Details of the latest policy of Shanghai provident fund loans in different places:
First, increase the actual loan amount. 20 15 in districts and cities where the utilization rate of housing provident fund funds is less than 85% at the end of August, it is necessary to comprehensively consider the local housing price level, loan demand and borrower's repayment ability, and increase the actual amount of housing provident fund personal housing loans. On the premise of ensuring the borrower's basic living expenses, the upper limit of the monthly repayment amount to the monthly income is controlled at 50%-60%. The loan repayment period can be extended to 5 years after the statutory retirement age of the borrower, and the longest loan period is 30 years. Monthly transfer of housing provident fund to repay loan principal and interest.
Two, the use of the city's overall fund. Urban housing provident fund management centers and sub-centers in the same district shall unify the housing provident fund withdrawal and loan policies and make overall use of loan funds. If the loan funds of the housing provident fund management center or sub-center are insufficient, employees shall be allowed to apply for loans from the housing provident fund management institutions in the same city.
Third, broaden the channels for raising loan funds. Conditional cities should actively promote the securitization of housing provident fund personal housing loan assets and revitalize housing provident fund loan assets.
Four, the full implementation of remote loan business. Deposited employees who purchase houses outside the deposit place may apply for personal housing loans to the housing provident fund management center in the place where they purchase houses in accordance with the housing provident fund personal housing loan policy. The housing provident fund management center of the place of deposit and the place of purchase shall cooperate with each other, issue and confirm the deposit certificate and other materials in time, and handle the loan procedures. The specific measures shall be formulated separately by the Ministry of Housing and Urban-Rural Development.
5. Simplify business approval requirements. If the paid employees apply for housing provident fund personal housing loans and agree to calculate their monthly income according to the monthly payment of their housing provident fund, the unit does not need to issue a certificate of employee income. When paying the employee's rented commercial housing to apply for withdrawal of housing provident fund, there is no need to provide other supporting materials except the identity certificate and the proof that the employee and spouse have no housing.
Sixth, improve management efficiency and service level. Local housing provident fund management centers should optimize the internal staffing, increase the number of outlets, and tilt the salary to outlets. It is necessary to make full use of the advantages of the entrusted bank outlets, so as to facilitate the deposit workers to handle the procedures of housing provident fund withdrawal and loan nearby.
Seven, accelerate the transformation and upgrading of information systems. According to the needs of policy adjustment and process optimization, local housing provident fund management centers should speed up the transformation and upgrading of housing provident fund management information system, establish a comprehensive service platform integrating the functions of 12329 service hotline, SMS, WeChat, mobile phone APP and online business hall, promote online business, and provide efficient and convenient services for deposit workers.
Eight, the establishment of assessment accountability system. Housing provident fund supervision departments at all levels should strengthen the business assessment of urban housing provident fund management center, and take the utilization rate of housing provident fund funds or the market share of housing provident fund personal housing loans as an important assessment index, and the assessment results should be notified to the municipal people's government with districts, and serve as an important reference for the assessment of the person in charge of the housing provident fund management center. For cities with low utilization rate of housing provident fund funds or low market share of housing provident fund personal housing loans, the main person in charge of the housing provident fund management center should be interviewed and held accountable.
Provident fund off-site loan process:
From the specific division of labor, the deposit city provident fund center (including sub-centers, the same below) is responsible for reviewing employee deposits and loans, and issuing written certificates to the loan city provident fund center. The loan city provident fund center and the entrusted bank are responsible for the business consultation, acceptance, review, issuance, recovery, change and post-loan management of off-site loans, and bear the loan risks.
So, how should individuals manage provident fund loans in different places?
According to the requirements, the employees themselves or their clients apply to the municipal provident fund deposit center, and the municipal provident fund deposit center verifies the employee's deposit loan according to the employee's application, and issues the Housing Provident Fund Deposit and Use Certificate for employees who have never used the housing provident fund or whose first housing provident fund loan has been settled.
After accepting the application, the loan city provident fund center shall verify with the deposit city provident fund center; If the verification is correct, the loan approval procedures shall be fulfilled within the prescribed time limit, and the results shall be fed back to the municipal provident fund deposit center.