1. Target recipients of non-Xi’an housing provident fund loans within the province of Xi’an

Purchase of self-occupied ordinary housing in Xi’an urban area, non-Xi’an housing in Shaanxi Province that meets the application conditions for housing provident fund loans in our city Provident Fund Management Center contributions to employees.

If employees of the Xi'an Housing Provident Fund Management Center purchase a house in other cities in Shaanxi Province and apply for a loan in the place of purchase, the loan policy of the off-site housing provident fund in the place of purchase shall be followed.

2. Application conditions

The borrower should meet the following conditions when applying for a loan:

(1) Employees who are deposited in Shaanxi Province and in the administrative area of ??Xi'an City Those who purchase self-occupied ordinary houses within the scope, have local household registration, and work in other places in the province can apply for housing provident fund loans in other places; if they do not have local household registration, they must provide relevant certificates that they or their spouses work or study locally;

(2) The borrower has paid the housing provident fund in full for more than 6 months (inclusive) in the place where the housing provident fund is deposited, and the account status is normal;

(3) Has stable economic income and good credit, Deposit-paying employees who have the ability to repay the principal and interest of the loan and have full capacity for civil conduct;

(4) The borrower’s credit report has no loan defaults for three consecutive months or a total of six months in the past five years records, and the borrower and his spouse have no unpaid housing provident fund loans (including the housing provident fund deposit place);

(5) Agree to the relevant loan regulations of the Xi'an Housing Provident Fund Management Center.

3. Materials required for application

(1) Materials required for deposit-taking employees in other cities to purchase houses in Xi’an and apply for loans in other places:

1. "Housing Provident Fund Off-site Loan Application Form" authorized by the Housing Provident Fund Management Center of the deposit place (see Appendix 1);

2. "Employee Housing Provident Fund Payment and Loan" issued by the Housing Provident Fund Management Center of the deposit place "Certificate of Circumstances" (see Appendix 2);

3. Resident ID cards of the borrower and his spouse;

4. Household register of the borrower and his spouse;

5. Proof of the borrower’s marital status;

6. Proof of income of the borrower and his spouse;

7. Credit status of the borrower and his spouse printed by the bank Report;

8. Proof of down payment for house purchase;

9. House sales contract or agreement that complies with legal provisions;

10. Requirements of Xi’an Housing Provident Fund Management Center Other materials provided.

(2) Materials that local depositing employees need to provide when purchasing a house in another city and applying for an off-site loan to issue the "Proof of Employee Housing Provident Fund Deposit and Loan Status (Purchasing a House in Another Place)":

1. Fill in the "Housing Provident Fund Off-site Loan Application Form";

2. Original ID cards and marriage certificates of both spouses;

3. Commercial housing sales contract or down payment note.

4. Process for off-site loan processing within the province

(1) Loan application. In accordance with the third requirement of this Notice, the borrower submits loan application materials to the bank entrusted by the Xi'an Housing Provident Fund Management Center where the house is purchased.

(2) Loan acceptance, review and approval. After receiving the loan information, the center will make a decision to approve or disapprove the loan within 15 working days, and notify the borrower and the housing provident fund management center at the place of deposit; if the loan is approved, the entrusted bank will notify the borrower to handle relevant procedures.

(3) Loans. After the loan contract and the house mortgage contract come into effect, the lending bank will transfer the borrowed funds to the account opened by the selling unit (person) in accordance with the regulations according to the time stipulated in the loan contract.

5. Loan amount, loan interest rate and term

The loan amount shall be implemented in accordance with the relevant regulations of Xi'an Housing Provident Fund Management Center.

The loan interest rate is subject to the regulations of the People's Bank of China. If the statutory interest rate is adjusted during the loan period, there will be no adjustment if the loan period is one year (inclusive); if the loan period is more than one year, new interest rate regulations will be implemented according to the corresponding interest rate grade from January 1 of the following year.

Loan term The maximum loan term is 30 years. In principle, it shall not exceed the remaining years from the statutory retirement age. However, for employees whose remaining years from the statutory retirement age are within 10 years, upon personal application, they can Extended to 5 years after the statutory retirement age.

6. Loan repayment

The borrower shall deposit the monthly repayment principal and interest into the repayment account opened by the lending bank in accordance with the loan contract.

If the borrower defaults on repayment for three consecutive months, the Xi'an Housing Provident Fund Management Center will freeze the borrower's housing provident fund account through the Housing Provident Fund Management Center at the place where the borrower makes the deposit, and send a collection assistance letter; If the borrower defaults on repayment within six months, the Xi'an Housing Provident Fund Management Center has the right to recall the loan and force the borrower and his spouse's housing provident funds to be transferred through the housing provident fund management center at the place of loan for repayment.

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