Optimize the mechanism for adjusting the amount of housing provident fund for renting houses.
Authorized by the Municipal Housing Provident Fund Management Committee, the rent price will be adjusted and determined by the Municipal Housing Provident Fund Management Center after the relevant departments of Zibo announce the market rent standard and the commercial housing market rent level every year. Taking the family as a unit, the leased area should be controlled within 90㎡ in principle, as the extraction quota for determining employee rent.
High-level talents introduced or trained in Zibo (Zibo elite card holders) who have paid the housing provident fund in full for three consecutive months, and if both husband and wife and minor children have no own housing and rent housing in Zibo, they can withdraw their housing provident fund to pay the rent. The rental area is twice of the current standard of 90㎡, and the family is taken as the unit, which is used as the withdrawal quota for high-level talents.
What is the recommended standard for confirming housing provident fund loans?
(1) Improve the criteria for determining overdue times in credit reports.
The following criteria are applicable to determining the overdue nature shown in the credit reports of borrowers, borrowers' spouses, borrowers, borrowers' spouses and guarantors.
Policy before adjustment: If the credit report shows that the loan or credit card has serious bad records (the risk level determined according to the "Five-level Classification of Loan Assets" is Grade II, suspicious and loss) or has serious bad traces such as bad debts and non-entry, it is not allowed to apply for a loan.
It is proposed to make the following adjustments: if the credit report shows that the loan or credit card has serious bad records (the risk level determined by the "five-level classification of loan assets is Grade II, suspicious and loss) or has serious bad traces such as bad debts and non-entry, it is not allowed to apply for a loan.
If the credit card is marked as "frozen", "stop payment" and other suspected abnormal status, the housing provident fund management center will judge whether to grant the loan according to the specific situation after investigation and verification.
Pre-adjustment policy: those who are overdue for more than 6 consecutive periods and accumulated overdue for more than 12 periods (except those who are in arrears with annual fees) may not apply for loans.
It is proposed to be adjusted as: if the loan is overdue for more than three consecutive periods or accumulated for more than six periods (excluding annual fees), no loan application may be made.
Pre-adjustment policy: If the loan is overdue for six consecutive periods (including six periods) and accumulated for twelve periods (including twelve periods), and the overdue amount has been paid off before applying for the loan, it is allowed to apply for the loan.
It is proposed to make the following adjustments: if the loan is overdue for three consecutive periods (including three periods) and accumulated for six periods (including six periods), and the overdue amount has been paid off before applying for the loan, it is allowed to apply for the loan.
Pre-adjustment policy: if the annual fee is overdue and the overdue amount has been paid off, the borrower will provide repayment flow. If the annual fee is overdue, it is allowed to apply for a loan. The repayment process is scanned and uploaded to the loan business information system.
It is proposed to adjust to: if the annual fee is overdue and the overdue amount has been paid off, it is allowed to apply for a loan.
Policy before adjustment: loans overdue housing provident fund is regarded as a commercial loans overdue, and the overdue times shown in the credit report are combined with those in the housing provident fund loan business system.
It is proposed to be adjusted as: the number of times of housing provident fund loans overdue and commercial loans overdue is calculated together.
(B) improve the wage income recognition standards
Policy before adjustment: When employees apply for housing provident fund loans, employees who have paid the housing provident fund will take the payment base of the housing provident fund as the wage income determination standard, and will no longer provide the proof of wage flow issued by the bank (if the borrower's spouse, * * and the borrower's spouse have not paid the housing provident fund and have no payment base, they will go to the relevant departments and units for coordination and verification after obtaining the power of attorney of the borrower's spouse and * * and the borrower's spouse).
It is proposed to be adjusted as follows: when employees apply for housing provident fund loans, employees who pay housing provident fund will take the base of housing provident fund deposit as the standard for determining their wage income; For the borrower's spouse, if the borrower's spouse fails to pay the housing provident fund, and there is no housing provident fund deposit base, the minimum wage standard (announced by the provincial government) in the district where the house is purchased shall be used as the wage income recognition standard.
Source: Pocket Zibo