Notice of the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China on Effectively Improving the Efficiency of the Use of Housing Provident Fund
Jinjian No.2015
All provinces, autonomous regions and municipalities directly under the central government, housing and urban-rural construction departments (commissions) and finance departments (bureaus), Xinjiang Production and Construction Corps Construction Bureau and Finance Bureau, branches and business management departments of China People's Bank, provincial capital city center branches and sub-provincial city center branches, municipalities directly under the central government, Xinjiang Production and Construction Corps housing provident fund management committee and housing provident fund management center:
Since the beginning of this year, all localities have implemented the spirit of the national video conference on strengthening the management of housing provident fund. In accordance with the Notice on Developing the Personal Housing Loan Business of Housing Provident Fund (Jian [20 14] 148), Notice on Relaxing the Conditions of Paying Rent by Housing Provident Fund (Jian [20 15] 19) and Issues Concerning the Personal Housing Loan Policy, However, in some areas, the conditions for the use of housing provident fund are still tense, the procedures are complicated, and the fund balance is large. In order to effectively improve the efficiency of the use of housing provident fund, in accordance with the regulatory requirements of the State Council on accelerating the implementation of the housing provident fund use policy, the relevant matters are hereby notified as follows:
First, increase the actual loan amount. 20 15 in districts and cities where the utilization rate of housing provident fund funds is less than 85% at the end of August, it is necessary to comprehensively consider the local housing price level, loan demand and borrower's repayment ability, and increase the actual amount of housing provident fund personal housing loans. On the premise of ensuring the borrower's basic living expenses, the upper limit of the monthly repayment amount to the monthly income is controlled at 50%-60%. The loan repayment period can be extended to 5 years after the statutory retirement age of the borrower, and the longest loan period is 30 years. Monthly transfer of housing provident fund to repay loan principal and interest.
Two, the use of the city's overall fund. Urban housing provident fund management centers and sub-centers in the same district shall unify the housing provident fund withdrawal and loan policies and make overall use of loan funds. If the loan funds of the housing provident fund management center or sub-center are insufficient, employees shall be allowed to apply for loans from the housing provident fund management institutions in the same city.
Third, broaden the channels for raising loan funds. Conditional cities should actively promote the securitization of housing provident fund personal housing loan assets and revitalize housing provident fund loan assets.
Four, the full implementation of remote loan business. Deposited employees who purchase houses outside the deposit place may apply for personal housing loans to the housing provident fund management center in the place where they purchase houses in accordance with the housing provident fund personal housing loan policy. The housing provident fund management center of the place of deposit and the place of purchase shall cooperate with each other, issue and confirm the deposit certificate and other materials in time, and handle the loan procedures. The specific measures shall be formulated separately by the Ministry of Housing and Urban-Rural Development.
5. Simplify business approval requirements. If the paid employees apply for housing provident fund personal housing loans and agree to calculate their monthly income according to the monthly payment of their housing provident fund, the unit does not need to issue a certificate of employee income. When paying the employee's rented commercial housing to apply for withdrawal of housing provident fund, there is no need to provide other supporting materials except the identity certificate and the proof that the employee and spouse have no housing.
Sixth, improve management efficiency and service level. Local housing provident fund management centers should optimize the internal staffing, increase the number of network personnel, and the salary is inclined to the network personnel. It is necessary to make full use of the advantages of the entrusted bank outlets, so as to facilitate the deposit workers to go through the procedures of housing provident fund withdrawal and loan nearby.
Seven, accelerate the transformation and upgrading of information systems. According to the needs of policy adjustment and process optimization, local housing provident fund management centers should speed up the transformation and upgrading of housing provident fund management information system, establish a comprehensive service platform integrating the functions of 12329 service hotline, SMS, WeChat, mobile phone APP and online business hall, promote online business, and provide efficient and convenient services for deposit workers.
Eight, the establishment of assessment accountability system. Housing provident fund supervision departments at all levels should strengthen the business assessment of urban housing provident fund management center, and take the utilization rate of housing provident fund funds or the market share of housing provident fund personal housing loans as an important assessment index, and the assessment results should be notified to the municipal people's government with districts, and serve as an important reference for the assessment of the person in charge of the housing provident fund management center. For cities with low utilization rate of housing provident fund funds or low market share of housing provident fund personal housing loans, the main person in charge of the housing provident fund management center should be interviewed and held accountable.
This notice shall be implemented as of October 8, 20 15/KLOC-0.
Ministry of housing and urban-rural development of the people's Republic of China
the ministry of finance of the people's republic of china
People's Bank of China
2065438+September 29, 2005
(The above answers were published on 20 15- 10-08. Please refer to the actual situation for the current purchase policy. )
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