In accordance with the central government's orientation of "housing without speculation" and the spirit of establishing a housing system with rent and purchase at the same time, in order to support employees to buy the first set of ordinary self-occupied housing and the second set of improved housing, and to support employees to improve rental conditions, combined with the actual situation of this city, the first plenary meeting of the Municipal Housing Provident Fund Management Committee in 2020 deliberated and passed, and now the housing provident fund loan and withdrawal policies of our city are clarified and adjusted.
The first is to adjust the recognition standard of "home loan"
(1) recognize the house. The property right registration records registered by the county-level housing management department shall prevail. If the purchaser (the applicant is the same as * * *) has a record of the ownership of the house property in the place of purchase and the place where the housing provident fund is paid, it will be included in the scope of identification.
(2) loan approval. The housing loan record recorded by the purchaser (the applicant and the same applicant) in the personal credit report of the People's Bank of China shall prevail. Housing provident fund loans that have been settled and outstanding are included in the scope of recognition; Commercial personal housing loans are not settled, which are included in the scope of recognition, and commercial personal housing loans have been settled, which are not included in the scope of recognition.
If the above-mentioned property ownership records and housing loan records are accumulated twice (if the property ownership records and housing loan records are the same set of housing, they are not accumulated), the second purchase is recognized as the third set of housing.
Two, clear the coefficient and multiple in the calculation formula of loanable amount.
"Leshan City Housing Provident Fund Personal Housing Loan Management Measures" stipulates that the formula for calculating the loan amount is: (the normal deposit balance of the borrower's housing provident fund+* * is the same as the normal deposit balance of the applicant's housing provident fund) ×× deposit time coefficient× multiple.
"Deposit time coefficient": when applying for provident fund loan, if the continuous normal deposit time is less than 12 months, the deposit time coefficient is 0.7; If the continuous normal deposit time is more than 13 months, the deposit time coefficient is 1.
Multiply: 10 times.
Three, clear the maximum loan amount standard
(1) If both the applicant and the spouse have paid the housing provident fund, the maximum loan amount is 500,000 yuan.
(2) If the applicant unilaterally pays the housing provident fund, the maximum loan amount is 400,000 yuan.
(3) The final loan amount is subject to the amount after the submitted loan information is approved.
Fourth, adjust the employee rent extraction standard
Taking the family as a unit, the annual extraction standard for single-paid employees is raised to 10000 yuan/year; The annual extractable standard for married paid employees is raised to 15000 yuan/year.
This notice shall come into force on May 1 day, 2020, with a validity period of 2 years. In the period of validity, there are other provisions in laws, regulations, rules or superior normative documents, or if the decision to abolish, modify or abolish the contents of this notice has been made according to procedures, those provisions shall prevail.
Leshan Housing Fund Management Committee
April 3(rd), 2020