Housing provident fund personal housing loan is an important way to improve the housing consumption capacity of paid employees, and it is also the basic rights and interests of paid employees. At present, the development of individual housing loan business of housing provident fund in different places is unbalanced, some cities are too strict on loan conditions, and the rate of housing loan issuance is low, which is below 85% in most places, which affects the legitimate rights and interests of paid employees and weakens the mutual assistance function of housing provident fund system.
Employees who have paid the housing provident fund in full for more than 6 months (inclusive) may apply for housing provident fund personal housing loans. If the housing provident fund has been deposited in a different place and it has been deposited in the current deposit place for less than 6 months, the deposit time can be calculated according to the deposit certificate issued by the housing provident fund management center of the original deposit place.
According to the current method, employees need to pay the housing provident fund 12 months in full before they can apply for housing provident fund loans. The notice will shorten the payment time to more than 6 months (inclusive). At the same time, for districts and cities where the personal housing loan issuance rate of housing provident fund is less than 85%, the relevant departments can appropriately increase the first set of self-occupied housing loans according to the local commodity housing price and per capita housing area, and increase the support for paid employees to purchase houses.
Legal basis: Regulations on the Management of Housing Provident Fund
Article 4 The management of housing provident fund shall follow the principles of decision-making by the housing provident fund management committee, operation of the housing provident fund management center, special account storage and financial supervision.
Seventh the State Council municipal construction administrative departments in conjunction with the the State Council municipal finance department, the people's Bank of China to develop housing provident fund policy, and supervise the implementation.
Eighth municipalities directly under the central government, provinces and autonomous regions where the people's government is located and other cities divided into districts (prefectures and leagues) shall set up housing provident fund management committees as decision-making bodies for housing provident fund management. Among the members of the Housing Provident Fund Management Committee, responsible persons and relevant experts from the people's government, construction, finance, People's Bank and other relevant departments account for 1/3, trade union representatives and employee representatives account for 1/3, and unit representatives account for 1/3.