According to the specific contents of the Notice, in order to further strengthen the management of housing provident fund personal housing loans, it is of utmost importance to do a good job in the management of housing provident fund personal housing loans and to prevent and resolve personal loans overdue risks. It is necessary to change the overdue management of individual housing loans from housing provident fund to loan management, and take loan management as a key area.
It is necessary to approve loans one by one and entrust banks to handle loan procedures one by one. The loan funds shall be transferred to the account opened by the seller or the building or repairing contractor in the bank, and shall not be directly transferred to the borrower's account or paid to the borrower in cash.
All centers should constantly explore and improve the risk supervision means of individual housing loans for housing provident fund, make full use of the electronic inspection tools of housing provident fund, give full play to the accurate early warning function of electronic inspection information, comprehensively carry out policy implementation inspection and risk hidden danger investigation, closely monitor the risks in loans overdue, and deeply find high-risk points.
Each center should study and establish a long-term mechanism for risk prevention and control from the aspects of implementing the responsibility for risk prevention and control, establishing supporting systems and mechanisms, and improving risk prevention and control measures. It is necessary to further simplify the loan processing procedures and shorten the loan processing cycle.
In addition, according to the new media, by the end of 20021,the accumulated housing accumulation fund in Henan province was 722.550 billion yuan, the accumulated amount of housing accumulation fund personal housing loans was 423.599 billion yuan, the balance of personal housing loans was 2590.4 1 billion yuan, and the individual housing loans overdue was 8119.66.