1, housing provident fund personal housing loans can only be used to pay for employees to buy, build, renovate and overhaul ordinary self-occupied housing to support basic housing needs. It is strictly forbidden to use housing provident fund and personal housing loans for speculative purchase.
2. Maintain the continuity and stability of the policy of paying employees' families (including borrowers, spouses and minor children, the same below) to purchase the first set of ordinary self-occupied housing by using housing provident fund personal housing loans. Use the housing provident fund personal housing loan to purchase the first set of ordinary self-occupied housing. If the construction area of Xing Tao is less than 90 square meters (inclusive), the down payment ratio of the loan shall not be less than 20%; If the construction area of Xing Tao is over 90 square meters, the down payment ratio of the loan shall not be less than 30%.
3. Housing accumulation fund The second set of personal housing loans is only provided to the paid workers' families whose existing per capita housing construction area is lower than the local average level, and the purpose of the loans is limited to the purchase of ordinary self-occupied housing to improve living conditions. The down payment ratio of the second housing provident fund personal housing loan shall not be less than 50%, and the loan interest rate shall not be less than 1. 1 times of the first housing provident fund personal housing loan interest rate in the same period.
4. Stop issuing housing provident fund personal housing loans to paid workers' families who buy third and above houses.
5, urban housing provident fund management committee to according to the local housing prices, per capita housing construction area and housing provident fund business development, in order to support the paid workers to buy ordinary self-occupied housing loan demand as the principle, reasonably determine the maximum amount of housing provident fund personal housing loans, and report to the provincial housing and urban construction, finance, the people's Bank of China, banking regulatory authorities for the record. The maximum amount of individual housing loans for housing accumulation funds of municipalities directly under the Central Government and Xinjiang Production and Construction Corps shall be reported to the Ministry of Housing and Urban-Rural Development, the Ministry of Finance, the People's Bank of China and the China Banking Regulatory Commission for the record.
6 city housing provident fund management center and the entrusted bank shall take effective measures to strengthen the investigation, examination, mortgage, issuance and recovery of individual housing loans of housing provident fund, effectively strengthen loan risk management, and ensure the safety of funds. The housing provident fund management center shall, jointly with the relevant competent departments, promptly establish an information sharing mechanism to prevent fraudulent housing provident fund personal housing loans and other acts. At the same time, it is necessary to simplify the procedures and improve the service level.
The people's governments of cities should, in light of local conditions, pay close attention to formulating specific measures to implement the spirit of this notice and actively do a good job in policy interpretation. The people's governments of all provinces, autonomous regions and municipalities directly under the Central Government and the relevant departments of Xinjiang Production and Construction Corps should strengthen work guidance and intensify supervision and inspection. Relevant issues in policy implementation should be reported to the Ministry of Housing and Urban-Rural Development, the Ministry of Finance, the People's Bank of China and the China Banking Regulatory Commission in a timely manner.
Second, the individual housing loan policy
The Central Bank of China issued a notice on issues related to the adjustment of individual housing loan policy.
China People's Bank Shanghai Headquarters, branches, business management departments, provincial capital city center branches and sub-provincial city center branches; Banking regulatory bureaus of all provinces (autonomous regions and municipalities directly under the Central Government); There are commercial banks, joint-stock commercial banks and China Postal Savings Bank in various countries:
In order to further support reasonable housing consumption and promote the stable and healthy development of the real estate market, according to the relevant arrangements of the State Council, the relevant matters concerning the individual housing loan policy are hereby notified as follows:
First, in cities that do not implement the "purchase restriction" measures, households purchase commercial personal housing loans for ordinary housing for the first time. In principle, the minimum down payment ratio is 25%, which can be lowered by 5 percentage points in various places; For households that own 1 apartment and the corresponding housing loans are not settled, in order to improve their living conditions, they should apply for commercial personal housing loans to buy ordinary housing again, and the minimum down payment ratio should be adjusted to not less than 30%.
For cities that implement the "purchase restriction" measures, the individual housing loan policy is still implemented according to the original regulations.
Second, on this basis, the agencies of the People's Bank of China and the China Banking Regulatory Commission should strengthen communication with local governments in accordance with the principle of "classified guidance and local policies", and guide the self-discipline mechanism of interest rate pricing in provincial markets to independently determine the minimum down payment ratio of commercial personal housing loans within their respective jurisdictions in light of the actual conditions of various cities.
Third, banking financial institutions should reasonably determine the specific down payment ratio and interest rate level according to the borrower's credit status and repayment ability, in combination with the minimum down payment ratio requirements determined by the provincial market interest rate pricing self-discipline mechanism, the institution's commercial personal housing loan placement policy, risk prevention and control and other factors.
Fourth, strengthen the macro-prudential management of housing finance. The People's Bank of China and the dispatched offices of the China Banking Regulatory Commission should strengthen the monitoring, analysis and evaluation of the asset quality, regional concentration and institutional stability of real estate loans; Supervise the provincial market interest rate pricing self-discipline mechanism to adjust the minimum down payment ratio of commercial personal housing loans in a timely manner according to the changes in the real estate situation and the regulatory requirements of local governments, so as to promote the stable operation of housing finance business of banking financial institutions and the stable and healthy development of local real estate market.
The Shanghai headquarters, branches, business management departments of the People's Bank of China, city center branches of provincial capitals, sub-provincial city center branches and banking regulatory bureaus of provinces (autonomous regions and municipalities directly under the Central Government) are requested to jointly forward this notice to city commercial banks, rural commercial banks, rural cooperative banks, urban and rural credit cooperatives, foreign banks and village banks within their respective jurisdictions.