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What are the contents and changes of the new state managed provident fund policy?

Today, Guoguan provident fund center issued the notice on adjusting the individual housing loan policy of housing provident fund and further optimizing services, which has had a great impact on many people's house purchase. The new policy of Guoguan provident fund stipulates that the loan for the second house shall be "house and loan", and the proportion of down payment for the second house shall be adjusted to a minimum of 60%, The loan can only be 600000 at most. What are the specific contents of the new deal of national customs provident fund? This article has brought you an introduction to the specific content. Let's have a look.

what does state managed provident fund mean?

[answer]: state managed provident fund refers to the long-term housing fund paid by the employees of state managed units such as central state organs and units in Beijing. Its main differences from the municipal managed provident fund are as follows: first, the state managed provident fund is managed by the housing fund management center of the central state organ, while the municipal managed provident fund is managed by the municipal housing provident fund management center. Second, the scope of use is different. The national management is that the provident fund can be used across regions. For example, the Ministry of Railways is directly under the management of the Ministry of railways, and the provident fund of their unit workers can be used across regions. Third, there are great differences in loan life. Generally, the calculation formula of loan life is that house age + loan life is less than or equal to a value. This value is larger than that managed by the city.

What does state managed provident fund mean? How to distinguish between state managed provident fund and municipal managed provident fund?

State managed provident fund refers to the long-term housing reserve paid by the on-the-job employees of state managed units such as central state organs and units in Beijing. Generally, those who write in the "individual registration number" column of the "application form for loan of individual housing guaranteed entrusted loan" starting with 502 and 509 numbers are state-owned management units; The number beginning with the ID number is mostly regarded as the city management unit. Implementation of the new policy of state managed provident fund

Change one

The loan can be applied only after the account has been deposited continuously for more than half a year

The adjustment of loan application conditions is the first change in the new deal.

According to the regulations, when applying for a loan, the loan applicant shall continuously deposit the housing provident fund for more than 6 months (including), and his housing provident fund account is in the normal state of deposit; Or with the approval of the housing fund management center of the central state organ (hereinafter referred to as the fund center), the deposit employees are in the state of deferred payment, sealing up or retirement cancellation.

At the same time, the applicant and his wife have no outstanding housing provident fund personal housing loans and policy interest discount loans.

Change II

The second set of housing is recognized as' recognizing both houses and loans'

Like the previous Beijing Municipal provident fund, the state managed provident fund center also adjusted the identification standard of the second suite to 'recognize both houses and loans'.

According to the new policy, if the family of the loan applicant (including the loan applicant, spouse and minor children) has no housing in Beijing and the husband and wife have no housing loan records (including commercial housing loan and housing provident fund loan records), it shall be handled according to the first set of housing loan policy.

If the loan applicant's family has no housing in the city and has only one housing loan record under its name, and has only one housing in the city and has no housing loan record under its name or has only the same housing loan record, it shall be handled according to the two housing loan policies. In other words, once I bought a house with a loan, whether commercial loan or provident fund loan, now I sell small to buy large, which will be recognized as a second house from April 15.

If it is recognized as more than two houses, no loan shall be granted.

Change III

The maximum loan for the second suite is 600000 yuan

In terms of down payment, according to regulations, if the loan applicant purchases affordable housing, the down payment proportion shall not be less than 20% of the total purchase price; For the purchase of the first house other than affordable housing, the proportion of down payment shall not be less than 30% of the total purchase price; For the purchase of two houses, the proportion of down payment shall not be less than 60% of the total purchase price. If the loan applicant purchases a stock house, the total purchase price shall be subject to the lower of the assessed value of the house and the total purchase contract price.

In terms of loan amount, the maximum amount of the first housing loan is 1.2 million yuan, and the benchmark loan interest rate is implemented; The maximum amount of two housing loans is 600000 yuan, and the loan interest rate is 1.1 times the benchmark loan interest rate in the same period.

In addition, on the premise of ensuring the basic living expenses of the loan applicant, according to the loan amount, term and applicable interest rate applied by the loan applicant, the average monthly repayment amount calculated by the equal principal and interest repayment method shall not exceed 60% of the monthly income of the loan applicant.

At the same time, the loan term shall not exceed 25 years, which can be calculated up to 5 years after the legal retirement age of the loan applicant, and the maximum shall not exceed 65 years old.

unchanged

Support the purchase of policy housing

As in the past, the new deal also emphasizes once again the need to support employees to buy policy housing.

If employees purchase policy housing, factors such as deposit balance, deposit period, spouse deposit and adjustment coefficient are not considered when determining the amount of individual housing loan of housing provident fund.

Applying for loans for purchasing affordable housing (including housing managed according to affordable housing) shall be handled according to the first set of housing loan policy; When applying for loans for the purchase of policy houses such as houses with common property rights, the applicable policies for loans shall be determined according to the actual housing and loans under the name of the loan applicant.

Automatic phased guarantee shall be implemented for loans for the purchase of policy housing. If the materials are complete, the processing cycle from application to distribution shall not exceed 8 working days.

optimization

You do not need to provide a copy of your ID card to apply for a loan

The good news for the employees who pay the national management provident fund is to further simplify the supporting materials.

When applying for a loan, the borrower only needs to bring the original of identity certificate, marriage certificate, house purchase down payment certificate and other materials without providing a copy;

If the borrower pays the housing provident fund in Beijing housing provident fund management center, it is not necessary to provide the personal inquiry form of housing provident fund;

If the housing provident fund is transferred to the fund center to deposit the housing provident fund through the national housing provident fund off-site transfer and continuation platform, it is not necessary to provide the certificate of deposit and use of housing provident fund for off-site loan employees issued by the original urban provident fund deposit center;

If the payment time of the housing provident fund of the demobilized army personnel does not meet the relevant provisions, the demobilized army personnel shall provide the employment certificate without providing the housing provident fund payment certificate issued by their original army.

In addition, when the loan applicant goes through the loan application procedures at the loan handling bank outlet, if he voluntarily chooses to open the EMS free mail loan contract service, he does not have to go to the bank outlet to receive the loan after the loan is issued, so as to realize the "only run once" of loan processing.

Attachment: Notice on adjusting housing provident fund individual housing loan policy and further optimizing service

Housing provident fund management institutions of all departments and units of central state organs:

In order to further implement the spirit of the 19th National Congress of the Communist Party of China and the reform requirements of the State Council on "deregulation, management and service", continue to adhere to the positioning of "houses are used for living, not for speculation", vigorously support the basic housing consumption needs of employees, and practically facilitate employees' affairs, the relevant issues on adjusting the individual housing loan policy of the central state organ housing provident fund are notified as follows:

1、 We will intensify efforts to support the consumption demand for basic housing

(1) Support employees to purchase policy housing. If an employee purchases policy housing, the amount of individual housing loan of housing accumulation fund (hereinafter referred to as loan) is determined without considering factors such as deposit balance, deposit period, spouse deposit and adjustment coefficient.

Applying for loans for purchasing affordable housing (including housing managed according to affordable housing, the same below) shall be handled according to the first set of housing loan policy; When applying for loans for the purchase of policy houses such as houses with common property rights, the applicable policies for loans shall be determined according to the actual housing and loans under the name of the loan applicant.

Automatic phased guarantee shall be implemented for loans for the purchase of policy housing. If the materials are complete, the processing cycle from application to distribution shall not exceed 8 working days.

2、 Adjust loan application conditions

(2) Adjust the loan application conditions. When applying for a loan, the borrower shall meet the following conditions:

1. When applying for a loan, the loan applicant shall continuously deposit the housing provident fund for more than 6 months (inclusive), and his / her housing provident fund account is in normal deposit status; Or with the approval of the housing fund management center of the central state organ (hereinafter referred to as the fund center), the deposit employees are in the state of deferred payment, sealing up or retirement cancellation.

2. The applicant and his wife have no outstanding housing provident fund personal housing loans and policy interest discount loans.

3. Meet other conditions specified by the fund center.

3、 We will further implement differentiated loan policies

(3) Adjust the identification standard of housing units. If the borrower's family (including the borrower, spouse and minor children) has no housing in Beijing and the husband and wife have no housing loan records (including commercial housing loan and housing provident fund loan records, the same below), it shall be handled according to the first set of housing loan policy.

If the loan applicant's family has no housing in the city and has only one housing loan record under its name, and has only one housing in the city and has no housing loan record under its name or has only the same housing loan record, it shall be handled according to the two housing loan policies. If it is recognized as more than two houses, no loan shall be granted.

(4) Adjust the proportion of down payment. If the loan applicant purchases affordable housing, the proportion of down payment shall not be less than 20% of the total purchase price; For the purchase of the first house other than affordable housing, the proportion of down payment shall not be less than 30% of the total purchase price; For the purchase of two houses, the proportion of down payment shall not be less than 60% of the total purchase price. If the loan applicant purchases a stock house, the total purchase price shall be subject to the lower of the assessed value of the house and the total purchase contract price.

(5) Adjust the maximum amount of two sets of housing loans. The maximum amount of the first housing loan is 1.2 million yuan, and the benchmark interest rate of the loan is implemented; The maximum amount of two housing loans is 600000 yuan, and the loan interest rate is 1.1 times the benchmark loan interest rate in the same period.

4、 Adjust the loan term and monthly repayment limit

(6) Adjust the loan term. The loan term shall not exceed 25 years, which can be calculated up to 5 years after the legal retirement age of the loan applicant, and the maximum shall not exceed 65 years old.

(7) Adjust the upper limit of monthly repayment. On the premise of ensuring the basic living expenses of the loan applicant, according to the loan amount, term and applicable interest rate applied by the loan applicant, the average monthly repayment amount calculated by the equal principal and interest repayment method shall not exceed 60% of the monthly income of the loan applicant.

5、 Further facilitate employees to handle business

(8) Set up housing provident fund loan repayment business. The loan applicant can open the loan repayment business when applying for the loan, and authorize the fund center to use the funds in his housing provident fund account to repay the loan without going through the housing provident fund withdrawal business separately.

(9) Loan processing 'only run once'. The loan applicant can complete the loan application procedures on site at the loan handling bank outlet. Those who voluntarily choose to open EMS to mail the loan contract free of charge do not have to get the loan from the bank outlet after the loan is issued, so as to realize the "only run once" of loan processing.

(10) Further streamline the supporting materials. When applying for a loan, the loan applicant only needs to bring the original of identity certificate, marriage certificate, house purchase down payment certificate and other materials without providing copies. See the annex for the list of other loan application materials;

If the borrower pays the housing provident fund in Beijing housing provident fund management center, it is not necessary to provide the personal inquiry form of housing provident fund;

If the housing provident fund is transferred to the fund center to deposit the housing provident fund through the national housing provident fund off-site transfer and continuation platform, it is not necessary to provide the certificate of deposit and use of housing provident fund for off-site loan employees issued by the original urban provident fund deposit center