fund lender.

Loan resistance in different places

In fact, since the Ministry of Housing and Urban-Rural Development and other three ministries and commissions issued the new provident fund policy in June, 20 14, it was first mentioned to promote the provident fund loan in different places, but there was no follow-up policy until the Ministry of Housing and Urban-Rural Development recently issued the operating rules.

Since the loans from different places involve the local interests of different cities, it is basically impossible to advance without operating rules. At present, whether different cities can allow provident fund loans in different places depends on the trust between cities. Several cities signed an agreement to form a small circle, allowing loans from different places in a small area.

As early as May 2009, the housing provident fund management centers in Guangzhou, Foshan, Zhuhai, Huizhou, Jiangmen, Zhongshan, Dongguan and Zhaoqing signed the "Guangdong Pearl River Delta Urban Housing Provident Fund Loan Cooperation Agreement", which realized the mutual loan of housing provident funds in eight cities in the Pearl River Delta. However, this policy expired in May, 20 13, and has not been renewed since then, and basically stopped lending in different places.

From the perspective of property buyers, it is also convenient to allow provident fund loans from different places, especially those who work in first-tier cities, and can easily use provident fund loans to buy houses in second-and third-tier cities.

However, behind the policy that the provident fund allows loans from different places, it will be more convenient for buyers if the provident fund can be further allowed to be withdrawn from different places. However, due to the interests of the city, it is still difficult to realize the provident fund loan in different places.

laws and regulations

The Ministry of Housing and Urban-Rural Development issued the Notice on the Operation of Personal Housing Loans from Housing Provident Funds in Different Places (hereinafter referred to as the Notice)? [ 1]? , urging all localities to step up the introduction of business rules for off-site loans, and clarify the procedures for handling off-site loans for individual housing provident funds, which has attracted the attention of all parties.

The Ministry of Housing and Urban-Rural Development urged all localities to promptly introduce detailed rules for off-site loan business to ensure the orderly development of off-site loan business.

The "Notice" clarifies the process of handling individual housing loans for housing provident fund in different places. Deposited into the city provident fund center is responsible for reviewing the deposits and loans of employees, issuing written certificates to the loan city provident fund center, lending to the city provident fund center and the entrusted bank, and being responsible for the issuance of loans in different places.

References:

Baidu encyclopedia-provident fund loan in different places