1. Have full capacity for civil conduct and have permanent residence or valid residence status in Tai 'an Town.
Two, with a stable professional income, good credit, the ability to repay the loan principal and interest.
Three, as of the application for loans, housing provident fund has been paid in full for more than 6 months.
Four, the applicant must buy self-occupied housing, and the nature of the land is the transfer of residential land, must have a purchase contract according to law.
5. The applicant agrees to use the purchased house or other property with property rights as collateral, or securities as pledge, or guarantor or guarantee company as joint and several liability guarantee.
6. For applicants who purchase existing houses, forward houses, second-hand houses and affordable houses, the down payment shall not be less than 30% of the total price of the houses purchased, among which: the down payment ratio for houses below 90 square meters shall not be less than 20%; The down payment of the applicant who purchases the house to be demolished shall not be less than 30% of the difference of the demolition contract.
Seven, workers paid in full housing provident fund for more than 6 months (inclusive), you can apply for housing provident fund personal housing loans.
Eight, the deposit of housing provident fund in different places and the deposit is less than 6 months, the deposit time can be calculated according to the deposit certificate issued by the original deposit housing provident fund management center.
Nine, paid families use housing provident fund loans to buy the first set of ordinary self-occupied housing, the minimum down payment ratio is 20%; Workers' families who own 1 house and have settled the corresponding housing loans, in order to improve their living conditions, apply for housing provident fund loans again to buy ordinary self-occupied houses, with a minimum down payment ratio of 30%.
The applicant, his spouse and guarantor agree to authorize the inquiry of personal credit status in the basic database of personal information of the People's Bank of China. Those with bad credit records or large outstanding debts may not apply for provident fund loans.
How does Taian withdraw housing accumulation fund?
1. When employees rent commercial housing to apply for housing provident fund, they need to provide proof of identity and marital status (marriage certificate, divorce certificate or no complete declaration of marriage). My spouse and I have no property certificate at the place where the provident fund is paid, and no other materials are needed.
2. The scope of the withdrawal amount of the house purchase includes the house purchase price, garage, parking space, storage room, supporting houses, deed tax paid, maintenance funds and other expenses.
3. Employees who buy houses in other places and have not applied for provident fund personal housing loans can also withdraw their own, spouse, parents and children's provident fund at one time within 3 years after obtaining the registered online shopping contract and payment receipt.
4. Those who apply for personal provident fund loans can withdraw the provident fund of employees and their spouses in one lump sum within 1 year after obtaining the down payment voucher for house purchase, and the withdrawal amount shall not exceed the down payment amount for house purchase.
5. If employees pay property management fees, utilities, parking fees, etc. , cannot be divided on the same invoice (receipt), and can be extracted according to the total amount.
6. If the housing provident fund loan is overdue for 3 consecutive times (inclusive) or more within one year, it cannot be repaid this year; Those who have been overdue for 3 times or less in a year, but have paid in full, can apply for repayment this year.
7. Family members suffering from 25 kinds of chronic diseases listed in the Notice on Unifying the Management of Chronic Diseases in Outpatients of Basic Medical Insurance in the City (Tae In Shefa [2012] No.61), patients and their spouses can provide a statement of overall expenses of basic medical insurance for urban workers within 3 years, and the balance of provident fund can be fully extracted; If the balance is insufficient for medical expenses, the provident fund of other family members may be withdrawn, and the accumulated withdrawal amount shall not exceed all the medical expenses listed in the Settlement Table of Overall Expenses of Basic Medical Insurance for Urban Employees.
8. Sort out the deposit status of enterprises. For those enterprises that have stopped paying wages due to bankruptcy and restructuring, and their employees have also been placed in a sealed state, we must pay close attention to contact and do a good job in cleaning up.
9. Identify the marital status of employees in the following ways: married people provide marriage certificates or household registration books, divorced people provide divorce certificates, and unmarried people sign personal marriage integrity statements. The way to identify the family relationship of employees is as follows: based on the household registration information, if the information is incomplete or not changed in time, provide the unit or community certificate.
10. Cancel the audit of the employees who withdraw the provident fund. Employees can go directly to the provident fund service hall with their identity certificates, bank cards and related materials without the seal of the unit.
1 1. Reduce the approval process of central provident fund withdrawal, and simplify it from the three-level approval of hall acceptance window, section chief and central leader to the two-level approval of hall acceptance window and section chief, and directly transfer to financial transfer after approval.
12. Simplify the electronic scanning of house purchase contracts and bank loan contracts, and only scan the first page of the contract and the contents including the house address, house purchase amount, signing time and signatory's signature information.
13. When determining the repayment amount, it is changed from manual calculation to automatic generation by microcomputer system.
14. Optimize the system extraction approval process, and realize the streamline operation of extraction approval and fund transfer in the system without batch processing, effectively shortening the processing time limit.
15. If it meets the extraction conditions, it should be handled quickly. If employees think that the policy is unclear, the policy coverage is incomplete, the policy terms are controversial, and there are other special circumstances, they should ask for instructions in time and submit them to the Central Support Committee for study if necessary. Audit meetings will be held regularly, or at any time according to the materials submitted.
16. standardize the service of provident fund hall and improve the service level. Clear paper, business guide, policy brochure and other publicity materials should be placed in the service hall, and the electronic display screen should scroll the provident fund policy. In case of policy adjustment, policy information should be updated in time. The lobby staff should be warm-hearted, friendly and civilized, and the lobby security personnel should actively maintain the order of the lobby and take the initiative to lead the business.
17. When employees apply for house purchase withdrawal, the staff at the withdrawal window should take the initiative to ask whether to apply for a loan; When employees apply for housing loans, the loan window staff should take the initiative to inform them that they can first withdraw and then apply for loans.
18. Card reading equipment is added to the front window of the service hall, and the employee's bank card information is quickly transmitted to the bank after reading, so that the bank card information can be automatically checked and directly transferred.
19. define job responsibilities, rationally allocate personnel and avoid duplication of work; Optimize procedures, simplify procedures and shorten processing time.
20. Strengthen study and training, keep abreast of policy changes, and constantly improve work ability. If you are uncertain about the policy, you should ask for instructions and report in time to keep the policy consistent.
2 1. Intensify publicity, widely publicize the policies on the deposit and use of provident fund through newspapers, television, radio, internet and other news media, and timely release information on policy adjustment to further expand the influence of the provident fund system.
22. Strengthen information checking. If it is found that false information is provided, the parties concerned shall be seriously investigated for responsibility, and the allocated funds shall be recovered. If the case constitutes a crime, it shall be transferred to judicial organs for handling.
23. Strengthen internal audit supervision. If any business violation is found, relevant personnel will be held accountable according to relevant regulations of the Center.
24. A series of original extraction policies have been formulated. If this document has not been changed, it will still be implemented according to the original regulations; This adjustment should be implemented as soon as possible, and relevant policies should be well connected.