Four changes make housing provident fund benefit more families?

Haikou, Hainan Daily, March 17 (Reporter Sun Hui correspondent Fan Jieke) On March 17, the Provincial Housing Provident Fund Administration issued the Notice on Restarting the Business of Converting Personal Commercial Housing Mortgage Loans to Housing Provident Fund Loans, and resumed the business of accepting personal commercial housing mortgage loans to housing provident fund loans. In order to ensure the orderly operation of the business, the Provincial Housing Provident Fund Administration also issued the Measures for the Administration of Personal Commercial Housing Mortgage Loans with Housing Provident Fund Loans in Hainan Province (hereinafter referred to as the "Administrative Measures") to answer relevant business questions. ?

The maximum loan amount is adjusted to 700,000 yuan?

It is understood that at present, the personal loan rate of housing provident fund in the province has dropped below the warning line of 85%, which can guarantee the deposit of housing provident fund loans just needed by employees and meet the needs of personal commercial housing mortgage loans to housing provident fund loans (hereinafter referred to as business-to-public loans). ?

Compared with the Interim Measures for Transferring Personal Commercial Housing Mortgage Loan to Housing Provident Fund Loan in Hainan Province issued on September 30th, 20 15, the Administrative Measures mainly changed in four aspects: loan object, loan amount, application materials and undertaking bank. ?

In the original "Interim Measures", the loan target is the employees who bought self-occupied housing in our province, but have not settled the mortgage loan of individual commercial housing, and paid the housing provident fund in our province before September 30, 2065438. The "Administrative Measures" were adjusted to purchase new commercial self-occupied housing in this province, and the housing provident fund for personal commercial housing mortgage loans was not settled. That is, employees who pay housing provident fund in our province (including compatriots from Hong Kong, Macao and Taiwan) and Hainan household registration employees who work in other provinces and pay housing provident fund normally. ?

The maximum loan amount in the original Interim Measures is 500,000 yuan, which does not exceed the original commercial loan balance. The "Administrative Measures" adjusted the maximum loan amount to 700,000 yuan, and did not exceed the original commercial loan balance. The specific loan amount is: the place where the house is purchased is Haikou, Sanya, qionghai city and Lingshui Li Autonomous County. The maximum loan amount for both husband and wife to deposit housing provident fund in our province for more than 6 months is 700,000 yuan, and the maximum loan amount for unilateral deposit is 500,000 yuan; The place where the house is purchased is other cities (counties). The maximum loan amount for both husband and wife to deposit housing provident fund in our province for more than 6 months is 500,000 yuan, and the maximum loan amount for unilateral deposit is 300,000 yuan. ?

The "Administrative Measures" cancelled the "Application Form for Converting Personal Commercial Housing Mortgage Loan to Housing Provident Fund Loan in Hainan Province", the proof of economic income or other proof of solvency provided by the borrower and his spouse. In the original "Interim Measures", the undertaking bank of the commercial-to-public loan and the original commercial loan bank must be the same commercial bank. ?

The "Administrative Measures" no longer restrict merchants from turning to public loan undertaking banks, and paid employees can choose independently among banks entrusted with housing provident fund loans. ?

Is the process simplified and the processing time limit clear?

There are five main operating procedures for handling corporate loans: accepting and examining, approving, settling the original loan, signing a contract, handling mortgage and applying for a loan. The "Administrative Measures" simplified the operation process and formulated the corresponding processing time limit. ?

The first is acceptance and audit. The borrower shall submit the application materials to the entrusted bank where the house is located. The entrusted bank shall, within 4 working days from the date of receiving the application materials submitted by the borrower, complete the audit and submit it to the directly affiliated administration. ?

The second is recognition. Within 2 working days from the date of receiving the loan information submitted by the entrusted bank, the directly affiliated administration bureau shall make a decision on whether to approve the loan and notify the borrower. ?

The third is to settle the original commercial loan. The borrower shall settle the original commercial loan and cancel the guarantee within 60 days from the date of approval. If the borrower fails to settle the loan and cancel the guarantee within the specified time, it shall re-submit the information to apply for the dealer to transfer the loan to the company. ?

The fourth is to sign a loan contract and apply for mortgage. The borrower signs a loan contract with the entrusted loan bank and cooperates with the entrusted bank to handle the mortgage formalities. ?

The fifth is to ask for money and issue loans. The entrusted bank shall, within 3 working days from the date of completion of the mortgage, apply to the directly affiliated administration for issuing loans. Within 2 working days from the date of receiving the loan application submitted by the entrusted bank, the directly affiliated administration will transfer the loan funds into the entrusted loan fund account of the entrusted bank. On the day when the entrusted bank receives the loan funds, it will transfer the loan funds into the collection account specified in the loan contract. ?

The Provincial Provident Fund Administration also suggested that three points should be paid attention to when commercial loans are transferred to public ownership. First, before the applicant transfers the loan to the public, the borrower should consult the original commercial loan bank whether it agrees to settle the loan in advance; When handling the business-to-business loan, the original commercial loan has not been settled; After approval, before the loan contract is signed, the original commercial loan will be settled with self-raised funds, and the guarantee will be cancelled; When signing a loan contract, the original certificate of immovable property rights should be provided for verification. ?

Second, the borrower must be the obligee specified in the certificate of immovable property right in the original commercial loan, and is not restricted by the borrower of the original commercial loan. ?

Third, the borrower's spouse should be the same borrower, and other holders of the immovable property certificate voluntarily choose whether to be the same borrower. * * * Be jointly and severally liable with the borrower to repay the loan transferred by the enterprise to the public.