One. Policy background
In recent years, the staff flow in the Pan-Pearl River Delta region is frequent. There are a large number of employees who pay housing provident fund in the Pan-Pearl River Delta region, and they have a strong desire to buy houses, so they need to apply for housing provident fund personal housing loans. Since March this year, our city released the loans for individual housing in different places in Chengdu and Chongqing, the housing accumulation fund has generally operated well. Now we have the conditions and basis to gradually release the loans for individual housing in different places to a wider area.
In May this year, the Office of the Leading Group for Talent Work in Zunyi City issued the Measures for the Implementation of the Green Card System for Talent Service in Zunyi City (Trial). In order to further optimize the talent service guarantee system and ensure the housing demand of imported talents, it is proposed that the policy of individual housing loans for imported talents to apply for housing provident fund can be appropriately relaxed.
In order to give full play to the role of the housing provident fund system, support the housing purchase of employees who have paid in Zunyi household registration in the Pan-Pearl River Delta region, and introduce high-level talents to our city to purchase houses, and further optimize the policy of housing provident fund extraction and use, the Zunyi City Housing Provident Fund Management Committee decided to adjust the relevant policies of our city through research at the second meeting of 202/kloc-0.
Second, the policy content and formulation basis
(1) Policy 1
Policy content: Expand the support scope of housing provident fund for individual housing loans in different places. Expand the support scope of housing provident fund off-site personal housing loans from Guizhou, Sichuan and Chongqing to the Pan-Pearl River Delta region (including Yunnan, Hunan, Guangxi, Guangdong, Jiangxi, Fujian and Hainan provinces), that is, Zunyi registered employees who have paid the housing provident fund in full in the Pan-Pearl River Delta region can apply for housing provident fund off-site personal housing loans when buying a house in our city.
Formulation basis: Notice of Ministry of Housing and Urban-Rural Development, Ministry of Finance and People's Bank of China on Launching Personal Loan Business of Housing Provident Fund (Jian Jin [2014]148) on Promoting Off-site Loan Business.
(ii) Policy II
Policy content: provide housing provident fund loan policy support for imported high-level talents. The high-level talents introduced by each unit have the conditions to apply for housing provident fund loans from the month when they pay the housing provident fund. Appropriately relax the maximum amount of housing provident fund loans, up to 600,000 yuan (regardless of single and double employees), and the loan housing is not limited by area and housing category. The identification of the introduction of high-level talents shall be carried out in accordance with the relevant provisions of the Zunyi Talent Work Leading Group.
Formulation basis: The relevant provisions on the conditions for the introduction of high-level talents to apply for housing provident fund loans and the maximum amount of housing provident fund loans in the Measures for the Implementation of Housing Security for Introducing High-level Talents in Guizhou Province (Trial) (Ren Qian Linfa [2013] No.6) by the Leading Group for Talent Work in Guizhou Province.
The third is policy interpretation.
Interpretation 1: Who is the beneficiary of this policy adjustment?
A: The beneficiaries of Policy 1 are employees whose husband and wife have Zunyi household registration and pay housing provident fund in Pan-Pearl River Delta region; The beneficiary group of the second policy is to introduce high-level talents into our city and pay employees' salaries.
Interpretation 2: What are the requirements for housing provident fund deposit?
A: The personal account of Zunyi household registration in the Pan-Pearl River Delta region is normal and the housing provident fund has been paid in full for more than 6 months (inclusive). It is normal for the introduced high-level talents to enter the personal account of employee housing provident fund, and there is a remittance record of at least 1 month.
Interpretation 3: Anyone who buys a house in any county (city, district) of Zunyi City can apply for housing provident fund and personal housing loan in different places, and can enjoy the policy support of introducing high-level talents into personal housing loan?
A: Yes.
Interpretation 4: What is the longest loan term?
A: The maturity date of the loan is relaxed to 5 years after the statutory retirement age, but the longest loan period is not more than 30 years.
Interpretation 5: What is the maximum loan amount?
A: Employees in Pan-Pearl River Delta registered in Zunyi apply for housing provident fund and personal housing loans to buy unfinished houses in our city. The maximum loan amount for a single employee is 400,000 yuan, and the maximum loan amount for a dual employee is 500,000 yuan. The maximum loan amount for purchasing a finished house in the main city of our city is: 450,000 yuan for a single employee and 550,000 yuan for a double employee. The maximum loan amount paid to employees by introducing high-level talents in our city is 600,000 yuan (regardless of single and double employees).
Interpretation 6: How to judge the repayment ability?
Answer: 1. If the portfolio loan is not handled, the sum of the monthly repayment amount of the housing provident fund loan and the monthly repayment amount of the bank debt shall not be higher than 60% of the borrower's family income;
2. If a portfolio loan is needed, the sum of the monthly repayment amount of the housing provident fund loan and the monthly repayment amount of the bank debt shall not be higher than 50% of the monthly income of the borrower's family;
3. The monthly income of the borrower's family refers to the sum of the deposit base of the housing provident fund of both husband and wife and the monthly deposit amount of the unit.
Interpretation 7: What are the repayment methods?
Answer: Equal principal and interest, average capital.
Interpretation 8: What application materials are needed?
Answer: 1. Apply for the purchase of new owner-occupied housing loans need to provide the following materials:
(1) Original and photocopy of down payment receipt and down payment voucher (POS credit card receipt or bank transfer voucher, remittance voucher, etc.). , and the payment time specified in the down payment voucher should be before the filing and registration date (inclusive). The household registration book of both husband and wife, the borrower's bank card (passbook) and the marriage certificate (marriage certificate, divorce certificate, single statement and judgment) are all 1 copy.
(2) The original ID cards of both husband and wife, credit report, purchase contract, registration form for filing, and current housing registration form stamped by the real estate management department;
(3) Proof of deposit of housing provident fund at the place where the husband and wife paid, proof of registration of housing at the place of deposit and the place of work, proof of whether there is a housing provident fund loan provided by the deposit center, whether the housing provident fund loan has been paid off, and the number of housing provident fund loans.
2 to apply for the purchase of a re-traded housing loan, the following materials are required:
(1) After the transfer, the certificate of immovable property rights, general VAT invoice (the invoice should reflect the transaction price of the house), down payment receipt, down payment voucher (POS machine credit card receipt or bank transfer voucher, remittance voucher, etc.). , and the payment time specified in the down payment certificate should be before the transfer date (inclusive) specified in the immovable property certificate), the husband and wife's household registration book, the borrower's bank card (passbook) and the marriage certificate (marriage certificate)
(2) The original ID cards of both husband and wife, the credit report, the house sales contract or agreement, and the current house registration form stamped by the real estate management department; Copy of the seller's ID card and bank card (passbook);
(3) Proof of deposit of housing provident fund at the place where the husband and wife paid, proof of registration of housing at the place of deposit and the place of work, proof of whether there is a housing provident fund loan provided by the deposit center, whether the housing provident fund loan has been paid off, and the number of housing provident fund loans.
In addition to the above materials, we also need to provide a green card for talent service or relevant certificates issued by high-level talent management departments to apply for loans.
Interpretation 9: How to apply?
Answer: The applicant applies at the counter of the entrusted bank where the loan is made with the application materials.
Interpretation 10: When will the policy be implemented?
A: From 202 1 65438+February1.
Legal basis:
Regulations on the Management of Housing Provident Fund Article 1 These Regulations are formulated for the purpose of strengthening the management of housing provident fund, safeguarding the legitimate rights and interests of owners of housing provident fund, promoting urban housing construction and improving the living standards of urban residents.