Dalian Provident Fund Center gives a certain percentage of loan discount to employees who enjoy subsistence allowances. The specific procedures, application conditions, subsidy amount and other related matters are as follows:
I. Application conditions
The discount target is the housing provident fund loan workers who enjoy the minimum living guarantee for urban residents in Dalian. And shall meet the following conditions:
1. The house purchased is the only house of the borrower's family.
2, except for one of the following circumstances, the housing provident fund should be paid normally before applying for discount:
(1) Not re-employed after terminating the labor contract with the original work unit.
(2) retirement or death.
3. In principle, repay the principal and interest of individual housing provident fund loans on schedule before the discount application date.
Second, the handling requirements
In addition to providing the ID card, household registration book and marriage certificate of the borrower and his spouse, the following materials are required:
1, Dalian Individual Housing Provident Fund Loan Discount Application Approval Form, and fill in the front desk window;
2, "Dalian residents minimum living guarantee certificate" and minimum living guarantee passbook;
3, the borrower and his family members "Dalian housing registration information for the record certificate", issued by the housing transaction management department;
4. ID card, household registration book, marriage certificate and other related materials,
Third, the discount amount.
1. The discount rate is 80% of the interest expense (excluding penalty interest) of the housing provident fund loan during the period when the borrower enjoys the discount.
2. If the purchased house area does not exceed 90 square meters, the discount amount shall be calculated according to the actual loan amount. If the purchased house area exceeds 90 square meters, the discount amount shall be calculated according to the proportion of 90 square meters to the total house area. The calculation formula is as follows:
Preferential amount =90 square meters/purchased house area × interest expense during preferential period × 80%.
Fourth, the handling process
1. Borrower's application. The borrower applies for discount to the housing provident fund loan handling office with relevant materials during the discount application period.
2. Office of first instance. The loan handling office set up a discount review team composed of the director of the office, the director of the business department (branch) and the director of the accounting department (branch), and went to the borrower's housing location (residence), community and real estate registration department to investigate the borrower's family economic situation and housing situation, and put forward the preliminary examination opinions and submit them together with the discount application materials to the individual housing loan office. The probation period is 3 working days after the discount application period ends. If the preliminary examination fails, the office shall explain the reasons to the applicant and return the application materials.
3, personal housing loan review. The individual housing loan office shall review the discount application materials submitted by the office, issue audit opinions, and submit the approved discount application materials to the Central Discount Audit Committee. The review period is 3 working days after the end of the preliminary examination period. If the examination is unqualified, explain the reasons to the applicant through the office and return the application materials.
4. The discount review committee will review. The center has set up a discount review committee with the deputy director in charge as the head and the heads of the individual housing loan department, the policies and regulations department, the audit department, the planning and finance department and the accounting and settlement department as members, and convened a plenary meeting to review the discount application materials submitted by the individual housing loan department, and then reported them to the director of the center for approval.
5, director of the center for examination and approval. The director of the center examines and approves the discount application materials reported by the discount examination and approval committee.
6. Social propaganda. The center will publicize the list of special care recipients 1 week through the website, business halls of various offices and communities where the special care recipients live, and accept public supervision. If there is any objection, it shall timely verify the situation and make corresponding treatment, and cancel the preferential qualification for applicants who violate the regulations.
7. Issue discount interest funds. The center will distribute the discount funds to the borrower's personal bank account according to the publicized list of discount objects.
Verb (abbreviation of verb) application time limit
Discount business is accepted twice a year. The first seven working days in July of that year and June of the following year are the discount application periods, and the discount applications in the first half and the second half of that year are accepted respectively.
Location of application for intransitive verbs:
The office where the loan is located
Seven, office hours:
Local office: 8:30- 16:00
District, city and county offices: 8: 30-11:3013: 00-16: 00.
(The above answers were published on 2015-12-17. Please refer to the actual situation for the current purchase policy. )
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