Housing provident fund personal housing loan business norms

Beijing Municipal People's Government website 65438+February 2 1 news, recently, Beijing Housing Provident Fund Management Center released "Ten Specific Measures on Optimizing Housing Provident Fund Personal Housing Loan Service", including: 1. Further simplify the loan processing materials; 2. Further optimize the loan review process; 3. Further improve the loan service level; 4. Further guard against loan business risks.

Among them, it is proposed that when the borrower handles the repayment business, he can authenticate his identity through face recognition without providing an ID card.

In addition, the review time limit is further compressed. For the application with complete information, the three audit links of preliminary examination, review and face-to-face signing undertaken by the Provident Fund Center should be completed within 3 working days. The guarantee audit and review undertaken by the guarantee center are completed simultaneously. The certificate originally provided by the borrower to agree to sell and cancel the mortgage is changed to be verified by the guarantee center contacting the developer; The housing provident fund personal housing loan of Beijing Housing Provident Fund Management Center originally required the borrower to contact the developer to sign the contract.

Attached to the original:

Jing Fang Fa [2021] No.58

All units of Beijing Housing Provident Fund Management Center, commercial banks entrusted to handle individual housing loan business of housing provident fund, relevant sellers and borrowers:

In order to thoroughly implement the relevant work requirements of optimizing the service environment and further improve the convenience service level of individual housing loans (hereinafter referred to as loans) of housing provident fund, Beijing Housing Provident Fund Management Center (hereinafter referred to as provident fund center) put forward ten measures from four aspects: streamlining loan processing materials, optimizing loan review process, improving loan service level and preventing loan business risks. The details are as follows.

First, further streamline the loan materials.

1. When applying for a loan, the borrower does not need to provide the original repayment card (or passbook), but only needs to inform the repayment account number for verification; If you can call the ID card and electronic marriage certificate for verification, you don't need to provide ID card and marriage certificate materials.

If it is necessary to verify the borrower's household registration, the electronic certificate can be called for verification, and the original household registration book is not required.

When applying for a stock house loan, it is not necessary to provide a down payment receipt and a seller's immovable property certificate; The seller does not need to provide the original collection card (or passbook), but only needs to inform the collection account number.

2. When the borrower handles the repayment business, he can authenticate his identity through face recognition, and can handle the business without providing an ID card.

3. When the borrower handles the loan change business such as the change of repayment account and the change of borrower (mortgagor), it is not necessary to provide the original corresponding information if the e-certificate can be called for verification.

Two. Further optimize the loan review process.

1. Further compress the audit time limit. For the application with complete information, the three audit links of preliminary examination, review and face-to-face signing undertaken by the Provident Fund Center should be completed within 3 working days. The guarantee audit and review undertaken by the guarantee center are completed simultaneously.

2. Reduce loan processing links. The certificate originally provided by the borrower to agree to sell and cancel the mortgage is changed to be verified by the guarantee center contacting the developer; The housing provident fund personal housing loan of Beijing Housing Provident Fund Management Center originally required the borrower to contact the developer to sign the contract.

Third, further improve the level of loan services.

1. Enable electronic seal and electronic signature. Enable electronic seals in loan contracts, change agreements, loan review and confirmation documents, and enable electronic signatures in application forms and other documents. A new version of Beijing Housing Provident Fund Management Center Housing Provident Fund Personal Housing Loan Contract, Beijing Housing Provident Fund Management Center Housing Provident Fund Personal Housing Loan Application Form, Beijing Housing Provident Fund Management Center Housing Provident Fund Loan Borrower Change Application Form and Beijing Housing Provident Fund Management Center Housing Provident Fund Loan Mortgagor/Buyer Change Application Form will be issued.

2. Broaden the channels for handling loan business and open self-service machines to apply for loans. Online self-service machines, self-service machines can accept loan applications, face-to-face, changes and repayments.

Four, to further prevent the risk of loan business

1. Inquire about the real marriage situation of borrowers by calling the national marriage relationship electronic data information network, so as to prevent the risk that individual borrowers provide false marriage relationships to obtain loans.

2. The entrusted bank and the guarantee center shall handle the mortgage registration in time and be responsible for the authenticity and compliance of the mortgage registration.

This notice shall be implemented as of the date of promulgation. * * * The Central directly under the authority Sub-center, the Central State Organs Sub-center and the Beijing Railway Sub-center refer to the implementation.