(1) 1. Apply for housing provident fund loan recognition. The number of loan housing units shall be determined according to the criteria for determining commercial housing loans. "Housing" refers to the national individual housing loan records and housing provident fund individual housing loan records in PBOC credit information system.

(2) Second, the execution of the loan amount and loan application reflects the fairness of the system, and the public loan is 654.38+10,000 yuan. If the term of deposit is less than 654.38+0 whole year, the upper limit of the loan is 654.38+0.2 million yuan. If the loan applicant is married, it shall be calculated by the party with a long accounting period.

(3) The third is to distinguish the loan amount. To implement the relevant requirements of Beijing's overall urban planning, the maximum loan amount can be increased by 1 for households registered in the sixth district of Beijing, and10.4 million yuan for households registered in Dongcheng District or Xicheng District of Beijing, but the loan amount can be increased by10.3 million yuan for the first suite outside the sixth district of Beijing. At the same time, the second home loan amount was reduced from 800,000 yuan to 600,000 yuan.

Second, Beijing housing provident fund loan policy

Legal analysis: 1. When using provident fund loans, the policy of "recognizing housing and recognizing loans" will be implemented. The so-called "recognizing the house and the loan" means not only to see whether there is a house under the name, but also to see the individual housing loan records nationwide. If the loan applicant has no housing loan record (including commercial housing loans and housing provident fund personal housing loans) and has no housing in this city, it shall be handled according to the first home loan policy; Those who do not belong to the first suite and are approved as the second suite shall be handled according to the second suite loan policy; If there are two or more houses approved, no loans will be granted. 2. The provident fund loan will be linked to the deposit period, with a loan of 654.38+10,000 yuan for each year of deposit and a maximum loan of 12 years10.2 million yuan. Legal basis: Notice of Beijing Housing Provident Fund Management Center on Adjusting Housing Provident Fund Individual Housing Loan Policy In order to thoroughly implement the spirit of the 19th National Congress of the Communist Party of China, adhere to the positioning of "houses are for living, not for speculation", implement the relevant requirements of Beijing's overall urban planning, further strengthen the management of housing provident fund, and return to the essence of housing provident fund policy, Beijing Housing Provident Fund Management Center adjusted the loan policy with the approval of the 19th plenary session of Beijing Housing Provident Fund Management Committee. First, when applying for housing provident fund loans, "recognize housing and loan". The number of loan housing units shall be determined according to the criteria for determining commercial housing loans. "Housing" refers to the housing in Beijing under the borrower's name, and "loan" refers to the national personal housing loan records in the credit information system of the People's Bank of China, including commercial housing loan records and housing provident fund personal housing loan records. Second, the loan amount is linked to the borrower's housing provident fund deposit period. In order to reflect the fairness and justice of the system, the loan can be 6,543,800 yuan per year. If the deposit period is less than 654.38+ 0, the maximum loan can be 6,543,800 yuan+0.2 million yuan according to the calculation of 654.38+0. If the loan applicant is married, the loan amount shall be calculated by the long-term paying spouse. The third is to distinguish the maximum loan amount. To implement the relevant requirements of Beijing's overall urban planning, households registered in the sixth district of the city who buy houses outside the sixth district of the city and are the first suites can increase the loan amount by up to 654.38+10,000 yuan and 200,000 yuan. For example, if a loan applicant has a household registration in Dongcheng District or Xicheng District of Beijing and buys the first home outside the sixth district of Beijing, the maximum loan amount can be raised to 6.5438+0.4 million yuan; For those who do not belong to the former situation, but the household registration of the loan applicant is in the sixth district of the city, the maximum loan amount can be increased to 6.5438+0.3 million yuan if the first house is purchased outside the sixth district of the city. At the same time, the maximum loan amount of the second home loan was lowered from 800,000 yuan to 600,000 yuan. Fourth, the down payment ratio was adjusted according to the current commercial loan policy. That is, the down payment ratio of the first set of ordinary housing is not less than 35%, and the down payment ratio of the first set of non-ordinary housing is not less than 40%. The down payment ratio of the first set of housing for purchasing policy housing such as * * * property housing shall not be less than 30%. If you buy ordinary housing and it is a second house, the down payment ratio shall not be less than 60%, and the down payment ratio for purchasing non-ordinary housing shall not be less than 80%. In order to reflect the policy support for low-income families, the down payment ratio for purchasing affordable housing is not less than 20%. The fifth is to adjust the loan term. The loan term can be calculated from the longest to the borrower's 70 years old, and adjusted to the longest 65 years old in principle. If the loan applicant is married, the loan term shall be calculated according to the longer of the husband and wife. Sixth, adjust the monthly repayment amount. On the premise of ensuring the borrower's basic living expenses, the monthly repayment amount calculated by the matching principal and interest repayment method shall not exceed 60% of the borrower's monthly income, and the loan amount and loan term shall be determined. Seventh, adjust the guarantee method. Second-hand housing loans are issued after mortgage registration is completed. If the entrusted bank provides commercial loans for the purchase of faster houses and staged guarantees for the development of enterprises, the individual housing loan for housing provident fund will also be provided by the entrusted bank in collaboration with the development of enterprises. If the entrusted bank has no commercial loan in this project, Beijing Housing Loan Guarantee Center will still provide phased guarantee. Eight is to streamline the loan application materials. For the convenience of loan applicants, the loan handling department of the management center only keeps the original purchase contract (if it is inconvenient to provide the original, provide a copy) and the original Certificate of Deposit and Use of Housing Provident Fund for Employees with Foreign Loans when accepting loan applications. After verification, the remaining loan application materials will be stored in electronic image files for review and use in the process of business handling. Nine is to streamline archival materials. Implement the concept of green development, and reduce the loan contract of the existing management center, Beijing Housing Loan Guarantee Center, borrower and entrusted bank to one, and the management center, borrower and entrusted bank and Beijing Housing Loan Guarantee Center will not be retained.

3. What are the policies for housing provident fund loans in Beijing?

That is to say, you have to pay the minimum down payment for buying a house. Suppose that the real estate with a value of 6.5438+0.00 million yuan, according to the current provident fund loan policy, the minimum down payment is 20%, which means that the loan can only be up to 800,000 yuan, and at least 200,000 yuan down payment is required.

2065438+On March 30th, 2005, the People's Bank of China, the China Banking Regulatory Commission and the Ministry of Housing and Urban-Rural Development issued the Notice on Issues Related to Individual Housing Loan Policy, which mentioned that the threshold of provident fund mortgage should be further lowered. The paid employee families use the housing provident fund to entrust loans to purchase the first set of ordinary self-occupied housing, and the minimum down payment ratio is 20%; For the paid workers' families who own 1 house and have settled the corresponding housing loans, in order to improve their living conditions, they apply for housing provident fund entrusted loans again to purchase ordinary self-occupied houses, and the minimum down payment ratio is 30%.

4. Can Beijing buy a house without provident fund?

You can also buy a house without paying the housing provident fund loan, as long as the customer meets the following conditions:

1, age 18 years old or above (inclusive)

Only natural persons with full capacity for civil conduct are eligible for loans.

2. Have a valid residence status in the local area and be an operator.

Comply with local housing policies

1) You can provide permanent residence booklet or temporary residence permit to prove your residence status.

2) The conditions for buying a house in different cities may be different. For example, non-Beijing families can only buy a house in 1 if they have no house in Beijing and have paid social security or individual tax in Beijing for five consecutive years.

3. Good personal credit

There is no bad record or serious negative information in the credit report.

4. Have a stable and legal source of economic income.

Can provide sufficient economic income, assets and financial information to prove that it has the ability to repay the loan principal and interest on time.

5. The down payment of the house reaches the proportion stipulated by the bank.

Different places and banks may have different ratios. Generally, the minimum down payment for the first home loan is about 30% of the total house price; According to the regulations of the State Council, the minimum down payment for the second home loan should not be less than 40% (all localities and banks will make some floating adjustments on this basis, so the down payment for the second home loan in some cities needs 50% to 60%, and some even reach 70% to 80%).

Those who meet the above conditions can apply for commercial loans to purchase houses according to the following procedures.