In order to better support the housing provident fund to pay employees' basic housing consumption, further standardize the management of housing provident fund personal housing loans, effectively prevent and control loan risks, and ensure the safety of housing provident fund funds, according to the relevant opinions and requirements of the National Audit Office on the audit of housing provident fund in Liaoning Province, combined with the "Business Specification for Housing Provident Fund Personal Housing Loans" of the Ministry of Housing and Urban-Rural Development (hereinafter referred to as "Business Specification") and the actual needs of the development of individual housing provident fund loan business in our city, With the consent of the Municipal Housing Provident Fund Management Committee, the original "Dalian Individual Housing Provident Fund Loan Management Measures" and "Dalian Individual Housing Provident Fund Loan Management Measures Implementation Rules" were merged and revised into "Dalian Individual Housing Provident Fund Loan Management Measures", which was officially implemented on March 1 day.

The main contents of policy adjustment are as follows:

The first is to standardize the loan review conditions.

1. Standardize loan conditions

Increase the number of borrowers who have not reached the statutory retirement age.

2. Standardize the relationship between borrowers and buyers.

The original "I or my spouse, parents and children buy, build, renovate and overhaul urban self-occupied ordinary housing in the city area" is standardized as "I buy, build, renovate and overhaul urban self-occupied ordinary housing in the city area as the owner of the house or the owner of * * * *", which clarifies the nature of provident fund loans to support employees to buy self-occupied housing.

3. Relaxed the time conditions for purchasing commercial housing.

Combined with the actual situation of pre-sale of commercial housing, in order to further increase measures to benefit the people and facilitate the people, the restriction on purchasing commercial housing within one year is cancelled.

4. Adjust the rules for determining the number of housing units for provident fund loans.

In June165438+1October, 2020, the Liaoning Provincial Government abolished the Notice on Supporting Residents' Demand for Self-occupation and Improved Housing (Liao Zhengban [2015] No.30), and cancelled the provision of "denying loans but not houses". According to the spirit of the Notice of the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China on Developing Personal Housing Loan Business of Housing Provident Fund (Jian Jin [20 14] 148), this adjustment is to determine the number of housing units with provident fund loans according to the actual number of housing units held by families.

5. Standardize the conditions for applying for provident fund loans again.

According to the requirement of "the borrower (including the same borrower) and his spouse have no outstanding provident fund loans" in the business specification, the original "if one spouse applies for a loan in his own name, it will not affect the other spouse to apply for a loan in his own name" is adjusted to "the borrower's family has no outstanding provident fund loans (including provident fund loans under the names of both spouses, including off-site provident fund loans and discount loans)".

Second, standardize loan types and mortgage guarantee requirements.

Because it does not meet the requirement of "the house purchased by this loan should be used as collateral for the purchase of owner-occupied houses" in the Business Code, it is adjusted to "the borrower should provide mortgage guarantee for the purchase and construction of houses for the purchase of commercial houses, stock houses, housing reform houses and self-built houses", and the types of loans for households without houses, relocated houses, property rights exchange houses and replacement houses are cancelled.

Third, other adjustments.

1. Reduce the application criteria for loan extension.

Relax the original restriction that the extension of loan term is limited to family difficulties such as unemployment, cancel unemployment certificate, family difficulties certificate and written certificate that insurance company or guarantee company agrees to change, and effectively help low-and middle-income workers solve their housing difficulties and reduce the repayment burden.

2. Relax the geographical restrictions on loan processing.

Cancel the restriction that the original five-district commercial housing portfolio loans in the city are handled in the offices where the portfolio banks are located, and the restrictions that the stock houses and other types of loans are handled in the offices where the mortgaged houses are located, and adjust them to those where the mortgaged houses are located in Zhongshan District, Xigang District, Shahekou District, Ganjingzi District and High-tech Park, and all kinds of loans can be handled in the above offices to provide convenience for employees to handle loans.

3. Cancel some supporting materials

Simplify the examination and approval process, and cancel some supporting materials, place name certificates and other related materials for military officers to apply for loans.