The detailed rules for the implementation of relevant provisions of Chengdu housing fund personal housing loan management measures revised by Chengdu housing fund center will be formally implemented from March 15.
It is understood that after the revision, it not only expanded the object of provident fund loan, increased the number of accumulated provident fund loans, strictly enforced the standard of "house purchase and loan recognition", adjusted the application of overdue records, relaxed the calculation of loan term, strengthened the prevention and control of loan risk, but also clarified that the payment obligation should continue to be performed before the loan is settled.
It is reported that after the modification, it is clear that the employees who normally pay the housing provident fund in the provident fund center outside Chengdu (hereinafter referred to as the non local center) can apply for the provident fund loan from the Chengdu provident fund center. It has cancelled the regulations that the employees with loans from other places need to have the household registration of Chengdu City, which is consistent with the loan conditions of the employees paid and deposited in this city, so as to realize the "same treatment in the same city" as the employees paid and deposited in this city.
Strengthen the risk prevention and control of provident fund loan
In order to further reflect the requirement of "no speculation in housing" in the country, after the first settlement of provident fund loan, the borrower can apply for provident fund loan again, but the accumulative times of provident fund loan shall not exceed 2 times. Give full play to the inclusive nature of the provident fund system, so that more people can enjoy the dividends brought by provident fund loans.
After the modification, the recognition standard of loan housing units was adjusted. The housing under the name of the borrower, unsettled housing loans, and the housing under the name of the minor were included in the calculation of housing units, i.e., "housing and loan recognition". The recognition standard of housing units was strictly defined to accurately support the purchase of houses by employees in need.
"Adjusted the application of overdue records after revision, focusing on the overdue situation in the past two years, and adopting measures to refrain from lending or raise the minimum number of first payment to control the risk of loans. "According to the relevant person in charge of Chengdu housing fund management center, after the modification, it is clear that the loan term is calculated as a whole year, with a minimum of 1 year and a maximum of 30 years, and the maturity date of the loan does not exceed 5 years after the borrower's statutory retirement time. Before the borrower reaches the legal retirement age, the loan term shall be calculated as 5 years after the loan maturity date does not exceed the legal retirement time. At the same time, two or more loan applicants who meet the loan conditions may determine the loan term according to the party with a longer term.
It is beneficial for the employees to choose the loan term suitable for their own economic endurance and arrange the monthly supply and expenditure reasonably. 'in accordance with the relevant policies and regulations of the Ministry of housing and urban rural development and the work requirements of the Department of housing and urban rural development, the income loan repayment ratio will be adjusted to 50% after modification, further strengthening the risk management of provident fund loans. The relevant person in charge of Chengdu housing accumulation fund management center said that after the modification, it was made clear that before the loan was settled, the borrower should continue to pay the housing accumulation fund in accordance with the loan contract and relevant provisions, and the deposit balance of its housing accumulation fund account should be used for the repayment of the loan with priority, so as to strengthen the borrower's payment awareness.