Beijing provident fund loan policy: employees who have paid housing provident fund in Beijing can apply for housing provident fund personal loans if they buy self-occupied housing in Beijing and meet the deposit conditions, and both husband and wife have no outstanding housing provident fund personal loans and housing provident fund policy discount loans. Among them, the deposit of housing provident fund must meet one of the following three conditions: (1) If you purchase policy-oriented housing, you should establish a housing provident fund account for more than 12 months (inclusive), and pay in full for 6 months before applying for a loan, and you are in the state of payment when applying for a loan. (2) If you purchase non-policy housing, you should set up a housing accumulation fund account for more than 12 months (inclusive), and deposit it in full for 12 months before applying for a loan, and it is in the state of deposit when applying for a loan. (3) Retired employees who have paid housing provident fund in the management center during their work can also apply for provident fund loans. "Regulations on the Management of Housing Provident Fund" Article 8 The cities where the people's governments of municipalities directly under the central government, provinces and autonomous regions are located and other cities divided into districts (prefectures and leagues) shall set up housing provident fund management committees as decision-making bodies for housing provident fund management. Among the members of the Housing Provident Fund Management Committee, responsible persons and relevant experts from the people's government, construction, finance, People's Bank and other relevant departments account for 1/3, trade union representatives and employee representatives account for 1/3, and unit representatives account for 1/3. The director of the housing provident fund management committee shall be a person with social credibility. "Regulations on the Management of Housing Provident Fund" Employees may withdraw the storage balance in the housing provident fund account under any of the following circumstances: 1, purchase, build, renovate or overhaul their own houses; 2. Retired; 3, completely lose the ability to work, and terminate the labor relationship with the unit; 4. Go abroad to settle down; 5. Repay the principal and interest of the owner-occupied housing loan; 6. renting a house for self-occupation; (Employees and their spouses who have no own houses in Beijing and rent public rental houses or commercial houses can withdraw the housing provident fund to pay the rent. ) 7, life is difficult, is receiving urban subsistence allowances; 8. Encountering unexpected events, causing serious difficulties in family life; 9, migrant workers and units to terminate the labor relationship; 10, has been sentenced, sentenced or reached the statutory retirement age of the country at the expiration of his term of office; 1 1, dead or declared dead; If an employee withdraws the housing provident fund in accordance with Article 4 of these Measures (1, 5, 6, 7 and 8), his spouse may withdraw the housing provident fund from his account at the same time.
Beijing housing provident fund loan
Beijing provident fund policy is:
First, when applying for housing provident fund loans, "recognize housing and loan".
Two, the implementation of the loan amount and the loan applicant housing provident fund deposit period linked. In order to reflect the fairness and justice of the system, the loan can be 6,543,800 yuan per year. If the deposit period is less than 654.38+ 0, the maximum loan can be 6,543,800 yuan+0.2 million yuan according to the calculation of 654.38+0.
3. Distinguish the maximum loan amount.
Fourth, the down payment ratio was adjusted according to the current commercial loan policy.
5. The loan term has been adjusted. The loan term can be calculated from the longest to the borrower's 70th birthday, and adjusted to the longest to 65th birthday in principle.
6. Adjust the monthly repayment amount.
Seven. Adjust the guarantee method.
Eight, streamline the loan application materials.
Nine, streamline archival materials.
Article 1 of the Notice of Beijing Housing Provident Fund Management Center on Adjusting Housing Provident Fund Individual Housing Loan Policy
When applying for a loan, the loan applicant shall meet the following conditions:
(a) when applying for a loan, the borrower shall continuously deposit the housing provident fund for more than half a year (inclusive) and the housing provident fund account is in a normal deposit state; Retirees have paid housing provident fund before retirement.
(2) The loan applicant must be qualified to buy a house in Beijing; Apply for a loan to pay for the house you bought.
(three) the loan applicant has no housing loan record and no housing in this city, according to the first home loan policy; Those who do not belong to the first suite and are approved as the second suite shall be handled according to the second suite loan policy. If there are two or more houses approved, no loans will be granted.
skill
The above answer is only for the current information combined with my understanding of the law, please refer carefully!
If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.
What are the conditions for Beijing provident fund loan?
Personal housing provident fund loan is a low-interest housing loan provided by the state for employees. Refers to the borrower who pays the housing provident fund in full and on time. When purchasing, constructing or overhauling the self-occupied housing, he applies to the housing provident fund management center for a housing loan with the housing provident fund as the source of funds, or a third party provides a guarantee for the loan and assumes joint and several liability for repaying the principal and interest.
Materials to be provided by China Bank in applying for individual housing provident fund loans:
1, loan application form;
2. Household registration book, ID card or other valid proof of residence;
3, purchase contract or letter of intent and other related documents;
4, the unit housing fund management institutions agreed to loan letter;
5. For customers who buy new commercial housing, please provide a copy of the commercial housing sales license of the sales unit; For the purchase of public houses, please provide a copy of the approval document of the higher-level housing reform management institution for the "house selling plan";
6. If there is mortgage or pledge, the guarantor agrees to the written certificate of guarantee and the guarantor's credit certificate;
7. In case of guarantee, the guarantor agrees to the written guarantee certificate and the guarantor's credit certificate;
8. The original and photocopy of the receipt that has paid 10% or more of the house purchase advance payment;
9. Other materials required by China Bank.
What are the loan conditions and requirements of Beijing housing provident fund?
Legal analysis: (1) The borrower has an urban hukou; (2) The borrower and his unit have paid the housing provident fund in full and on time in this city for more than one year; (three) have a stable professional income, good credit and the ability to repay the principal and interest of the loan; (four) there is a legitimate purchase contract or agreement, and there is a prescribed proportion of self-raised funds; (5) Having assets specified in the Civil Code as mortgage or pledge of loans; (6).
The applicant has continuously paid the housing provident fund for more than half a year (inclusive), and the provident fund account is in a normal state of payment;
The applicant is qualified to purchase houses in Beijing;
There is no outstanding provident fund loan under the name of the applicant's husband and wife;
Retirees have paid housing provident fund before retirement. The amount of Beijing provident fund loans is: the maximum amount of individual housing provident fund loans is 600,000, and the maximum amount of husband and wife provident fund loans is 654.38+00,000.
When applying for a provident fund loan, the loan applicant shall meet the following conditions: 1. If the loan applicant applies for a loan and has continuously paid the housing provident fund for more than half a year and his housing provident fund account is in a normal state, and the retirees have paid the housing provident fund before retirement, the loan applicant must have the qualification to purchase houses in Beijing, and the loan applicant has no housing loan record and no housing in this city, it shall be handled according to the first home loan policy; 5. Anyone who does not belong to the first suite and is approved as the second suite shall be handled according to the second suite loan policy. 6. If there are two or more houses approved, no loans will be granted. Loan amount: the annual loan is RMB 6,543,800+,and if the maturity is less than RMB 6,543,800+0, the maximum loan is RMB 6,543,800+2,000. If the loan applicant is married, the loan amount shall be calculated by the long-term paying spouse.
Legal basis: Article 12 of the Regulations on the Management of Housing Provident Fund in People's Republic of China (PRC), in accordance with the relevant regulations of the People's Bank of China, designates a commercial bank entrusted with the financial business of housing provident fund (hereinafter referred to as the entrusted bank), and the housing provident fund management center entrusts the entrusted bank with the financial business of housing provident fund loans and settlement, the establishment, deposit and return of housing provident fund accounts, etc. The housing provident fund management center shall sign an entrustment contract with the entrusted bank.
What are the loan conditions of Beijing provident fund? How to apply for Beijing provident fund loan?
For users who have provident fund, they all choose provident fund loans when applying for loans, but they can apply for loans without paying provident fund. In addition, the conditions for handling provident fund loans in different regions are slightly different. So what are the loan conditions of Beijing Provident Fund? Let's get to know each other.
What are the loan conditions of Beijing provident fund?
1 When applying for a loan, the loan applicant should continuously deposit the housing provident fund for half a year or more, and his housing provident fund account is in a normal deposit state.
For retirees, they must have paid the housing provident fund before retirement.
The loan applicant must be qualified to buy a house in Beijing.
Apply for a loan to pay the house price of the purchased house.
5 If the loan applicant (including the same applicant, the same below) has no housing loan record (including commercial housing loans and housing provident fund personal housing loans) and has no housing in this city, it shall be handled according to the first home loan rules.
6. If it does not belong to the first suite and is approved as the second suite, it shall be handled according to the loan rules for the second suite.
If there are two or more houses approved, no loans will be granted.