Qilu Net Dezhou May 25 th
From May 22nd, Dezhou Housing Provident Fund Management Center and the entrusted bank started the housing provident fund portfolio loan business. In the future, when the housing provident fund loan is not enough to pay for the house purchase, the paid employees can use the combination loan method, and all borrowers who meet the application conditions of provident fund loan and commercial bank housing loan can apply.
It is understood that borrowers applying for portfolio loans should meet the following conditions at the same time: the purchased real estate is a compliant commercial house within the administrative area of Dezhou City, and the new residential real estate project is an access project for personal housing loans of entrusted banks; Meet the conditions of commercial bank housing provident fund and individual housing loan; I and my spouse have no outstanding personal housing loans or other large debts; Agree to guarantee according to the guarantee method approved by the management center; Other conditions that meet the requirements of the management center and the entrusted bank.
The maximum portfolio loan shall not exceed 80% of the total price of the purchased property (70% for the second family house, and the third and above houses are not supported). Among them, the personal housing loan amount of commercial banks is not less than 50,000 yuan. The longest term of portfolio loan is 30 years. Among them, the age and loan life of male borrowers of housing provident fund loans shall not exceed 65 years old, and the age and loan life of female borrowers shall not exceed 60 years old. The housing accumulation fund in portfolio loans and individual housing loans of commercial banks shall be charged with interest at the interest rate stipulated in relevant policies. When the national interest rate is adjusted, the interest rate for the remaining term shall be adjusted according to the rules agreed in this contract. The repayment method of portfolio loan is set according to the equal principal and interest, and the loan principal and interest (including overdue penalty interest) are repaid monthly. Among them, the repayment methods of commercial bank housing provident fund and personal housing loan should be the same, and the monthly repayment amount should be subject to the calculation results of the management center and the personal housing loan system of the entrusted bank respectively.
According to the regulations, the monthly repayment amount of the portfolio loan shall not exceed 50% of the sum of the income of the borrower's husband and wife, and the income shall be comprehensively determined with reference to the depositor's housing provident fund deposit base, bank payroll and other materials. The borrower should use the same bank account to repay the housing provident fund and the principal and interest of individual housing loans of commercial banks, and sign a loan receipt and an entrusted repayment agreement with the entrusted bank, authorizing the entrusted bank to transfer the loan principal and interest that should be repaid on the monthly repayment date.
In addition, after the portfolio loan is issued, the borrower can choose to settle or repay part of the loan principal and interest in advance. If part of the loan is repaid in advance, it shall be repaid according to the amount or proportion agreed in the loan contract. After the borrower has settled the housing accumulation fund and the personal housing loan of the commercial bank, it shall apply to the real estate mortgage registration department for cancellation of the real estate mortgage registration according to the relevant procedures issued by the management center, the entrusted bank and the guarantee company.
Portfolio loan application process:
(1) The borrower applies to the management center with the corresponding application materials, fills in the Application Form for Individual Housing Provident Fund Loan, and confirms the application for portfolio loan if it meets the requirements after examination;
(2) The management center examines and approves the borrower's loan application;
(3) The guarantee company signs a loan guarantee contract with the borrower;
(4) The management center transmits the loan information to the entrusted bank;
(five) the entrusted bank and the borrower signed the "individual housing provident fund loan contract" and approved the commercial loan.
(6) The entrusted bank applies to the management center for loan, and the management center lends money.
Annex: Interim Measures of Dezhou Municipality on Housing Provident Fund Portfolio Loan
Chapter I General Principles
Article 1 In order to give full play to the housing security function of housing provident fund, better support paid employees to solve housing problems and improve their living conditions, Dezhou Housing Provident Fund Management Center (hereinafter referred to as the "Management Center") and the entrusted banks jointly carry out the individual housing portfolio loan business of housing provident fund. According to the "People's Republic of China (PRC) Contract Law", "Regulations on the Management of Housing Provident Fund" and "Dezhou Housing Provident Fund Loan Management Measures", these measures are formulated.
Article 2 Housing provident fund individual housing portfolio loans (hereinafter referred to as "portfolio loans") refer to borrowers who meet the conditions of both the housing provident fund and individual housing loans of commercial banks. When the housing provident fund personal housing loan is insufficient to pay the purchase price, you can apply for personal housing loan from commercial banks at the same time. Portfolio loans are jointly issued by the management center and the entrusted bank, and the principal and interest are charged according to the amount, term and interest rate agreed in the loan contract.
Chapter II Portfolio Loan Business Model
Article 3 The management center shall be responsible for the approval and issuance of individual housing loans from housing accumulation fund in portfolio loans in accordance with relevant policies and business processes, and bear the risks of loan issuance.
Article 4 Individual housing loans in portfolio loans of commercial banks shall be approved and issued by the entrusted banks recognized by the management center in accordance with relevant policies and business processes, and bear the risks of issuing loans.
Article 5 The guarantee company recognized by the management center shall provide joint guarantee for the whole process of portfolio loans. The Borrower and the Lender sign the Individual Housing Portfolio Loan Contract; The borrower and the guarantee company signed the Guarantee Contract for Individual Housing Portfolio Loan.
Article 6 The portfolio loan business shall be completed by the cooperative unit. The management center, the entrusted bank and the guarantee company cooperate with each other and earnestly perform their respective responsibilities, rights and obligations.
Article 7 The mortgage right of portfolio loans belongs to the entrusted bank, and the warrants are kept by the entrusted bank.
Article 8 The entrusted bank shall collect the provident fund loan deposit from the developer at the same time and hand it over to the management center for management.
Chapter III Loan Object and Application Conditions
Article 9 Any borrower who meets the application conditions of housing provident fund personal housing loan and commercial bank personal housing loan may apply for portfolio loan.
Article 10 A borrower applying for a portfolio loan shall meet the following conditions:
(1) The purchased real estate is a commercial house that meets the requirements within the administrative area of Dezhou City, and the newly-built residential real estate project is an access project for the personal housing loan of the entrusted bank;
(two) in line with the conditions of commercial bank housing provident fund and individual housing loans;
(3) I and my spouse have no outstanding personal housing loans or other large debts;
(four) agreed to guarantee by the way of guarantee approved by the management center;
(5) Other conditions that meet the requirements of the management center and the entrusted bank.
Chapter IV Loan Amount, Term, Interest Rate and Repayment Method
Eleventh portfolio loans shall not exceed 80% of the total price of the purchased property (70% for the second family house, and the third and above houses are not supported). Among them, the personal housing loan amount of commercial banks is not less than 50,000 yuan.
Article 12 The longest term of a portfolio loan is 30 years. Among them, the age and loan life of male borrowers of housing provident fund loans are not more than 65 years old, and the age and loan life of female borrowers are not more than 60 years old.
Article 13 The housing accumulation fund in portfolio loans and individual housing loans of commercial banks shall be charged with interest according to the interest rate stipulated in relevant policies respectively. When the national interest rate is adjusted, the interest rate for the remaining term shall be adjusted separately according to the rules agreed in this contract.
Article 14 The repayment method of portfolio loans is set according to the equal principal and interest, and the loan principal and interest (including overdue penalty interest) are repaid monthly. Among them, the repayment methods of commercial bank housing provident fund and personal housing loan should be the same, and the monthly repayment amount should be subject to the calculation results of the management center and the personal housing loan system of the entrusted bank respectively.
Chapter V Business Process
Fifteenth portfolio loans should be handled according to the following procedures:
(1) The borrower applies to the management center with the corresponding application materials, fills in the Application Form for Individual Housing Provident Fund Loan, and confirms the application for portfolio loan if it meets the requirements after examination;
(2) The management center examines and approves the borrower's loan application;
(3) The guarantee company signs a loan guarantee contract with the borrower;
(4) The management center transmits the loan information to the entrusted bank;
(five) the entrusted bank and the borrower signed the "individual housing provident fund loan contract" and approved the commercial loan.
(6) The entrusted bank applies to the management center for loan, and the management center lends money.
Article 16 The monthly repayment amount of the portfolio loan shall not exceed 50% of the sum of the income of the borrower's husband and wife, and the income shall be comprehensively determined with reference to the depositor's housing provident fund deposit base, bank payroll and other materials.
Article 17 The borrower shall use the same bank account to repay the housing provident fund and the principal and interest of individual housing loans of commercial banks, and sign a loan receipt and entrusted repayment agreement with the entrusted bank, authorizing the entrusted bank to transfer the loan principal and interest that should be repaid on the monthly repayment date.
Article 18 The borrower shall provide the application materials for portfolio loan according to the requirements of the management center and the entrusted bank. The materials are the same as those required for housing provident fund loans. Except for 4 purchase contracts, 3 copies of other materials are provided for each item, which is subject to the website of Dezhou Housing Provident Fund.
Article 19 After the portfolio loan is approved by the management center and the entrusted bank, both parties shall agree on the date of lending.
Chapter VI Post-loan Management
Article 20 After a portfolio loan is issued, the borrower may choose to settle or repay part of the loan principal and interest in advance. If part of the loan is repaid in advance, it shall be repaid according to the amount or proportion agreed in the loan contract.
Article 21 After the borrower has settled the housing accumulation fund and the personal housing loan of the commercial bank, it shall apply to the real estate mortgage registration department for cancellation of the real estate mortgage registration according to the relevant procedures issued by the management center, the entrusted bank and the guarantee company.
Chapter VII Supplementary Provisions
Article 22 These Measures shall be implemented as of the date of promulgation.
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