According to the circular, cities with districts where the utilization rate of housing provident fund funds was less than 85% at the end of August 2065438+2005 should comprehensively consider the local housing price level, loan demand and repayment ability of borrowers, and increase the actual amount of individual housing loans from housing provident fund. 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 borrower's statutory retirement age, and the long-term loan period is 30 years.
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.
How to operate the provident fund loan in different places?
According to the Notice of the Ministry of Housing and Urban-Rural Development on the Operation of Individual Housing Loan with Housing Provident Fund issued by the Ministry of Housing and Urban-Rural Development on September 2 1, the division of responsibilities and handling procedures of the loan with housing provident fund in different places were clarified, and the operating rules of the loan with housing provident fund in different places were established.
The notice pointed out that the deposit city provident fund center is responsible for reviewing employee deposits and loans, issuing written certificates to the loan city provident fund center, and coordinating the loan city provident fund center to verify relevant information.
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. The loan city provident fund center and the deposit city provident fund center should regularly check the loan situation in different places and master the repayment, change and overdue situation.
(The above answers were posted on 2017-11-22. Please refer to the actual situation for the current purchase policy. )
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