On the extraction of military housing provident fund

According to the policy, the balance of the housing provident fund in the individual account of the soldiers who participate in the housing provident fund collection will be paid to the individual in one lump sum by the unit when they change jobs, retire, retire or vacate the military housing; Sacrifice, death, spouse, children vacate military housing, the unit will pay the balance of housing provident fund to the legitimate heir.

(1) Time limit for approval of provident fund loans

The approval period of local loans is generally about 40 days, and the approval period of internal military loans is about 45 days. For example, the loan application should be submitted before 15 of the current month, and the approval result should be inquired after 10 of the next month at the earliest. After the approval letter is printed, the loan should be handled at the bank.

(2) The loan application materials.

A personal loan application form; 2. Application materials: ① Resident ID card and marital status certificate of the lender and spouse (single soldier, only personal ID card is required); (2) Proof of the housing situation of the lender and spouse; (3) Purchase-related materials (letter of intent for purchase contract, purchase contract and other valid purchase documents); (4) proof of family income; ⑤ Other relevant materials.

(3) Key issues in the audit of relevant military departments.

The financial department of the unit where the loan applicant works focuses on reviewing the qualifications of the loan applicant, including whether it is the first home, whether there is a purchase contract or willingness, whether the loan application amount meets the requirements, and whether individuals and families have repayment ability; The barracks department focuses on reviewing the self-owned housing of loan applicants and their families in the army. The local self-owned housing situation of loan applicants and their families is mainly audited by commercial banks.

If the loan applicant provides false family housing information, which leads to the inability of military personnel to obtain loans from commercial banks after approval, the loan applicant shall bear all the responsibilities, and I and my family members will no longer enjoy the treatment of military housing provident fund loans.

(4) The report on loan demand is inconsistent with the loan application.

The loan demand refers to the loan demand for the next year reported before 10 and 3 1 every year, and its main purpose is to provide a basis for the headquarters to allocate loan indicators for the next year. In practical work, there will inevitably be a mismatch between the loan demand and the loan application for the next year, and individual applications that have not reported the loan demand will also be examined and approved according to the prescribed procedures. When examining and approving loan applications, the military region will give priority to reporting projects in need, and then consider other loan applications within the control indicators of the headquarters. If the demand report is seriously inconsistent with the loan application, and the loan index is seriously wasted due to the unreasonable allocation of the loan plan, we will notify the unit and the main person in charge, and suspend the approval of the loan application of the unit.

(5) The application materials submitted.

After reporting in the military housing provident fund loan system, the grassroots financial units directly report the paper Application Form for Military Housing Provident Fund Loan (generated and printed in duplicate by the system, and the personal commitment part is filled in manually) and the Summary Form for Military Housing Provident Fund Loan Application to the Housing Fund Management Center of the Logistics Department of Nanjing Military Region.

Third, the loan process.

Step 1: The lender shall report the loan demand before June 30th of the previous year 10 (the soldiers who have reported the housing provident fund loan demand before need not report it again);

Step 2: The Finance Department and the Barracks Department will review and summarize the housing situation of the personnel who fill in the personal loan demand, and report it to the military region before June 65438+1October 3 1;

Step 3: Before 15 every month (1 to 10), the lender who has drawn up a house purchase project and can apply for a provident fund loan for the house purchase project will bring relevant information to the financial department to apply;

Step 4: Before 10 every month (the military region announced the application for approval last month), the person whose loan application was approved went to the financial department to receive the Approval Letter for Military Provident Fund Loan and sign the Authorization Letter for Entrusted Transfer Repayment;

Step 5: Go through the housing provident fund loan procedures with the Approval Letter for Military Provident Fund Loan and the relevant materials required by the loan bank.

★ Loan repayment ★

Soldiers must repay the loan principal and interest on schedule in accordance with the loan contract signed with the cooperative bank; When a soldier retires from active service, his housing subsidy and housing provident fund are used to repay the remaining loan principal and interest in advance (the difference will continue to enjoy the military housing provident fund loan policy); Failing to repay the loan principal and interest on time, the overdue part shall be punished according to the relevant provisions of the People's Bank of China and the loan contract; If the loan principal and interest cannot be repaid beyond the time limit stipulated by the cooperative bank, the cooperative bank shall dispose of its mortgaged or pledged property according to law, or recover from the guarantor.

★ Special tips ★

As the military housing provident fund loan management system automatically generates the New Year at 0: 00 on June 65438+1 October 1 every year and starts the drafting procedure of the New Year loan plan, it becomes unavailable from June 65438+1October to June 65438+February 3 1. Please pay attention to the specific time to report the loan demand and application. If there is any change, notice will be given separately.

Military housing provident fund standard

(1): Servicemen enjoy the housing subsidy of the military system, while the monetary subsidy of the local housing provident fund is only for non-local employees in agricultural registered permanent residence, and there is no connection between them. Therefore, it is impossible for active servicemen to apply for housing provident fund subsidies in any area.

(2): As active servicemen do not enjoy local housing subsidies, that is, they do not have local housing provident fund accounts, so they cannot apply for housing provident fund loans from any bank.

(3): The housing accumulation fund of the army is kept by itself and has no direct relationship with the local government. It is also a one-time payment after changing jobs. So if you want to buy a house, you have to wait until you change jobs before you can use the provident fund.

In addition, the military housing subsidy is mainly calculated according to four factors: subsidy ratio, individual basic salary, service life, and non-commissioned officer subsidy area. The housing allowance for non-commissioned officers usually includes a one-time basic allowance and a monthly basic allowance.

Basic subsidy amount for one-time settlement =[0999 65438+65438+February basic salary ×0999 housing subsidy coefficient 40.94% × 65438+number of people before February]+[8 yuan per square meter ×1length of military service before June 1992 ×. Only those non-commissioned officers selected before 1999 12 3 1 will receive this subsidy.

Basic monthly allowance. Amount = monthly basic salary × housing subsidy coefficient 40.94%, which is included in the individual housing provident fund account.

Regional subsidies: subsidies set up to take care of soldiers in high-priced areas (the average price of affordable housing is higher than 2,300 yuan per square meter of building). Different regions have different subsidy coefficients.

Regional subsidy amount = total basic subsidy × regional subsidy coefficient.

Regional subsidies are usually not included in individual housing subsidy accounts. In the purchase of housing, jobs, demobilization or sacrifice, after the death of housing subsidies, should be calculated separately.

Housing subsidy construction area standard: 90 square meters for non-commissioned officers at grade six for more than 26 years, 80 square meters for non-commissioned officers at grade five for less than 26 years, 70 square meters for non-commissioned officers at grade four for less than 60 square meters.