1. Phased support policies for housing provident fund loans

(1) Reduce the down payment ratio of provident fund loans

Depositors who meet the conditions of provident fund loans in our city purchase the first house, and the down payment ratio is not less than 2% of the total house price; When buying a second house and re-trading the house, the down payment ratio shall not be less than 3% of the total house price;

(2) Shorten the minimum number of consecutive deposit months

For those who apply for provident fund loans, the deposit conditions have been shortened from "monthly, full and continuous deposit of housing provident fund for more than 12 months (inclusive)" to "monthly, full and continuous deposit of housing provident fund for more than 6 months (inclusive)";

(3) Adjust the formula coefficient of provident fund loan

Adjust the formula coefficient of provident fund loan amount from 8 to 1, that is, "the loan amount of the borrower's provident fund = the current balance of the provident fund account *1+ the current number of months of provident fund deposit *2".

the above policies are adjusted by stages and will be valid until December 31, 223.

2. Support policies for the withdrawal and use of housing provident fund for families with many children

For families with many children who meet the national birth policy, the maximum amount of provident fund loans will be appropriately increased, but it will not be accumulated with other preferential policies and phased policies; If the owner-occupied housing is leased, the housing accumulation fund shall be withdrawn according to the actual rental expenses of the family.

(1) Families with many children buy self-occupied houses. If a family with many children buys the first set of self-occupied housing or a family with many children with minor children buys self-occupied housing, the maximum amount of provident fund loans will be increased by 1, yuan, that is, for families with many children who normally pay housing provident fund in our city, the maximum amount of loans for both husband and wife is 6, yuan, and the maximum amount of loans for one party is 4, yuan; For families with many children who have paid the provident fund in different places and paid the provident fund in flexible employment, the maximum loan amount for both husband and wife is 5, yuan, and the maximum loan amount for one party is 3, yuan;

(2) Families with many children rent self-occupied housing and withdraw housing accumulation fund. If the depositors who meet the extraction conditions of "houseless workers renting houses in this city" within the administrative area of Heze City rent commercial houses in this city and are registered by the housing construction department, families with many children will extract housing provident fund according to the actual rental expenses of their families; The maximum annual withdrawal amount for renting commercial housing in this city without the registration of the housing construction department does not exceed 24, yuan (according to the standard of 2 yuan/month).

3. Provident fund loan support policy for prefabricated houses

The Provident Fund Center will give priority to the application for cooperation between development enterprises adopting prefabricated houses. Applicants for provident fund loans to purchase prefabricated houses are given priority in lending and are not included in the waiting list. The identification standard of prefabricated houses shall be implemented in accordance with the relevant provisions of the housing and construction department of this Municipality.

Depositors apply for using provident fund loans to purchase prefabricated houses, and actively support them in accordance with the differentiated housing credit policy. The maximum loan amount will increase by 2%, that is, employees who normally pay housing provident fund in our city will purchase prefabricated houses, with the maximum loan amount of 6, yuan for both husband and wife and 36, yuan for one party; Employees who have paid the provident fund in different places and those who have paid the provident fund in flexible employment purchase prefabricated houses. The maximum loan amount for both husband and wife is 48, yuan, and the maximum loan amount for one party is 24, yuan. The maximum loan amount for purchasing prefabricated houses to apply for provident fund loans is not accumulated with other preferential policies and phased policies.

The process of provident fund loan is as follows:

1. The borrower submits personal application materials to the bank window of the loan service hall, which will be accepted and reviewed by the bank, and then submitted to the center for review after passing the examination;

2. If the center reviews and approves the loan, the guarantee company will review it, go through the guarantee procedures and pay the guarantee fee;

3. The borrower returns to the bank window to sign the loan contract, goes through the notarization formalities at the notarization window and pays the notarization fee;

to sum up, for employees who participate in the Shandong provident fund system, if they want to use provident fund loans, they should also meet the conditions of having full capacity for civil conduct, having paid the provident fund for more than half a year, having a loan period of less than 3 years, and agreeing to apply for housing mortgage.

Legal basis:

Article 26 of the Regulations on Housing Provident Fund Management

Employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall, within 15 days from the date of accepting the application, make a decision on whether to grant or not to grant loans, and notify the applicant; If the loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

4. Wait for the bank's notice to receive the loan contract and loan voucher and start repayment according to the contract.