1. In recent years, with the rising housing prices, the economic pressure on military personnel to buy houses is great, and the problem of insufficient ability to pay is very prominent. Before the promulgation of the "Measures", military housing loans can only choose commercial loans, with few financing channels and heavy interest burden. The promulgation of the "Measures" has broadened the financing channels for military housing purchase and reduced the economic burden of housing purchase. Taking a loan of 400,000 yuan for 20 years as an example, commercial loans need to pay interest of 24 1.5 million yuan, while housing provident fund loans only need to pay interest of/kloc-0.44 million yuan, and the interest burden is reduced by 40%.
2. The Measures stipulate that officers, civilian cadres and non-commissioned officers who participate in the collection of military housing provident funds, as well as retired cadres and non-commissioned officers managed by the military, can apply for housing provident fund loans when purchasing housing. The qualification of loan personnel shall be examined and approved by the units at the corps level according to the loan control index issued by the headquarters, giving priority to the purchase of commercial housing, soldiers living in hard and remote areas and separated from each other, taking into account the borrower's rank, service life and other factors.
3. The "Measures" clarify that the main conditions for military personnel to apply for housing provident fund loans are: having a down payment fund of not less than the proportion stipulated by the state; The family has the ability to repay the loan principal and interest; Being able to provide loan guarantee in the prescribed way; Bought and lived.
4. Yes. The loan interest rate of military housing provident fund shall be implemented according to the loan interest rate of housing provident fund announced by the People's Bank of China, and adjusted accordingly.
5, military housing provident fund loans to implement quota management, personal loan limit in accordance with the provisions of the state housing provident fund loan ratio, generally not more than 400 thousand yuan; Where the people's government of the place where the house is purchased stipulates that the housing provident fund loan limit exceeds 400,000 yuan, it shall be implemented according to the limit stipulated by the people's government of the place where the house is purchased. The actual loan amount shall be determined by the cooperative bank within the limit approved by the military, according to the family repayment ability and personal credit rating.