Operating rules for employee housing provident fund loans in Huangshi City In order to standardize the loan behavior, safeguard the legitimate rights and interests of housing provident fund owners and ensure the safety and efficiency of housing provident fund, these operating rules are formulated according to the Regulations on the Administration of Housing Provident Fund and the Interim Measures for Employee Housing Provident Fund Loans in Huangshi City.
I. Basic Conditions of the Borrower Any domestic employee who regularly pays the housing provident fund for more than one year can apply for a housing provident fund loan if he purchases, builds, refurbishes or overhauls his own housing (hereinafter referred to as the purchase, construction and repair of housing) and meets the following conditions.
1, with permanent residence or valid residence identity certificate in Huangshi City (including daye city and Yangxin County);
2. Have stable professional and economic income, good credit and the ability to repay the principal and interest of the loan;
3, with the purchase, construction and repair of housing contracts (or agreements) or self-built overhaul of housing approval documents;
4. The down payment or self-owned funds for the purchase, construction and repair of houses shall not be less than 30% or 50% of the total house price;
5. Agree to mortgage the house, and mortgage or pledge the assets recognized by the home insurance or the lender, or take the unit or individual with sufficient compensation capacity as the guarantor;
6. Other conditions stipulated by the lender or the entrusted bank.
Second, provide advice.
1. The borrower consults, applies and registers at the Loan Management Section, Daye Office and Yangxin Office (hereinafter referred to as "Loan Management Department") of Huangshi Housing Provident Fund Management Center with the certificate of housing purchase, construction and repair, ID card of himself and his spouse and certificate of housing provident fund deposit.
2 loan management department accepts personnel to review the borrower's loan qualification and calculate the loanable amount. To meet the loan conditions, the borrower shall issue the "Huangshi City Employee Housing Provident Fund Loan Application Approval Form" in triplicate.
Three. After the application is accepted, the borrower shall submit the completed Application for Approval Form for Employee Housing Provident Fund Loan in Huangshi City and the following supporting materials to the Loan Management Department of Huangshi Housing Provident Fund Management Center as required:
1. ID card, household registration book and proof of marital status of both husband and wife of the borrower (original and photocopy are required) in duplicate.
2. Proof of economic income and payment of housing provident fund issued by the borrower's husband and wife units (original provided).
3, the purchase of housing, should provide the purchase contract or agreement signed in accordance with the law, self-built, overhaul occupied housing, there must be planning, land management department approval documents (provide the original and copy).
4. When purchasing a house, provide a down payment invoice or receipt of not less than 30% of the total price of the house purchased (50% of the appraised price of the second-hand house), and the self-built or overhauled house has not less than 50% of its own funds (original and photocopy provided) in duplicate.
5. List of mortgaged (pledged) objects, certificate of ownership of purchased houses, certificate of consent of the person who has the right to dispose of the mortgaged (pledged) objects, and mortgage evaluation certificate issued by the department with evaluation qualification.
6. The guarantor agrees to provide written documents and credit certificates for loan guarantee.
7. Other supporting materials required by the lender and the entrusted loan bank. The handling personnel shall check the information and certification materials provided by the borrower. If the copy is consistent with the copy, the copy shall be stamped with the seal of "This copy is consistent with the original", and the borrower shall sign and confirm the authenticity of the copy according to the fingerprint, and the original shall be returned to the borrower. The borrower shall sign the application form for employee housing provident fund loan in Huangshi City and press the handprint with the manager.
Four, before the loan investigators to investigate and verify the authenticity and legality of the information provided by the borrower, the main contents are:
1. Whether the borrower meets the basic conditions for applying for housing provident fund loans;
2. Whether the borrower has full capacity for civil conduct;
3. Whether the real purpose of the borrower's application for housing loan, loan amount and term are reasonable;
4. On-site investigation and verification of the mortgage and pledge provided by the borrower or guarantor;
5. Investigate the borrower's social credit status. Find out whether there are gambling, drug abuse, alcoholism and other bad habits;
6. Investigate and verify the income of family members and evaluate their repayment ability.
Verb (abbreviation of verb) loan approval
1. After careful investigation and verification of the borrower, the handling personnel signed a clear opinion on the Application and Approval Form for Employees' Housing Provident Fund Loan in Huangshi City, and put forward suggestions such as loan amount, term and guarantee method.
2. The person in charge of the loan management department conducts comprehensive and serious analysis, evaluation and determination according to the preliminary examination opinions of the manager and the information provided, and submits it to the leading group for examination and approval after signing.
3, the loan review leading group according to the submitted materials and preliminary examination opinions, in accordance with the "Huangshi city housing provident fund loan approval leading group working rules" held a special meeting, collective discussion, the formation of concluding observations. The director of Huangshi Housing Provident Fund Management Center or the entrusted deputy director (approver) signed the final opinion on the "Huangshi Employee Housing Provident Fund Loan Application Approval Form".
4. The handling personnel shall notify the borrower of the examination and approval opinions in a timely manner, and issue a Notice on the Issuance of Housing Provident Fund Entrusted Loans to the entrusted bank, and agree to the lender to handle the loan procedures; For those who do not agree to grant the loan, explain the reasons and return the relevant materials to the borrower (the loan handling personnel will give the borrower a formal reply within 15 working days from the date of receiving the borrower's loan application and materials that meet the loan requirements).
Intransitive verbs sign contracts.
1. Huangshi Housing Provident Fund Management Center and the entrusted loan bank sign a loan contract with the borrower.
2 Huangshi City Housing Provident Fund Management Center signed a mortgage contract, pledge contract or guarantee contract with the mortgagor, pledger or guarantor.
3. The borrower shall handle the mortgage (pledge) registration formalities with relevant materials and contracts, and the borrower of the mortgaged house shall also handle the house property insurance.
4. After the mortgage (pledge) registration is completed, the mortgagor shall hand over the Property Ownership Certificate or the Pledge Registration Certificate to the loan management department of Huangshi Housing Provident Fund Management Center for safekeeping.
Seven. entrusted loan
1. The loan management department and the financial management department shall, according to the annual loan plan and the principle that the borrower's provident fund is deposited in which bank and which bank is favorable for repayment, issue the Allocation Sheet of Housing Provident Fund Entrusted Loan Plan (in triplicate) to the entrusted bank, which shall be signed by the loan approver.
(The above answers were published on 20 13-08-22. The current purchase policy should be based on the actual situation. )
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