First, the identification of no self-owned housing
In Beijing, applicants and their spouses are not allowed to own any form of housing, including commercial housing, affordable housing and price-limited housing. At the same time, for the housing that has been sold or donated, if the applicant has not gone through the transfer procedures when purchasing the current housing, the housing is still regarded as the owner-occupied housing under the applicant's name.
Second, the identification of ordinary self-occupied housing
The identification of the first suite also needs to consider whether the housing purchased by the applicant is an ordinary self-occupied housing. Ordinary owner-occupied housing generally refers to housing with moderate area and reasonable price, which can meet the living needs. In Beijing, the specific identification criteria may be adjusted according to the local real estate market.
Third, the influence of marital status
The marital status of the applicant will also have an impact on the identification of the first suite. If the applicant is married, the housing situation of his spouse will also be taken into account. If the applicant is unmarried, divorced or widowed, only the applicant's own housing situation needs to be considered.
In addition, it should be noted that the criteria for determining the first suite of Beijing provident fund may be adjusted with the change of policies, so it is best for applicants to know the latest local policies and regulations before applying for provident fund loans.
To sum up:
The criteria for determining the first suite of Beijing Provident Fund are mainly based on the housing situation of the applicant's family in Beijing and the applicant's marital status. Applicants need to ensure that they and their spouses do not own their own houses in Beijing, and the houses they buy are ordinary self-occupied houses before they can be recognized as the first suite. At the same time, applicants need to pay attention to policy changes to ensure that they meet the latest certification standards.
Legal basis:
Measures of Beijing Municipality on the Administration of Housing Provident Fund Deposit
Article 13 stipulates:
Workers who purchase, build, renovate or overhaul their own houses and do not use housing loans can withdraw housing provident fund once a year, and the total amount of withdrawal shall not exceed the actual housing expenditure.
Measures of Beijing Municipality on the Administration of Housing Provident Fund Loans
Article 4 provides that:
A borrower applying for a loan shall meet the following conditions:
1. Having a legal and valid identity;
(2) Having full capacity for civil conduct;
(3) Having a stable occupation and income, good credit status and the ability to repay the principal and interest of the loan;
(four) the purchase, construction, renovation, overhaul occupied housing;
(five) with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related documents;
(six) in line with the provisions of the client on the deposit conditions of the loan housing provident fund;
The loan applicant must establish a housing provident fund account for more than 65,438+02 months (inclusive), and pay the housing provident fund in full for more than 65,438+02 months (normal payment includes continuous monthly payment, advance payment and supplementary payment of housing provident fund), and be in the state of payment when applying for a loan.
The employees of the unit that has been approved by the center to postpone payment can apply for a loan if they have established a housing provident fund account 12 months or more and paid the housing provident fund in full 12 months or more.
(7) Providing guarantees recognized by customers;
(eight) the borrower and his wife have no outstanding housing provident fund loans and housing provident fund policy discount loans;
(9) It meets other conditions stipulated by the client.