The Measures for the Administration of Personal Housing Provident Fund Loans in Tianjin were reviewed and approved by the Tianjin Housing Provident Fund Management Committee. It is issued to you, please follow it.
This notice shall come into force on February 1 day, 2065438.
2018165438+1October 23rd
(This film is voluntary)
Measures of Tianjin Municipality on the Administration of Individual Housing Provident Fund Loans
Chapter I General Principles
Article 1 In order to standardize the management of individual housing provident fund loans and support employees to purchase, build, renovate and overhaul occupied housing, these measures are formulated according to the Regulations of the State Council Municipality on the Administration of Housing Provident Fund, the Regulations of Tianjin Municipality on the Administration of Housing Provident Fund and the relevant provisions of the state, combined with the actual situation of our city.
Article 2 Personal housing provident fund loans refer to special housing consumption loans for the purchase, construction, renovation and overhaul of self-owned houses within the administrative area of this Municipality. Housing purchased by employees includes commodity housing, price-limited commodity housing, affordable housing, private housing and public housing property rights.
Article 3 Individual housing provident fund loans shall follow the principles of combining deposit with loan, deposit first and then loan, one-time loan with zero repayment and loan guarantee.
Fourth city housing provident fund management center for the city's individual housing provident fund loans management agencies, responsible for the examination and approval of individual housing provident fund loan applications, supervision of individual housing provident fund loans and settlement.
Article 5 The personal housing provident fund loan financial business is a commercial bank determined by the Municipal Housing Provident Fund Management Committee entrusted by the Municipal Housing Provident Fund Management Center (hereinafter referred to as? Loan bank? ) handle.
The loan bank must accept the supervision, assessment and management of the municipal housing provident fund management center when handling the personal housing provident fund loan business.
Article 6 When the employee's application for personal housing provident fund loan is insufficient to pay for the purchase, construction, renovation and overhaul of housing, he may also apply for personal housing loan from the loan bank. The lending bank will merge the personal housing provident fund loan with the bank's personal housing loan (excluding the Sino-German housing savings loan) (i.e.? Personal housing provident fund portfolio loan? ) in the form of assigned to employees.
Chapter II Loan Objects and Conditions
Article 7 If an employee's family (including employees, spouses and minor children, the same below) purchases its own house, the employee may apply for a personal housing provident fund (portfolio) loan (hereinafter referred to as? Housing provident fund loan? )。 At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the spouse shall also meet the loan conditions stipulated in these Measures.
Eighth different family members * * * with the purchase of a house, one of the buyers can apply for housing provident fund loans.
Article 9 Employees applying for housing provident fund loans shall meet the following conditions:
(a) with full capacity for civil conduct, a stable occupation and income, the ability to repay the principal and interest of the loan, and good credit;
(two) has not yet reached the statutory retirement age (otherwise stipulated by the state can be extended, according to its provisions, but the maximum should not exceed 65 years of age);
(3) The house transaction is true, lawful and effective;
(4) He has opened a housing provident fund account for more than 1 year, paid the housing provident fund for more than 1 year continuously before applying for a housing provident fund loan, and the employer has no breach of contract;
(five) no housing provident fund loan debt;
(6) The down payment has been paid according to the provisions of these Measures;
(seven) agreed to provide security in accordance with the provisions of these measures.