On October 9th, 2065438+0414/KLOC-0, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China jointly issued the Notice on Developing Personal Housing Loan Business of Housing Provident Fund, which adjusted the conditions for handling loans, loan amount, fees for related projects and provisions on mutual recognition in different places. Baoshan local treasure club will continue to pay attention to the latest news of Baoshan provident fund new deal, and everyone can continue to pay attention.

New Deal on Changes in Loan Conditions (Implemented)

Before the reform: before applying for provident fund loan, the borrower should continuously deposit the housing provident fund 12 months in Baoshan.

At present, the borrower has normally paid the housing provident fund for more than six months (inclusive) before applying for the provident fund loan.

Mutual recognition in different places: employees can apply for individual housing loans from the housing provident fund management center where they are registered with their domicile on the basis of the deposit certificate issued by the housing provident fund management center in their place of employment.

Baoshan City has formally implemented the contents of the new policy. Details are as follows:

1, purchase, build, renovate or overhaul owner-occupied housing in this city, and pay the housing provident fund normally according to the regulations.

2. Have permanent residence in cities and towns and valid identity documents;

3. Have full capacity for civil conduct;

4, good credit, with the ability to repay the loan principal and interest;

5. Employees who have paid the housing provident fund in full and continuously in the center for more than 6 months (inclusive) and continue to pay it normally (if they have paid the housing provident fund in different places and paid it in Baoshan Housing Provident Fund Management Center for less than 6 months, the balance of the housing provident fund paid in different places has been transferred to the center, and the payment time can be calculated according to the payment certificate issued by the original housing provident fund management center);

6, with more than 30% of its own funds to buy and build self-occupied housing;

7. If the borrower is single or his spouse has no stable income, he needs to find a repayment object with stable income to provide guarantee for him;

8. Other conditions stipulated by the Center.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.