Guiyang provident fund policy in 2023

Guiyang provident fund policy in 2023 is as follows:

1. Cancel the household registration restriction for off-site loans. Foreign workers buy new commercial housing in Gui 'an, Guiyang and apply for housing provident fund loans without household registration restrictions;

2. Cancel the age limit for second-hand housing loans. Employees apply for loans when purchasing second-hand houses, and cancel the restriction that the age of purchased second-hand houses should not exceed 25 years;

3, the city provident fund center is responsible for the approval and management of provident fund loans within their respective administrative areas, and in accordance with the provisions of the commercial banks (hereinafter referred to as the trustee bank) for provident fund loans;

4 City Provident Fund Center shall sign an entrustment contract with the entrusted bank, clarify the rights and obligations of both parties, and supervise and assess the entrusted bank.

Provident fund loan process:

1. preliminary examination: the housing fund management center conducts preliminary examination of the materials submitted by the applicant, including the applicant's qualification, loan amount and loan term. After passing the preliminary examination, the center will issue a notice of mortgage review and evaluation;

2. Appraisal: The applicant will go to the appraisal institution designated by the center to appraise the value of the purchased house with the notice of mortgage examination and appraisal. Affordable housing does not need to be evaluated;

3. Audit: The applicant will go to the center for loan audit with the evaluation report issued by the evaluation agency and the preliminary examination materials required by the center. In line with the conditions, the center will issue the "Notice of Investigation on Entrusted Loan Guaranteed by Housing Provident Fund Management Center";

4. Handling guarantee procedures: The applicant holds the investigation notice of entrusted loan guaranteed by the Housing Provident Fund Management Center, and handles guarantee procedures according to the selected guarantee method. If mortgage guarantee is selected, the guarantor shall issue a written guarantee; If you choose mortgage insurance or third-party guarantee, you should apply for insurance in an insurance company or go through the formalities of entrusted guarantee in a guarantee institution;

5. Sign a loan contract;

6, housing fund management center and the entrusted bank loan agreement;

7. The borrower directly submits the loan application to the housing fund management center, and the entrusted industry can collect the borrower's application as needed and submit it to the housing fund management center for approval;

8. After the housing fund management center approves the amount, term and interest rate of each loan, it will sign an entrusted loan contract with the entrusted bank.

To sum up, the housing provident fund personal housing loan (hereinafter referred to as the provident fund loan) refers to the personal housing loan issued by Guiyang Housing Provident Fund Management Center (hereinafter referred to as the Municipal Provident Fund Center) to employees who apply and meet the requirements after examination for the purchase, construction, renovation and overhaul of self-occupied housing.

Legal basis:

Article 1 of the Regulations on the Management of Housing Provident Fund

In order to strengthen the management of housing provident fund, safeguard the legitimate rights and interests of housing provident fund owners, promote urban housing construction and improve the living standards of urban residents, these regulations are formulated.

second

These Regulations shall apply to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC).

The term "housing accumulation fund" as mentioned in these Regulations refers to the long-term housing accumulation fund paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units and social organizations (hereinafter referred to as units) and their employees.

essay

The housing accumulation fund paid by individual employees and the housing accumulation fund paid for employees by the unit where the employees work belong to individual employees.

Article 4

The management of housing provident fund shall follow the principles of decision-making of housing provident fund management committee, operation of housing provident fund management center, storage of special bank accounts and financial supervision.

Article 5

The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of owner-occupied housing by employees, and no unit or individual may use it for other purposes.

Article 6

The deposit and loan interest rate of housing provident fund is proposed by the People's Bank of China, and submitted to the State Council for approval after consulting the construction administrative department of the State Council.