1, increase the maximum amount of personal housing loans. If employees buy their own houses, the maximum amount of individual housing loans will be adjusted from 500,000 yuan to 600,000 yuan;

2. Deposited employees' families use housing provident fund loans to purchase the first set of ordinary self-occupied housing, and the minimum down payment ratio is 20%; If the first suite has been transferred and cancelled without other housing, the first suite loan policy will be implemented;

3. The paid-in employees' families have 1 set of houses 1 set (including1housing cancellation records) or have no houses but have two housing cancellation records (each set 120 square meters or less), and the unused individual housing loans or corresponding housing loans have been settled. In order to improve the living conditions, re-apply for housing provident fund loans to buy ordinary self-occupied housing, and the minimum down payment ratio is 30. If the corresponding housing loan is not settled, the minimum down payment ratio is 40%, and the loan interest rate will rise by10% according to the benchmark interest rate;

4, apply for personal housing provident fund loans to buy finely decorated housing, and implement the ordinary self-occupied housing policy;

5. Single paid employees (including unmarried or divorced unmarried) purchase the first set of ordinary self-occupied housing and apply for housing provident fund loans. If the monthly repayment amount calculated according to the monthly salary base of housing provident fund deposit is higher than 50% of family income, the monthly repayment amount can be calculated according to the average monthly salary of Hunan employees of Guangzhou Railway Company in the previous year;

6. No housing provident fund loans will be granted to employees' families with 2 or more existing houses or 3 or more housing cancellation records.

Housing provident fund loan conditions are as follows:

1. When employees apply for housing provident fund loans, they must deposit housing provident fund normally for more than 12 months (inclusive);

2. Employees who purchase, build, renovate or overhaul the same set of ordinary self-occupied housing and have applied for the withdrawal of housing provident fund shall not be granted housing provident fund personal housing loans;

3, employees to buy, build, rebuild, overhaul ordinary private housing to apply for the use of housing provident fund loans, must be in the date of signing the purchase contract or the date of approval of the construction permit within 0 years;

4. Stop issuing housing provident fund loans to paid workers who buy third and above houses;

5. The borrower's wage income is calculated and determined according to the deposit base of employee housing provident fund;

6, employee housing provident fund loan period, shall not exceed the statutory retirement age of the borrower to apply for loans.

Legal basis: Legal basis: Article 26 of the Regulations on the Administration 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.

Article 28

The housing provident fund management center can use the housing provident fund for the purchase of government bonds with the approval of the housing provident fund management Committee on the premise of ensuring the withdrawal and loan of the housing provident fund.

The housing provident fund management center shall not provide guarantees to others.

Article 29

The value-added income of housing provident fund shall be deposited in the special account for value-added income of housing provident fund opened by the housing provident fund management center in the entrusted bank, which shall be used to establish the risk reserve for housing provident fund loans, the management expenses of the housing provident fund management center and the supplementary funds for urban low-rent housing construction.