(a) employees who have purchased, built, renovated or overhauled the same set of ordinary self-occupied housing, and have applied for the withdrawal of housing provident fund, shall not be granted personal housing provident fund loans (those who purchase self-occupied housing for the first time are not subject to this restriction).

(two) workers who have not paid the housing provident fund in the provincial provident fund center shall not issue personal housing provident fund loans.

(3) The supplementary provisions to the original differentiated loan policy are: if the employee's family has no house at present, but has written off the house twice, the second home loan policy will be implemented, with the down payment of not less than 50% and the interest rate rising10%; Workers' families have a set of housing, and there are two housing cancellation records. When they buy housing again, they will no longer issue personal housing provident fund loans; Workers' families have three or more housing cancellation records, and when they buy housing again, they will no longer issue personal housing provident fund loans.

(four) employees apply for the use of housing provident fund loans, the loan amount is calculated according to the employee housing provident fund deposit period and deposit amount, but the maximum shall not exceed 500 thousand yuan. The calculation formula is: loanable amount = (monthly deposit amount of housing provident fund × 12× future deposit period+personal account balance of housing provident fund) × 2; If the loanable amount is less than 200,000 yuan, the maximum loan amount of housing provident fund shall be approved by 200,000 yuan. If an employee applies for a loan when buying a house for the first time, the amount can be increased by 20% on the basis of this calculation.

(5) The wage income of the borrower and spouse is calculated and determined according to the deposit base of employee housing provident fund (if the borrower's spouse has a job but fails to pay the housing provident fund, the wage income is determined according to the social security payment base, and the social security payment certificate is provided).

This notice shall be implemented as of the date of promulgation. In case of any inconsistency between the provisions of the Measures for the Administration of Individual Housing Provident Fund Withdrawal of Provincial Units in Hunan Province (Xiang Zi Guan [20 13] 1No.) and the Measures for the Administration of Individual Housing Provident Fund Loans of Provincial Units in Hunan Province (Xiang Zi Guan [2012] No.20) and this notice, the provisions of this notice shall prevail. If the loan information has been accepted (entered into the system) before the implementation of this notice, it shall be implemented according to the original provisions.

Legal basis:

Notice of Hunan Housing Provident Fund Management Center on Adjusting Housing Provident Fund Withdrawal and Loan Policies

The first is to adjust the housing provident fund withdrawal policy.

Employees (including husband and wife, the same below) who have applied for housing provident fund loans for the purchase, construction, renovation and overhaul of their own houses cannot withdraw housing provident fund (those who purchase their own houses for the first time are not subject to this restriction).

Two, adjust the individual housing provident fund loan policy

(a) employees who have purchased, built, renovated or overhauled the same set of ordinary self-occupied housing, and have applied for the withdrawal of housing provident fund, shall not be granted personal housing provident fund loans (those who purchase self-occupied housing for the first time are not subject to this restriction).

(two) workers who have not paid the housing provident fund in the provincial provident fund center shall not issue personal housing provident fund loans.

(3) The supplementary provisions to the original differentiated loan policy are: if the employee's family has no house at present, but has written off the house twice, the second home loan policy will be implemented, with the down payment of not less than 50% and the interest rate rising10%; Workers' families have a set of housing, and there are two housing cancellation records. When they buy housing again, they will no longer issue personal housing provident fund loans; Workers' families have three or more housing cancellation records, and when they buy housing again, they will no longer issue personal housing provident fund loans.

(four) employees apply for the use of housing provident fund loans, the loan amount is calculated according to the employee housing provident fund deposit period and deposit amount, but the maximum shall not exceed 500 thousand yuan. The calculation formula is: loanable amount = (monthly deposit amount of housing provident fund × 12× future deposit period+personal account balance of housing provident fund) × 2; If the loanable amount is less than 200,000 yuan, the maximum loan amount of housing provident fund shall be approved by 200,000 yuan. If an employee applies for a loan when buying a house for the first time, the amount can be increased by 20% on the basis of this calculation.

(5) The wage income of the borrower and spouse is calculated and determined according to the deposit base of employee housing provident fund (if the borrower's spouse has a job but fails to pay the housing provident fund, the wage income is determined according to the social security payment base, and the social security payment certificate is provided).

This notice shall be implemented as of the date of promulgation. In case of any inconsistency between the provisions of the Measures for the Administration of Individual Housing Provident Fund Withdrawal of Provincial Units in Hunan Province (Xiang Zi Guan [20 13] 1No.) and the Measures for the Administration of Individual Housing Provident Fund Loans of Provincial Units in Hunan Province (Xiang Zi Guan [2012] No.20) and this notice, the provisions of this notice shall prevail. If the loan information has been accepted (entered into the system) before the implementation of this notice, it shall be implemented according to the original provisions.