(a) the implementation of the "housing loan" loan conditions policy. After the revision of the Personal Loan Measures, if you apply for provident fund loans in our city, the housing purchased by the loan applicant must be the first family-occupied housing or the second improved ordinary self-occupied housing; Workers' families who have purchased the third and above houses or used provident fund loans twice may not apply for provident fund loans. Among them, employees' families include borrowers, spouses and minor children; The number of housing units refers to the number of self-occupied housing units recorded by employees' families in the information system of the real estate department of our city.

(two) the implementation of differentiated housing loan interest rates. The first set of housing provident fund loans shall implement the benchmark interest rate of the corresponding grade according to the loan term; The interest rate of the second home loan is 1. 1 times that of the first home loan in the same period. Cancel the current interest rate regulation of 1. 1 times for secondary provident fund loans.

(3) Optimize the loan procedures. First of all, the loan process reengineering simplifies the signing procedure of the loan contract. The second is to implement the preferential policy of provident fund loans, focusing on the first home purchase and giving priority to the first home loan.

(4) Improve the loan application materials. First, according to the relevant regulations of the Ministry of Housing and Urban-Rural Development, the housing appraisal report is no longer required for the second-hand housing provident fund loan. Second, according to the "Business Specification for Personal Housing Loan of Housing Provident Fund" issued by the Ministry of Housing and Urban-Rural Development, loan application materials such as off-site loan certificate, repayment ability certificate and personal credit report were clarified. Third, it is clear that the provident fund center has the right to require employees to supplement auxiliary application materials according to the needs of loan review.

(v) Risk prevention and disciplinary measures for violations have been strengthened. First, it supplemented the prevention and disposal of risks such as concealing facts, applying for loans, renting collateral in breach of contract, and paying off debts. Second, combined with the current requirements of building a credible society, the provisions on credit review and punishment of borrowers have been supplemented and improved. If the housing provident fund is used in violation of regulations, the provident fund center has the right to register its bad behavior, cancel its five-year provident fund withdrawal and loan qualification, and take disciplinary measures such as submitting untrustworthy information to relevant management departments, informing their units, and transferring suspected crimes to public security organs for legal treatment.