Chapter I General Provisions
Article 1 These Measures are formulated in accordance with the Regulations of the State Council Municipality on the Administration of Housing Provident Fund and the Regulations of Nanjing Municipality on the Administration of Housing Provident Fund, and in combination with the actual situation of this Municipality, in order to standardize the loan behavior of housing provident fund and safeguard the legitimate rights and interests of both borrowers and borrowers.
Article 2 Housing provident fund loans (hereinafter referred to as provident fund loans) refer to special loans for the purchase, construction, renovation and overhaul of self-occupied housing and loans for affordable housing construction projects, which are provided to employees who participate in the housing provident fund system.
Article 3 The Nanjing Housing Provident Fund Management Committee (hereinafter referred to as the Management Committee) is responsible for examining and approving the plan for the use of loan funds, the banks entrusted to handle the housing provident fund loan business (hereinafter referred to as the entrusted banks), the formulation and adjustment of loan policies and other major issues.
Article 4 Nanjing Housing Provident Fund Management Center (hereinafter referred to as the Management Center) is responsible for making annual and phased use plans for loans, studying and formulating loan policies, signing entrusted loan agreements with entrusted banks, and entrusting them to handle housing provident fund loans, and supervising and assessing the business handling of entrusted banks according to the entrusted loan agreements.
The entrusted bank shall handle provident fund loans in accordance with the loan object, conditions, amount, term and interest rate determined in these Measures. The entrusted bank shall handle the provident fund loan business, and must operate in accordance with the work norms of housing provident fund loans and accept the supervision and management of the management center.
For borrowers who meet the conditions of provident fund loans, the entrusted bank shall give priority to providing provident fund loans in accordance with the entrustment contract and make all loans available.
Fifth provident fund loans to implement the principle of combining deposit and loan, deposit first and then loan, and mortgage the house purchased by the loan.
If the borrower's application for provident fund loan is insufficient to pay for the purchase, construction and repair of owner-occupied housing, he can also apply for commercial personal housing loan from the entrusted bank and distribute it to the borrower in the form of housing portfolio loan (provident fund+business).
If the borrower makes a housing portfolio loan, it shall register the provident fund loan in accordance with the agreement in the entrusted loan contract signed by the management center and the entrusted bank. Collateral disposal of portfolio loans shall be implemented in accordance with the loan contract.
Article 6 No unit may obstruct employees who meet the conditions for housing provident fund loans from applying for provident fund loans.
Chapter II Loan Object, Conditions and Information to be Provided
Seventh in accordance with the provisions of the management center to pay housing provident fund personnel, in the administrative area of this Municipality to buy all the property rights of self-occupied housing, construction and repair of self-occupied housing, you can apply for provident fund loans.
Article 8 An application for provident fund loans shall meet the following conditions:
(1) The borrower is a natural person with full capacity for civil conduct and has China nationality.
(2) When applying for the provident fund loan, the account has been continuously opened and remitted in full, and the time limit is not less than the time limit regularly announced by the management center.
(3) Having a legal and valid house sales contract or a certificate that the relevant department has approved the construction or repair of the house.
(4) The down payment for house purchase shall not be less than the specified proportion.
(five) the borrower has a stable economic income and the ability to repay the principal and interest of the loan, good personal credit, and no other debts that affect the ability to repay the loan.
(six) the nature of the purchased housing land is state-owned land; Take the house purchased, built or repaired as collateral.
Ninth borrowers and spouses have applied for housing provident fund loans, before the loan principal and interest have been paid off, neither party may apply for provident fund loans again.
If the borrower applies for a provident fund loan again after paying off the principal and interest of the provident fund loan, it shall be implemented in accordance with relevant regulations.
Tenth borrowers and spouses in the housing provident fund loans, not according to the provisions of the housing provident fund deposit, the bad deposit records will be included in the housing provident fund credit system.
Article 11 A borrower shall provide the following materials when applying for a loan:
(a) the borrower and his spouse's valid identity certificate, household registration certificate, etc. Non-local household registration also requires a valid residence certificate issued by the public security department.
(2) Proof of the marital status of the borrower.
(three) the purchase of commercial housing, commercial housing sales contracts must be issued; The purchase of affordable housing, should be issued by the original "affordable housing sales contract"; When buying a second-hand house, the original real estate sales contract or stock house transaction contract must be issued; The construction and repair of owner-occupied housing shall be issued with the Certificate of Ownership of the House, the State-owned Land Use Certificate and the overhaul certificate approved by the local construction planning department.
(4) proof of paid house payment.
Chapter III Loan Amount, Term and Interest Rate
Article 12 A single provident fund loan is based on husband and wife, and the loan amount is the lowest of the following three items:
(1) The loan limit is determined according to the borrower's repayment ability. The calculation formula is: the monthly deposit of the borrower's housing provident fund/the ratio of the borrower's housing provident fund × the individual repayment ability coefficient × 12 (month )× the actual loanable period. * * * For the same loan, the loan amount is the sum of the loan amounts calculated by the borrower and the spouse respectively.
(two) the loan limit is determined according to the proportion of the loan amount to the total house price.
(3) the prescribed maximum loan amount.
Article 13 The term of provident fund loans shall be in years, and the sum of the loan period applied by the borrower and the actual age at the time of loan application shall not exceed the statutory retirement age in principle.
Borrowers who have continuously paid the provident fund in full for more than 5 years, have stable income, good reputation and the ability to repay the principal and interest of the loan may extend the loan term by 1 to 5 years.
The longest loan period shall not exceed 30 years.
Fourteenth loan interest rate according to the provisions of the people's Bank of China provident fund loan interest rate.
Chapter IV Loan Guarantee and Notarization
Fifteenth provident fund loans to implement mortgage guarantee, loan guarantee shall meet the following requirements:
(a) the use of provident fund loans to buy commercial housing and affordable housing, the development unit shall sign a mortgage agreement with the management center, to provide the borrower with a phased guarantee, the guarantee period from the date of loan issuance to the date when the borrower obtains the property ownership certificate and state-owned land use certificate of the purchased property and delivers the property ownership certificate to the entrusted bank for safekeeping;
(2) If the second-hand house is purchased with the provident fund loan and guaranteed by a guarantee institution, the guarantee period shall be from the date of loan issuance to the date when the borrower obtains the house ownership certificate and the state-owned land use certificate of the purchased property and delivers the house ownership certificate to the entrusted bank for safekeeping.
Sixteenth borrowers in the process of handling loans, according to the relevant provisions of the need for notarization, it should be notarized.
Chapter V Loan Procedures
Article 17 loan procedures.
(1) loan application. The borrower goes to the entrusted bank to fill in the application for housing provident fund loan.
(2) accept loans. The entrusted bank shall, according to the entrustment of the management center, examine the loan application materials of the borrower and guide the borrower to sign the loan contract; The entrusted bank shall submit the materials and loan contract submitted by the borrower to the management center for final review.
(3) the final review of the loan. The management center conducts the final audit of the borrower's loan information, and returns the information to the entrusted bank after passing the audit.
(4) loan mortgage. The entrusted bank goes to the real estate mortgage registration department to handle the mortgage registration formalities for the borrower. After signing the real estate mortgage contract with the entrusted bank, the borrower shall handle the real estate ownership certificate and the state-owned land use certificate in time. The entrusted bank shall timely manage the property ownership certificate. Where the collateral needs to be assessed, it shall be assessed by a qualified assessment agency.
(5) loan issuance. The borrower opens a repayment account in the entrusted bank. The entrusted bank will transfer the loan funds to the account opened by the selling unit (seller) or the construction contractor (repairer) in the bank.
Chapter VI Loan Repayment
Article 18 The loan term is one year, and the principal and interest are repaid in one lump sum.
Article 19 If the loan term is more than one year, the principal and interest of the loan shall be repaid on schedule. The borrower can choose to repay the provident fund loan by matching the principal and interest repayment method or average capital repayment method, and deposit the principal and interest into the repayment account in advance according to the repayment date agreed in the loan contract, which will be deducted from the repayment account by the entrusted bank every month.
Twentieth borrowers and their spouses can withdraw the balance from the housing provident fund and housing subsidy accounts to repay the principal and interest of housing loans.
Repayment of provident fund loans can be made through entrustment or counter transfer. Entrusted loan repayment can be repaid year by year or month by month. Take a monthly withdrawal of housing provident fund and housing subsidies to repay the principal and interest of housing loans, the housing provident fund and housing subsidies account should be in accordance with the provisions of the management center to retain the balance. Measures for housing provident fund and housing subsidies to return provident fund loans shall be drawn up by the management center and implemented after being approved by the Nanjing Housing Provident Fund Management Committee.
If the provident fund loan in the housing portfolio loan has been settled, the housing provident fund and housing subsidy can be withdrawn to repay the commercial housing loan.
Article 21 If the loan term is one year, if repayment is required in advance, the principal and interest of the loan must be paid off in one lump sum.
If the loan term is more than one year, the borrower may repay part or all of the loan principal and interest in advance with the consent of the management center.
Chapter VII Archives Management and Warrant Supervision
Twenty-second after the loan is issued, the entrusted bank shall manage the loan files in accordance with the requirements of the management of the housing provident fund business files in this Municipality.
Article 23 The entrusted bank shall keep the real estate license as an important document and manage it by a special person.
If the borrower who has handled the real estate license and the state-owned land use certificate fails to handle the two certificates on schedule, the entrusted bank shall urge him to handle it as soon as possible and collect the real estate license in time.
Article 24 The management center shall inspect the warrant management of the entrusted bank according to the entrustment agreement.
Chapter VIII Supplementary Provisions
Article 25 If the borrower dies (including being declared dead), and his legal heir or legatee applies to continue to perform the loan contract, the loan contract shall be changed after the approval of the management center.
Twenty-sixth housing provident fund to support affordable housing projects loans in accordance with the Ministry of Housing and Urban-Rural Development "housing provident fund to support affordable housing projects loan business norms" implementation.
Article 27 Unclear matters, such as the maximum personal loan amount and loan term, the down payment ratio of house purchase, the repayment ability coefficient, the time limit for opening an account and continuous full remittance at the time of loan, the conditions to be met when applying for a loan again, and the balance of the retained account of the provident fund for repayment of loans every month, shall be formulated by the management center and implemented after approval by the management committee.
Article 28 These Detailed Rules shall come into force as of 20 13 10 1.
Original policy: