Development materials: Shijiazhuang provident fund loan requirements
First, the housing provident fund loans are limited to paid employees who purchase the first set of self-occupied housing or the second set of improved self-occupied housing. It is not allowed to issue housing provident fund personal housing loans to paid employees who purchase third or above family housing. The determination of house type is based on the real estate inquiry certificate issued by the borrower and his spouse in the real estate registration center of the house purchase place and the work place, and combined with the housing loan situation in the personal credit report, the actual house type is comprehensively determined.
Two, on the basis of the five districts in the city to stop issuing housing provident fund loans in different places, the city will stop issuing housing provident fund loans in different places.
Three, the implementation of differentiated housing credit policy for loan applicants within one year of divorce. If there is no house under the name, the housing provident fund loan shall be implemented in accordance with the second set of self-occupied housing credit policy in the urban area; If there is a house under the name, it will be regarded as the purchase of the third and above houses of the family.
Four, strictly review the repayment ability of loan applicants. When examining the information such as the family income and deposit base of the purchaser, the loan applicant who has doubts about the deposit base may be required to provide supporting materials such as salary flow, pension insurance certificate and personal income tax payment certificate. If the relevant certification materials cannot be submitted, the personal loan center and the county (city, district) management department may reduce the loan amount or refuse the loan as appropriate.
Five, the loan applicant and his spouse, in the "personal credit report" put forward the application for housing provident fund loans within 24 months, personal loans, credit cards, quasi credit cards for three consecutive periods or accumulated more than six overdue records, or in accordance with the "Hebei Province Housing Provident Fund disciplinary management measures" provisions, that dishonesty and in the disciplinary period, shall not be issued housing provident fund loans; The loan applicant and his spouse, in the "personal credit report" has obvious dishonesty, depending on the seriousness of the case, reduce the loan amount or not to lend.
Six, the deposit unit should adjust the deposit base when paying the housing provident fund in July each year. The deposit base of housing provident fund is the average monthly salary of employees in the previous year (natural year). Total wages are calculated according to the provisions of the National Bureau of Statistics on the composition of total wages, and all units should ensure the authenticity and accuracy of the reported data. After the adjustment of the deposit base and proportion is passed, all units shall inform the employees themselves of the verification and accept the supervision of the employees.
Seven, the unit shall not pay housing provident fund for non employees; Human resources units shall not deposit housing provident fund for personnel who have nothing to do with their own personnel agents or labor dispatch, and the provident fund center shall have the right to verify the authenticity and accuracy of the unit's remittance.
Eight, deposit workers to provide false proof to defraud the housing provident fund or housing provident fund loans, in accordance with the "Hebei Province Housing Provident Fund disciplinary management approach", through procedures identified, included in the blacklist management of dishonesty, cancel its housing provident fund housing consumption extraction and loan qualification within five years, the management center should be ordered to return the withdrawal funds within a time limit or repay all the loan principal and interest in advance, and terminate the entrusted loan contract.