In order to standardize housing provident fund individual housing provident fund loan policies, in accordance with the relevant provisions of the "Housing Provident Fund Management Regulations" and the "Notice of the State Council on Resolutely Curbing the Excessive Rise in House Prices in Some Cities" and with the consent of the State Council, the relevant The housing provident fund loan policy notice is as follows:
1. Housing provident fund personal housing loans can only be used to purchase, construct, renovate, and overhaul ordinary owner-occupied houses by deposited employees to support basic housing needs. It is strictly prohibited to use housing provident fund personal housing loans for speculative house purchases.
2. Maintain the continuity and stability of the policy for households of contributing employees (including borrowers, spouses and minor children, the same below) to use housing provident fund personal housing loans to purchase their first ordinary home. If a housing provident fund personal housing loan is used to purchase the first ordinary self-owned house, and the building area of ??the house is less than 90 square meters (inclusive), the loan down payment ratio shall not be less than 20; if the house building area is more than 90 square meters, the loan down payment ratio The ratio must not be less than 30.
3. The second housing provident fund personal housing loan is only granted to households with depositing employees whose existing per capita housing construction area is lower than the local average, and the purpose of the loan is limited to the purchase of housing to improve living conditions. Ordinary owner-occupied house. 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 lower than 1.1 times the interest rate of the first housing provident fund personal housing loan in the same period.
4. Stop issuing housing provident fund personal housing loans to families of deposit-paying employees who purchase their third or more homes.
5. The Urban Housing Provident Fund Management Committee should reasonably determine the housing provident fund based on local housing prices, per capita housing construction area and housing provident fund business development conditions, and on the principle of supporting the loan needs of paying employees to purchase ordinary self-owned housing. The maximum amount of personal housing loans shall be reported to the provincial housing and urban-rural development, finance, People's Bank of China, and banking regulatory departments for filing. The maximum amount of individual housing loans from the housing provident fund of municipalities directly under the Central Government and the 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 filing.
6. The Urban Housing Provident Fund Management Center and entrusted banks should take effective measures to strengthen the investigation, review, mortgage, issuance, recovery and other work of housing provident fund personal housing loans, effectively strengthen loan risk management, and safeguard funds. Safety. The Housing Provident Fund Management Center must work with relevant authorities to quickly establish an information sharing mechanism to prevent fraudulent housing provident fund personal housing loans. At the same time, it is necessary to simplify procedures and improve service levels.
Urban people's governments should take into account local realities, promptly formulate specific measures to implement the spirit of this notice, and actively do a good job in policy interpretation. The relevant departments of the people's governments of all provinces, autonomous regions, and municipalities directly under the Central Government and the Xinjiang Production and Construction Corps must strengthen work guidance and increase supervision and inspection efforts. Relevant issues in policy implementation 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 in a timely manner. Required conditions for applying for provident fund loans:
(1) The borrower has good credit, stable family income, and the ability to repay the principal and interest of the loan.
(2) Continuously and normally contribute to the housing provident fund for half a year or more.
(3) The current personal account status is normal.
(4) If the provident fund payment is suspended for more than two months, the provident fund must be paid continuously for half a year or more according to the standards approved by the management center.
Legal basis:
Article 1 of the "Housing Provident Fund Management Regulations" is to strengthen the management of housing provident funds, safeguard the legitimate rights and interests of housing provident fund owners, promote urban housing construction, and improve urban housing provident fund management. This regulation is formulated based on the living standards of residents.