1. When applying for a loan, the loan applicant should continuously deposit the housing provident fund for more than half a year (inclusive) and his housing provident fund account is in a normal deposit state;
2. Retirees have paid housing provident fund before retirement;
3. The loan applicant must be qualified to buy a house in Beijing;
4. If the loan applicant (including the same applicant, the same below) 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;
5. Anyone who does not belong to the first suite and is approved as the second suite shall be handled according to the second suite loan policy.
6. If there are two or more houses approved, no loans will be granted.
Loan amount:
If the deposit term is less than 1 a whole year, the maximum loan can be 1 0.2 million according to1a whole year.
If the loan applicant is married, the loan amount shall be calculated by the long-term paying spouse.
Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.
20 1 1 The Ministry of Housing and Urban-Rural Development, together with other departments, is studying the revision of the provident fund regulations and liberalizing the provision that individuals withdraw the provident fund to pay housing rent. 20 13 some cities have introduced measures to allow employees suffering from major diseases or their immediate family members to withdraw provident fund for emergency. 20 14 Three departments issued a document to cancel the housing accumulation fund, individual housing loan insurance, notarization, new house evaluation and compulsory agency guarantee, so as to reduce the burden on loan workers. The Regulation on the Management of Housing Provident Fund in 20 15 stipulates that the contribution ratio of employees and units' housing provident fund shall not be lower than 5% and not higher than 12%. From February 2, 2006 to February 0, 2006, the deposit interest rate of employee housing provident fund account was adjusted to be based on the one-year fixed deposit benchmark interest rate, and the increased interest rate was 1.50%.
On September 7th, 20 18, Beijing adjusted the housing provident fund personal housing loan policy, with an annual loan of 654.38+million yuan, with a maximum loan of 12 million yuan. 20 19123 October 19 housing provident fund withdrawal business did not submit a paper withdrawal application.