Legal basis: Implementation Opinions of Nanyang Municipal People's Government on Promoting the Stable and Healthy Development of the Real Estate Market.
Three, relax the housing provident fund loans and housing provident fund extraction conditions
(1) Relax the loan conditions. Employees who have paid the housing provident fund in full for more than 6 months (inclusive) may apply for individual housing loans from the housing provident fund; Deposited employees use housing provident fund loans to purchase the first set of ordinary self-occupied housing, and the minimum down payment ratio is adjusted from 30% to 20%; Deposited employees have a set of housing confirmed by the housing management department and have used personal loans from housing provident fund. After the corresponding loan is settled, those who purchase a second set of ordinary self-occupied housing in order to improve housing conditions can continue to apply for personal loans from housing provident fund, with a minimum down payment ratio of 30% and the first home loan interest rate. Family members of paid employees include: loan applicants, spouses of loan applicants and minor children. Parents buy houses for minor children, and apply for housing provident fund personal housing loans with proof of the relationship between parents and children (household registration book and household registration certificate). The time limit for applying for a loan, if an employee newly purchases a self-occupied house, will be relaxed from 1 year to less than 3 years from the date of signing the purchase contract; The purchase of second-hand houses will be relaxed to less than 2 years within half a year from the date of issuing deed tax tickets or real estate licenses; The construction and renovation of self-occupied housing will be relaxed from 1 year to less than 2 years from the date of issuance of any valid certificate of construction project planning permit or construction project construction permit.
(two) increase the maximum loan amount of provident fund. The maximum amount of provident fund loans will be raised from 400,000 yuan to 500,000 yuan; The maximum loan period is 30 years, and the repayment age can be extended to 5 years after the statutory retirement age; The purchase of housing with two-star operation signs and above "green" buildings can increase the loan amount by 20% on the basis of the approved amount.
(3) Relax the extraction conditions. Deposited employees (including immediate family members) who purchase self-occupied housing at the place of employment and domicile can apply for withdrawal of housing provident fund to pay the purchase price or loan principal and interest within five years by virtue of the purchase contract or house ownership certificate, or withdraw the housing provident fund of their spouses, parents and children.
(4) Improve the way of joint insurance loans for employees. The joint loan for employees is guaranteed by 1 ~ 3 employees, and the sum of the balance of provident fund paid by the borrower, spouse and guarantor accounts for 20% of the loan amount applied for by 35%; Cancel the restriction that the guarantor is not allowed to make loans, allow the guarantor to make loans, and keep the stipulation that the guarantor is not allowed to withdraw personal account provident fund during the guarantee period.
(five) actively promote the loan business in different places. Employees who have paid housing provident fund for employment in different places, who have the household registration in our city and buy self-occupied housing within the jurisdiction, can apply for individual housing provident fund loans to the housing provident fund management center of our city by the proof of payment issued by the housing provident fund management center of the place of employment. According to the detailed rules for the implementation of the loan business in different places of Nanyang Housing Provident Fund Management Center.
(6) Accelerate the exploration of portfolio loan business. Exploration on accelerating cooperation with banking financial institutions to develop portfolio loan business. When the paid employee's application for personal housing provident fund loan is insufficient to pay the purchase price, he can apply for commercial personal housing loan from the entrusted bank, and the entrusted bank will issue loans to the paid employee by combining personal housing provident fund loan and commercial personal housing loan.