catalogue

First, the maximum loan amount.

Second, extend the repayment time of borrowers.

Third, the time of application materials

Four, the borrower shall determine the maximum application amount according to the monthly deposit amount of provident fund.

Five, the housing provident fund loan differentiation policy

Intransitive Verb Hedging Repayment Policy

Seven. Withdrawal and loan policy

First, the maximum loan amount.

In order to better support the housing needs of depositors, improve living conditions, enhance housing consumption capacity and promote the development of the real estate market in our state, the maximum loan amount for individual housing in our center has been increased from 300,000 yuan to 350,000 yuan since March 438+03, 1965. The maximum approval limit of personal loans under the jurisdiction of our center is 350,000 yuan, and the maximum approval limit of Longshan, Yongshun, Baojing, Huayuan, Fenghuang, Luxi and Guzhang counties is 250,000 yuan. More than 250 thousand yuan should be reported to the state center for approval.

Second, extend the repayment time of borrowers.

Since March 20 13, our center has extended the time for borrowers to repay loans, that is, the loan period of individual housing provident fund has been adjusted from the current 60-year-old male and 55-year-old female to 65-year-old male and 60-year-old female, but the maximum loan period of individuals has remained unchanged for 30 years. Enjoy the extension of the loan period of the first batch of state organs, institutions, state-owned enterprises (including central and provincial units in the state) in the staff. Where employees of non-public enterprises, urban individual industrial and commercial households and freelancers who participate in the housing provident fund deposit system in Quanzhou apply for provident fund loans, the longest loan period is still 60 years for men and 55 years for women. Among them, other provisions of our center on the loan term of urban individual industrial and commercial households and freelancers remain unchanged.

Third, the time of application materials

In 20 15, our center only accepted the loan application of the borrower for the purchase, construction and overhaul of the house in the current year, but did not accept the loan application for the purchase, construction and overhaul of the house in the previous year, which fully met the loan fund demand of the buyers in 20 15. See 20 15 main materials to be submitted for housing provident fund withdrawal and loan for the application materials to be submitted by the borrower.

Four, the borrower shall determine the maximum application amount according to the monthly deposit amount of provident fund.

In order to implement the fair principle of overpaying and loaning, paying less and loaning less, promoting depositors to pay the provident fund in full, and focusing on supporting the housing loan needs of employees of non-public enterprises, newly employed college students and outstanding talents, our center determines the maximum loan application amount according to the individual monthly deposit amount (including unit subsidies), which is divided into the following three types:

(1) The borrower is an organ, institution or state-owned enterprise.

1. Both the borrower and the spouse are depositors.

(1) If the monthly deposit of the borrower is lower than that of 200 yuan, the maximum application amount is 80,000 yuan; The borrower is willing to make up the monthly deposit in 200 yuan and repay it according to the loan approval period. The maximum application amount is 6,543,800 yuan+0.5 million yuan.

(2) If the monthly deposit of the borrower is not less than that of 200 yuan, and the sum of the monthly deposits with both spouses is less than 696 yuan, the maximum application amount of the borrower's family is 250,000 yuan.

(3) If the monthly deposit of the borrower is not less than that of 200 yuan and the sum of the monthly deposits of the borrower and spouse exceeds 696 yuan (inclusive), the maximum application amount is 350,000 yuan.

(4) If the sum of the monthly deposits made by one or both spouses of the borrower meets the application conditions of "the borrower is a unilateral depositor" in Item 2 of this paragraph, it can also be implemented in Item 2.

2. The borrower is the depositor unilaterally.

(1) If the monthly deposit of the borrower is lower than that of 200 yuan, the maximum application amount is 80,000 yuan; The borrower is willing to make up the monthly deposit in 200 yuan and repay it according to the loan approval period. The maximum application amount is 6,543,800 yuan+0.5 million yuan.

(2) If the borrower's monthly deposit is between 200 and 347 yuan, the maximum application amount is 200,000 yuan.

(3) If the borrower's monthly deposit is between 348 and 695 yuan, the maximum application amount is 300,000 yuan.

(4) If the monthly deposit amount of the borrower is above 696 yuan (inclusive), the maximum application amount is 350,000 yuan.

(2) The borrower is an employee of a non-public enterprise.

1. If the borrower's monthly deposit is insufficient 150 yuan, the maximum application amount is 80,000 yuan; The borrower is willing to make up the monthly deposit of 65,438+050 yuan and return it according to the loan approval period. The maximum application amount is 150 yuan.

2. If the borrower's monthly deposit is between 150-347 yuan, the maximum application amount is 300,000 yuan.

3. If the borrower's monthly deposit is higher than 348 yuan (inclusive), the maximum application amount is 350,000 yuan.

(3) The borrower is an individual industrial and commercial household or freelancer.

1. If the borrower's monthly deposit is between 348 and 695 yuan, the maximum application amount is 300,000 yuan.

2. If the borrower's monthly deposit is higher than 696 yuan (inclusive), the maximum application amount is 350,000 yuan.

The above provisions shall be implemented from 20 14 1+0.

Note: The loan amount applied by newly employed college students or outstanding talents is not affected by the monthly deposit amount of provident fund. That is, the National Housing Provident Fund Management Committee [2011] No.5 clearly meets the loan application conditions of "newly employed college students" (from 20 15 1, "newly employed college students" refers to full-time college students who graduated for five years before applying for loans) or "outstanding talents", among which

Five, the housing provident fund loan differentiation policy

In order to further implement the national policies and regulations on guaranteeing the first set of housing, restricting the second set of housing and prohibiting the application for the third set of housing loans, our center has implemented the differentiated housing provident fund loan policy since July 20 13, combined with the actual situation of housing provident fund loans in our state. On February 5, 20 14, the state people's government held a special meeting to study and decide to relax the differential policy appropriately. The policies currently implemented are as follows:

First, accept the loan application for the first time or within two times, and relax the loan application for the third time appropriately.

(a) the first application for provident fund loans, the implementation of the benchmark interest rate (including in the name of building or overhaul)

1. If the applicant applies for a loan with a house purchase contract (agreement) and participates in our center's real estate mortgage loan, if the construction area of the purchased ordinary self-occupied apartment is less than 90 square meters (inclusive), the down payment ratio of the loan shall not be less than 20%, and the maximum loan amount shall be 80% of the total house purchase price; If the construction area of Xing Tao is over 90 square meters, the down payment ratio of the loan shall not be less than 30%, and the maximum loan amount shall be 70% of the total purchase price. In the above two cases, if you can't participate in the mortgage loan of our center, you can only use the existing house as collateral, and the maximum mortgage value of the existing house is 70% of the assessed value.

2. Applicants who apply for housing loans with real estate licenses (obtained by purchasing real estate licenses) should use this house as collateral, and the assessed value is the total purchase price, with the maximum mortgage value of 70% and the maximum loan amount of 70%.

3. The applicant applies for housing loan, and the maximum loan amount is 70% of the total construction price. The "total construction price" is approved by our center and Changsha Yin Chang Guarantee Company according to relevant regulations. When handling the real estate license, the house should be mortgaged, and the maximum mortgage value is 70% of the assessed value; If you apply for a loan with two materials, Land Certificate and Construction Project Planning Permit, and use an existing house as collateral, the maximum mortgage value of the existing house is 70% of the assessed value.

(2) Apply for provident fund loan for the second time, and the loan interest rate will increase by 65,438+00% according to the benchmark interest rate for the same period (including the application in the name of building and overhaul).

1. If the applicant applies for a loan with a house purchase contract (agreement) and participates in the mortgage loan of our center's real estate, the down payment ratio of the loan is not less than 30% regardless of the construction area of the purchased ordinary self-occupied apartment, and the maximum loan amount is 60% of the total house purchase price. If you can't participate in the mortgage loan, you can only use the existing house as the mortgage, and the maximum mortgage value of the existing house is 60% of the assessed value.

2. When the applicant applies for a loan with a real estate license (obtained by purchasing a house), the house should be used as the mortgage, and the assessed value is the total purchase price, with the maximum mortgage value of 60% and the maximum loan amount of 60%.

3. The applicant applies for housing loan, and the maximum loan amount is 60% of the total construction price. The "total construction price" is approved by our center and Changsha Yin Chang Guarantee Company according to relevant regulations. When applying for real estate license, the house needs to be mortgaged, and the maximum mortgage value is 60% of the assessed value; If you apply for a loan with two materials, Land Certificate and Construction Project Planning Permit, and use the existing house as mortgage, the maximum mortgage value of the existing house is 60% of the assessed value.

4. The above maximum loan amount is 60% (the total price of houses purchased, built and overhauled), which will be implemented from 1, March 2065438.

(3) Appropriately relax the third loan application, and the loan interest rate will increase by 65,438+00% according to the benchmark interest rate for the same period (including nominal application for decoration, purchase and construction of houses).

1. Conditions for the third loan application

The borrower's house is damaged due to disasters (flood, fire or other irresistible factors).

2. Application time and main information

Time: within 6 months after the disaster.

Main information:

① In case of flood, the community where the house is located provides proof.

(2) in case of fire, the fire department where the house is located shall provide the accident appraisal report or community certificate.

(3) Other irresistible factors, and provide proof according to the actual situation.

3. Loan type

Applicants can apply for renovation loans according to damaged houses, and if they buy or build houses again, they can also apply for loans for buying and building houses.

4. Investigation and verification

The management department (sub-center) investigates and verifies the housing site and community, and forms an investigation report.

report

The management department (sub-center) will submit the application materials and investigation report to the fund operation section, and the center will review it.

6. Review loans

① Decoration loan, with the total decoration price of 1 1,000 yuan/m2× house area, and the maximum loan amount is the sum of 60% of the mortgage value of the house and the balance of the husband and wife's provident fund.

The purchase and construction of housing loans shall be handled in accordance with the provisions of the second paragraph of the preceding paragraph "applying for provident fund loans".

Second, the determination of the loan amount.

The number of times the borrower applies for provident fund loans is calculated according to the accumulated borrowing times of the borrower's family members, including the borrower himself, his spouse or fellow borrowers, and the borrowing times of family members are subject to the records of our business system.

Intransitive Verb Hedging Repayment Policy

After the borrower has repaid the provident fund loan for one year, he can apply for withdrawing the provident fund deduction loan (see the leaflet "Precautions for Monthly Hedging of Housing Provident Fund Loan" for details). If the sum of the monthly contributions of the borrower's husband and wife provident fund is greater than the monthly repayment amount, it shall be deducted according to the monthly repayment amount; If the sum of the monthly contributions of the borrower's husband and wife provident fund is less than the monthly repayment amount, it shall be deducted according to the sum of the monthly contributions.

Seven. Withdrawal and loan policy

Our center has always had corresponding regulations on the policies of withdrawal and withdrawal loans. On February 5, 20 14, 14, the state government held a special meeting to study and decide to implement two policies of withdrawal, withdrawal and loan for depositors who have never used the housing provident fund, increase the withdrawal amount and relax the applicants. The relevant policies are as follows:

First, extract

(1) If the application conditions for "purchase, construction, renovation and overhaul of owner-occupied housing" in Paragraph 6 of Article 3 of the Detailed Rules for the Administration of Extraction are met, it shall still be implemented according to the Detailed Rules for the Administration of Extraction.

(2) If the house has not been withdrawn since April 1 2007 (the house has not been purchased, built, renovated, overhauled or leased, and the principal and interest of the provident fund loan have not been repaid) and the loan is not available, and it meets the application conditions of the Center for purchasing, building, renovated or overhauled houses in the current period, it can be withdrawn in full (up to 100 yuan) according to the account balance. This article shall be implemented as of March 1 day, 1965.

Second, the loanable policy

(1) In 2065438+05, for employees who apply for provident fund loans for the first time, if the purchase area is less than 90 square meters (inclusive) and they meet the withdrawal conditions such as no withdrawal record within three years, the withdrawal loan policy will still be implemented, that is, the maximum withdrawal loan amount is 30% (but not more than 70% of the borrower's husband and wife provident fund balance), and the insufficient part will be loaned, and the withdrawal will be the sum of the loan amount.

(2) Borrowers who have not withdrawn (have not purchased, built, renovated, overhauled or leased their houses, and have not repaid the principal and interest of provident fund loans) since April 1 2007 and who meet the current application conditions of the Center for housing purchase, construction, renovation and overhaul, will also be subject to the policy of withdrawal and loan, that is, they can purchase houses (or build or renovate) at the maximum. This article shall be implemented as of March 1 day, 1965.

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