In order to prevent risks, according to the relevant provisions of the Guiding Opinions on Several Specific Issues of Housing Provident Fund Management issued by the Ministry of Construction, the Ministry of Finance and the People's Bank of China, the Municipal Housing Provident Fund Management Center has recently established a borrower interview system. In the future, borrowers can apply for housing provident fund loans only after they have been interviewed by the loan handlers of the center and signed the Memorandum of Interview with Housing Provident Fund Loan Clients.

Before the borrower applies for a loan, the central loan manager interviews the borrower, and on the basis of introducing the housing provident fund loan policy and relevant laws to the applicant in an all-round way, he asks the applicant questions according to the Memorandum of Customer Interview on Housing Provident Fund Loan. The questions involve the authenticity and purpose of the applicant's house purchase, the borrower's responsibility, whether the spouse knows and its obligations, precautions for early repayment, the guarantor's responsibility, the mode of fund allocation, the loan contract, etc. 10.

After the interview, the loan manager of the center will preliminarily judge the borrower's real intention, repayment willingness, repayment ability and the authenticity of the personal information provided by him through the analysis of the interview, and then determine the borrower's loan amount and term according to the interview records.

The implementation of the loan interview system is helpful to further standardize the management of individual housing provident fund loans, prevent and control loan risks, and promote the healthy development of individual housing provident fund loan business.