Detailed rules for the implementation of housing provident fund loans in different places in Kunming
Chapter I Loan Objects and Conditions
First, the loan object
Loan target: Employees with household registration in the administrative area of Kunming, who are employed in other cities in Yunnan Province and pay the housing provident fund normally, can apply for housing provident fund loans in different places from Kunming Housing Provident Fund Management Center (hereinafter referred to as the management center) on the basis of the payment certificate issued by the housing provident fund management center (hereinafter referred to as the payment center).
Second, the loan conditions
(1) The borrower has paid the housing provident fund in full and continuously for more than 6 months (inclusive).
(2) The borrower has full capacity for civil conduct, stable income and the ability to repay the principal and interest of the loan.
(three) the borrower to buy new commercial housing or stock housing in this city, is the property owner or * * * someone.
(4) The borrower and the borrower have no outstanding housing provident fund loans in other cities in the province.
(five) the number of purchased housing units meets the standards for the identification of individual housing loans in our city's provident fund.
(six) meet other conditions for the implementation of provident fund personal housing loans in our city.
Chapter II Loan Amount, Term and Interest Rate
First, the maximum loan amount and the longest term shall be implemented according to the standards stipulated by the Housing Provident Fund Management Committee of our city.
Two, the borrower and the borrower in other cities in the province to deposit housing provident fund, can be combined to calculate the amount of housing provident fund loans in different places.
Three, off-site loan interest rates in accordance with the provisions of the people's Bank of China housing provident fund loan interest rates.
Chapter III Application Materials
I. Personal data
(1) Certificate of Deposit of Housing Provident Fund for Employees with Loans from Different Places in Yunnan Province (Annex I) issued by the center where the borrower and spouse deposit, and the details of deposit in the last 6 months (signature).
(two) the income certificate of the borrower's spouse and the borrower who has not paid the housing provident fund (Annex II) (signature).
(three) the borrower and his spouse's identity card, household registration book, the original inspection, and a copy.
(4) Marriage certificate of the borrower and spouse (marriage certificate, divorce certificate and divorce agreement, and the divorced or widowed person must also issue a certificate of non-remarriage) (validity period 1 month). Singles must provide unmarried certificate (validity period 1 month), check the original and get a copy.
(five) repayment passbook (card), the original inspection, inspection copy.
Second, the purchase information
It is consistent with the purchase information that needs to be submitted by the provident fund personal housing loan in our city.
Third, others.
Employees and loan-related personnel who apply for and complete housing provident fund loans in different places in the city's domicile cannot apply for monthly deduction of provident fund repayment; The balance of the deposit account can only be used to repay the principal and interest of loans in different places in advance, and the principle of repayment first and then withdrawal is implemented when withdrawing, and withdrawal is made once a year.
Chapter IV Loan Procedures
I. Individual application
Borrowers apply for off-site provident fund loans to branches and management departments of Kunming Housing Provident Fund Management Center based on personal data and purchase information.
Second, the central audit
Sub-centers and management departments conduct preliminary examination of the borrower's application materials, verify the authenticity of the deposit certificate with the deposit center, enter the borrower's relevant information in the system, and conduct loan review after meeting the loan conditions.
Three. loan origination
It shall be handled in accordance with the operating procedures of individual housing loan of Kunming housing provident fund.
Chapter V Loan Repayment and Post-loan Management
I. The borrower shall repay the loan principal and interest according to the repayment method and repayment plan agreed in the loan contract. If the borrower fails to repay the loan principal and interest in full for three consecutive months or more (inclusive), the management center may declare the loan due and require the borrower to immediately pay off all the loan principal and interest and related expenses.
Second, if the borrower's loan is overdue for three consecutive months or more than six months (inclusive), the management center may request the deposit center to help effectively control the borrower and the borrower's housing provident fund account, and deduct the due amount from the housing provident fund account according to the loan contract.
Three, because the borrower provides false materials to obtain loans, after verification, the management center should recover the loans that have been issued, promptly notify the deposit center, and reserve the right to investigate and deal with them according to law.
Four, the management center should release the loan information in different places, and regularly give safe feedback to the depository center.
Chapter VI Supplementary Provisions
I. These Detailed Rules shall be implemented as of August 20 15 1 day. Matters not covered in this agreement shall be implemented in accordance with the relevant provisions of Kunming housing provident fund loan.
Two, these rules shall be interpreted by the Kunming Housing Provident Fund Management Center.