Legal subjectivity:

The municipal provident fund issued a new policy that relaxed some of the conditions for individuals to apply for housing provident fund loans. The objects of loans for purchasing a second ordinary self-occupied house are no longer limited to existing ones. There are deposited employee households whose per capita housing construction area is lower than the latest per capita residential construction area for urban residents announced by the Beijing Municipal Bureau of Statistics. So what are the current conditions for applying for a Beijing Municipal Provident Fund loan? The editor of the website has sorted it out. The Beijing Housing Provident Fund Management Center has the following qualification requirements for housing provident fund loans: The borrower must meet the following conditions: (1) Have a legal and valid identity; (2) Have full capacity for civil conduct; (3) Have a stable occupation and income, credit The applicant is in good condition and has the ability to repay the principal and interest of the loan; (4) Purchases, constructs, renovates, and overhauls self-occupied housing; (5) Has a contract or relevant supporting documents for purchasing, constructing, renovating, and overhauling self-occupied housing; (6) Complies with the entrustment The housing provident fund payment conditions for the loan specified by the person; (7) Provide a guarantee recognized by the client; (8) Neither the borrower nor the husband and wife have outstanding housing provident fund loans and housing provident fund policy discount loans; (9) Meet the requirements Other conditions specified by the principal. In addition to the above conditions, housing provident fund loan applicants must meet one of the following three conditions: 1. Borrowing applicants who purchase policy housing approved by government departments should, in principle, establish 12 housing provident fund accounts Months (inclusive) or more, the housing provident fund should be paid in full and continuously for 6 months before applying for a loan, and the housing provident fund should be in deposit status when applying for a loan. 2. Borrowing applicants who purchase non-policy housing should, in principle, pay and deposit the housing provident fund in full and continuously 12 months before applying for a loan, and be in deposit status when applying for a loan. 3. The loan applicant is a retired employee who paid housing provident fund during his employment. In addition, Jingfang Provident Fund [2014] No. 45 "Notice of the Beijing Housing Provident Fund Management Center on Adjusting Housing Provident Fund Personal Housing Loan Policies" stipulates that for those who have paid housing provident funds in other places and have not satisfied the prescribed payment time in Beijing. For employees, the payment time can be calculated based on the payment certificate issued by the housing provident fund management center of the original place of payment. Beijing-registered employees who have paid housing provident funds in other places and purchased their first self-occupied house in Beijing can apply for a loan from the Beijing Housing Provident Fund Management Center with a payment certificate issued by the Housing Provident Fund Management Center in the place of employment. Jingfang Public Provident Fafa [2010] No. 49 stipulates that personal loans shall not be granted to borrowers who purchase apartments, villas and other high-end residences as their second homes. For borrowers whose homes are third or higher homes, they will no longer be accepted. Its personal loan application. Legal objectivity:

(1) Applicant conditions 1. Household registration restrictions: having a permanent residence in Beijing or a valid residence status; 2. Income restrictions: having a stable occupation and income; 3. Residence conditions: in When purchasing self-occupied housing in this city, the purchase contract and relevant supporting documents must be provided; 4. Guarantee conditions: Provide guarantee methods recognized by the management center, etc. (2) The amount of provident fund loan applied for is limited. The loan amount cannot exceed the maximum amount of a single housing provident fund loan. At present, the maximum amount of a single housing provident fund loan is 400,000 yuan; for borrowers with a credit rating of AAA as assessed by the "Personal Credit Assessment Report", the loan amount can be increased by 30% to 520,000 yuan; for those with AA grade, the loan amount can be increased by 30%. 15%, which can reach 460,000 yuan. Secondly, if you purchase a commercial house off-plan, the maximum loan amount is 90% of the total price of the house; if you purchase a loan of other types of housing, the maximum loan amount is 95% of the total price of the house.