The specific analysis is as follows:
1. Maximum loan amount increase: the maximum loan amount for employees in Nanping City is increased by 50,000 yuan, that is, the maximum loan amount for dual employees in Yanping and Jianyang District is adjusted from 400,000 yuan to 450,000 yuan, and the maximum loan amount for single employees is adjusted from 300,000 yuan to 350,000 yuan. The maximum loan amount for employees in Shaowu, Wuyishan, Jian 'ou, Pucheng, Shunchang, Songxi, Zhenghe and Guangze is adjusted to 400,000 yuan, and the maximum loan amount for individual employees is adjusted to 300,000 yuan;
2. Shortened loan entry and deposit period: In the past, employees had to pay the housing provident fund in full 12 months before they could apply for housing provident fund loans. After adjustment, the employee's unit has paid the housing provident fund in full for more than one year, and if the employee has paid the housing provident fund in full for six months, he can apply for a housing provident fund loan. When handling housing provident fund loans, it is still necessary to retain the deposit amount within one year;
3. Loans from different places in the province: Employees who deposit housing provident fund in Nanping and buy self-occupied housing at their domicile can apply for individual housing loans from the housing provident fund management center or its management department at their domicile on the basis of the deposit certificate issued by the housing provident fund management center or its management department.
Housing provident fund loans refer to housing mortgage loans issued by local housing provident fund management centers to on-the-job employees who paid housing provident fund and retired employees who paid housing provident fund during their employment. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees. The housing provident fund paid by employees and the housing provident fund paid for employees by the unit where employees work are personal savings stored by employees in accordance with the regulations for housing consumption expenditures, which belong to individual employees. When an employee retires, the balance of principal and interest is paid in one lump sum and returned to the employee himself.
The types of housing provident fund loans are:
1, new house loan;
2. Second-hand housing loans;
3. Self-built housing loans;
4. Housing renovation loan;
5, commercial housing loans to provident fund loans, etc.
The latest policies of Nanping housing provident fund loans in different places are as follows:
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2. Employees who deposit housing provident fund in our city apply for housing provident fund loans in other cities in the province, and the deposit management department is responsible for reviewing the deposit and loans of employees, issuing a written certificate to the loan city provident fund center, and cooperating with the loan city provident fund center to verify relevant information. Employees who borrow from different places should be identified, and a detailed account of the loan situation should be established for employees who borrow from different places;
3. Employees who have paid housing provident fund in other cities in the province apply for housing provident fund loans in various administrative departments of our city, and the loan management department is responsible for the business consultation, acceptance, review, issuance, recovery, change and post-loan management of off-site loans. After accepting the employee's application for off-site loan, verify the authenticity and completeness of the information in the Certificate of Deposit and Use of Housing Provident Fund for Employees with Off-site Loan to the Municipal Provident Fund Deposit Center. If it is verified to be correct, the loan approval procedures shall be performed within the prescribed time limit, and the results shall be fed back to the Municipal Provident Fund Center or its management department;
4 workers who have paid housing provident fund in other cities in the province must apply for loans in different places in our city in accordance with the relevant provisions of housing provident fund loans in our city. The loan materials are consistent with the housing provident fund loans in our city, except for the deposit and use certificate of the employee housing provident fund and the household registration certificate where the loan is located.
To sum up, according to the new policy of Nanping provident fund loan, the maximum loan amount for double employees in Yanping and Jianyang districts will be increased from 400,000 yuan to 450,000 yuan, and the maximum loan amount for single employees will be increased from 50,000 yuan to 350,000 yuan. In addition, employees can borrow money in different places in the province, but they must provide information such as deposit certificates.
Legal basis:
Article 26 of the Regulations on the Management of Housing Provident Fund
Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.
The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.
The risk of housing provident fund loans shall be borne by the housing provident fund management center.
Article 27
Applicants who apply for housing provident fund loans shall provide guarantees.