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Second, Baoding provident fund loan policy

Article 1 In order to promote urban housing construction, improve the housing consumption capacity of workers' families, standardize the management of housing provident fund loans, and safeguard the legitimate rights and interests of both borrowers and borrowers, according to the Regulations of the State Council Municipality on the Management of Housing Provident Fund, the Measures of China People's Bank for the Management of Personal Housing Loans, the Measures of Hebei Province for the Management of Housing Provident Fund and the Guiding Opinions of Hebei Province on Personal Housing Provident Fund Loans, combined with the actual situation of our city.

Article 2 Personal loans for employees of housing provident fund (hereinafter referred to as "loans") refer to policy-oriented housing loans applied by employees to Baoding Housing Provident Fund Management Department (including Baoding Housing Provident Fund Management Center, sub-centers and county (city) management departments) when the funds for purchasing, building, renovating or overhauling their own houses are insufficient or the housing loans of commercial banks are repaid.

Third Baoding City Housing Provident Fund Management Center (hereinafter referred to as the center) is responsible for the management of loans in the city. The "center" is responsible for approving loans. The loan procedures are entrusted by the Center to Baoding Branch of China Construction Bank Co., Ltd., Baoding Branch of Industrial and Commercial Bank of China Co., Ltd. and Baoding Branch of Bank of China Co., Ltd. (hereinafter referred to as the entrusted bank).

Article 4 The source of loan funds is the housing provident fund managed by the housing provident fund management department.

Chapter II Loan Objects and Conditions

Article 5 The loan object is the borrower who applies for a loan from the housing provident fund management department.

Article 6 A borrower shall meet the following conditions:

(a) I or my spouse or their immediate family members (parents, children) have paid the housing provident fund for more than one year;

(2) Having permanent residence in cities and towns or valid residence identity documents;

(3) Neither husband nor wife has enjoyed the loan or paid off the loan;

(four) a stable income, good health, good credit, and the ability to repay the principal and interest of the loan on time;

(5) It has legal and valid certificates of purchasing, building, rebuilding, overhauling self-occupied housing or repaying commercial housing loans recognized by the housing provident fund management department;

(6) Self-owned funds account for more than 20% of the housing price purchased or financed by the unit, or self-owned funds account for more than 50% of the cost of self-built, renovated or overhauled self-occupied housing;

(seven) the assets recognized by the housing provident fund management department are used as collateral or pledge, or units or individual employees with sufficient compensation ability are used as guarantees;

(eight) other conditions stipulated by the housing provident fund management department.

Chapter III Loan Amount, Term and Interest Rate

Article 7 The loan amount shall be comprehensively determined according to the storage status of the housing provident fund account of the borrower, his spouse and immediate family members, the price of the self-built house purchased, the repayment ability and other factors.

(1) In principle, it shall not exceed 2 times of the amount of housing provident fund paid by the borrower, spouse and immediate family members within the retirement age (the amount of housing provident fund paid is calculated according to the standard of housing provident fund paid in the current year), or 15 times of the balance stored in the housing provident fund account of the borrower, spouse and immediate family members;

(II) Units financing the purchase and construction of owner-occupied housing shall not exceed 80% of the total price of purchased housing, self-construction, renovation and overhaul of owner-occupied housing shall not exceed 50% of the required expenses, and repayment of commercial housing loans shall not exceed the normal remaining loan principal amount;

(3) The maximum single loan amount is 400,000 yuan.

The maximum loan amount of housing provident fund shall be adjusted by the housing provident fund management Committee in a timely manner.

Article 8 The loan term shall be reasonably determined according to the age of the borrower when applying for the loan, the house purchased and the loan amount.

(1) The longest loan term is 30 years;

(two) the borrower from the date of the loan to retirement less than 30 years, the loan period is generally the longest to the borrower's statutory retirement age of 5 years.

Ninth loan interest rates in accordance with the individual housing provident fund loan interest rates announced by the People's Bank of China.

If the loan term is within 1 year (including 1 year), the contract interest rate shall be implemented. In case of adjustment of the legal interest rate, interest shall not be calculated by stages; If the loan term exceeds 1 year, when the legal interest rate is adjusted, the new interest rate regulations will be implemented according to the corresponding interest rate grades from 1 of the following year.

Chapter IV Loan Guarantee

Article 10 The methods of guarantee are mortgage, pledge and guarantee.

(1) Mortgage: The borrower takes the property owned by himself or a third party as the guarantee for the loan.

(2) Pledge: 1. The borrower takes the balance of the housing provident fund stored by himself and others in the housing provident fund management department as the loan guarantee; The borrower uses its own or third-party treasury bills, bank deposit certificates and other securities as loan guarantees;

(3) Guarantee: When the mortgage (pledge) cannot be provided for the faster house purchased by the borrower, the unit with sufficient compensation capacity recognized by the housing provident fund management department (hereinafter referred to as the guarantee unit) shall provide joint and several liability guarantee;

(4) Where the real estate or securities of a third party are used as security, the consent of the third party shall be obtained and the notarization formalities shall be handled.

Eleventh real estate as collateral shall meet the following requirements:

(a) the mortgagor must use the full value of the property for loan mortgage;

(2) The mortgagor and mortgagee shall go through the mortgage registration formalities at the property ownership management department, and the relevant expenses shall be paid by the borrower. The mortgagor shall hand over the completed real estate license to the housing provident fund management department (mortgagee) for safekeeping;

(three) the present value of the mortgaged property is determined by the housing provident fund management department, and the maximum mortgage value shall not exceed 80% of the present value of the mortgaged property;

(4) During the mortgage period, the mortgagor must ensure that the collateral is in good condition.

Article 12 If the housing provident fund stored by myself and others is used as a guarantee, I and the guarantor shall sign a letter of guarantee, and the housing provident fund management department shall handle the procedures for freezing the balance of the housing provident fund, with the guarantee rate of 100%.

Article 13 Where securities are used as collateral, the following provisions shall be observed:

(1) The pledgee and the pledgee shall go through the freezing procedures of the pledged goods, and the amount of the pledged securities shall not be less than the loan principal;

(two) the pledge will be handed over to the housing provident fund management department (pledgee) for safekeeping. During the pledge period, the housing provident fund management department shall not dispose of it without authorization. If the pledge is lost or damaged, the housing provident fund management department shall be responsible for compensation.

Article 14 When the borrower uses the purchased auction house as collateral, the guarantee unit shall provide joint and several liability guarantee before handling the individual house property right certificate, and the borrower shall handle the mortgage replacement formalities in time after obtaining the house property right certificate.

Article 15 The term of mortgage (pledge) is the same as that of loan, and the right of mortgage (pledge) is terminated after the loan principal and interest are paid off.

Chapter V Loan Procedures

Article 16 When applying for a loan, the borrower shall go to the housing provident fund management department to fill in the Approval Form for Personal Loan Application of Baoding Housing Provident Fund Employees, and issue the following materials:

(a) the original identity document (resident identity card, residence booklet, marriage certificate or other valid residence identity documents) and a copy;

(two) the original and photocopy of the certificate of purchase, construction, renovation, overhaul of owner-occupied housing or repayment of commercial housing loans according to regulations;

(three) the original and photocopy of the down payment bill for the purchase of housing;

(4) List of collateral or pledge, certificate of ownership and certificate of consent to mortgage or pledge issued by the person with the right to dispose of it, or letter of guarantee that the guarantor agrees to provide guarantee;

(5) Appraisal certificate when the present value of the collateral is unknown;

(six) other documents or materials required by the housing provident fund management department.

The housing provident fund management department shall review the qualifications and credit standing of the borrower according to the above information.

Seventeenth housing provident fund management department shall make a decision on whether to approve the loan within 15 days from the date of acceptance and notify the applicant. If the loan is granted, the entrusted bank shall be notified to handle the loan formalities.

Eighteenth loans, housing provident fund management department and the entrusted bank signed a loan contract with the borrower.

Article 19 Loan issuance

According to the time agreed in the loan contract, the loan funds will be transferred from the entrusted bank to the account opened by the seller or the builder in the bank. Repay the loan from the commercial bank and transfer the loan funds into the loan account opened by the commercial bank.

Chapter VI Loan Repayment

Article 20 When applying for a loan, the borrower may voluntarily choose average capital repayment method or equal principal and interest repayment method to repay the loan principal and interest.

Average capital repayment method: refers to the fixed loan principal repaid by the borrower every month. In other words, the principal is divided equally throughout the repayment period, but the loan interest decreases month by month, and the repayment amount decreases month by month during the repayment period.

Matching principal and interest repayment method: it means that the sum of the loan principal and interest repaid by the borrower every month remains unchanged throughout the repayment period. However, the proportion of principal in the monthly repayment amount increases month by month, and the proportion of interest decreases month by month.

Article 21 If the loan term is within 1 year (including 1 year), the principal and interest will be repaid in one lump sum at maturity, and the interest will be paid with the principal.

Article 22 If the borrower is unable to repay the principal and interest of the loan due to death, being declared missing or losing the capacity for civil conduct, the legal heir (manager or guardian) of his property shall continue to perform the loan contract signed by the borrower to repay the loan.

Twenty-third borrowers to repay the loan principal and interest in advance, according to the relevant provisions of the people's Bank of China.

Twenty-fourth after the borrower pays off the principal and interest of the loan, the housing provident fund management department shall, together with the borrower, go through the mortgage (pledge) cancellation procedures at the original registration department.

Chapter VII Handling of Breach of Contract

Article 25 In any of the following circumstances, it is a loan default. The housing provident fund management department and the entrusted bank have the right to dispose of the mortgaged property in accordance with the relevant laws and contracts.

(a) the loan is used for other purposes;

(2) Before the termination of the loan contract, the borrower died, was declared missing or lost the capacity for civil conduct, and had no legal successor (manager or guardian) or refused to bear the responsibility of repaying the loan principal and interest or was unable to repay the loan principal and interest;

(3) When the loan contract expires, the borrower fails to pay off all the loan principal and interest and related expenses as agreed in the contract, or the borrower has not paid off the loan principal and interest and related expenses for six months during the loan period.

Article 26 The proceeds from the disposal of the mortgaged property shall be distributed in the following order:

(1) Paying the expenses related to the disposal of the mortgaged (pledged) goods;

(2) Repaying the loan principal and interest (including default interest) and liquidated damages owed by the borrower;

(3) The housing provident fund management department and the entrusted bank have the right to recover from the borrower for the part that the money obtained is insufficient to repay the above money. The part exceeding the above payable amount shall be returned to the borrower.

Article 27 In case of loan default during the guarantee period, the housing provident fund management department and the entrusted bank shall recover joint and several liabilities from the guarantor, and the scope of recovery shall be limited to the principal creditor's rights, interest, liquidated damages and the expenses for realizing the creditor's rights agreed in the loan contract.

Chapter VIII Loan Supervision

Twenty-eighth housing provident fund management departments and entrusted banks have the right to supervise and inspect the use of loans, and borrowers should cooperate.

Twenty-ninth units (sellers) issued false purchase contracts and bills to defraud loans, housing provident fund management departments and entrusted banks have the right to recover loans in advance, and shall be investigated for the relevant legal responsibilities of units (sellers) according to law.

Thirtieth borrowers provide false certificates to defraud loans, housing provident fund management departments and entrusted banks have the right to terminate the loan contract, recover the loans that have been issued, and investigate the relevant legal responsibilities of borrowers according to law.

Thirty-first housing provident fund loan managers, and lead to loan losses, depending on the seriousness of administrative sanctions, constitute a crime, shall be investigated for legal responsibility.

Chapter IX Supplementary Provisions

Thirty-second, if either party needs to terminate the contract or change the contents and annexes of the contract, it shall notify the relevant parties in writing and reach an agreement on the relevant contents. Before reaching an agreement, the original contract and its annexes are still valid.

When the borrower and the guarantor occur, they shall be settled through consultation. If negotiation fails, it may be submitted to the local people according to law.

Thirty-third migrant workers in Hebei Province to buy housing in this city, can refer to these measures.

Thirty-fourth housing provident fund loans within the administrative area of this Municipality shall be managed in accordance with these measures. In the past, these measures were inconsistent, and these measures shall prevail.

3. What is the loan process of Baoding Provident Fund 202 1?

(a) the borrower to the housing provident fund management center to submit a written application, fill in the provident fund loan application form and submit relevant materials.

(2) The core of provident fund management examines the qualifications of loan applicants, guarantors, loan amount and loan term. After approval, the borrower signs relevant contracts or agreements with the provident fund management core, and handles insurance according to the regulations of the People's Bank of China.

(three) after the completion of the loan procedures, the city housing provident fund management center issued a loan approval notice to the bank, and the bank went through the loan issuance procedures after receiving the loan notice.

It can be seen that the problem of how to open the housing provident fund payment certificate cannot be generalized. If you want your partner to issue the payment certificate for you, you need to have your partner's ID card and marriage certificate, and it is no problem for other friends or close relatives to issue the payment certificate for your housing provident fund, but the simplest thing is to go directly to the management center and ask the staff to issue it for you.

What are the loan conditions of Baoding provident fund?

What are the loan conditions of Baoding provident fund?

Provident fund loans can only be used for the purchase, construction, renovation and overhaul of owner-occupied housing. To apply for a loan, the borrower shall meet the following conditions:

(1) Effective certification materials and certificates;

(2) Having full capacity for civil conduct, having stable economic income and the ability to repay the principal and interest of loans, and having good personal credit;

(three) the normal continuous deposit of housing provident fund must comply with relevant laws and regulations;

(4) Having paid the down payment in accordance with relevant laws and regulations, and having valid certification materials in compliance with relevant laws and regulations;

(five) mortgage, pledge or guarantee approved by the management center;

(6) Other laws, regulations, rules and relevant laws and regulations on loan conditions.

In any of the following circumstances, the borrower shall not issue loans:

(1) The loan has not been settled;

(two) the borrower does not meet the credit audit standards;

(3) The borrower provides false certification materials;

(4) The borrower has not released the guarantee responsibility of providing loan guarantee for others;

(five) the purchase of third and above housing;

(six) two or more loan use records;

(seven) before the loan has been paid in full or has handled the certificate of immovable property rights;

(eight) other acts in violation of laws, regulations, rules and loans.

What is the amount of the provident fund loan in Baoding?

The maximum loan amount is 600,000 yuan, and the specific loan amount must meet the following conditions at the same time:

(a) the county (city, district) that implements the restriction of purchase and loan purchases the first set of housing, and the down payment ratio is not less than 30% of the house price; When buying a second house, the down payment ratio shall not be less than 60% of the house price;

(2) In counties (cities, districts) that have not restricted purchases and loans, the down payment ratio shall not be less than 20% of the house price when purchasing the first or second house;

(3) The repayment amount in the first month shall not exceed 60% of the recognized family income.

If the housing provident fund loan is used to purchase two-star or above newly-built green building self-occupied housing (including passive ultra-low energy consumption housing) or newly-built fully renovated self-occupied housing is approved, the maximum loan amount will rise by 20%.

The loan term shall not exceed 30 years, the maturity date of the loan shall not exceed 5 years after the borrower's statutory retirement age (subject to the date of birth), and shall not exceed the remaining service life of the mortgaged property. The service life of the house shall be subject to the service life of the land.