Ji'nan provident fund management center sent a letter to bank housing companies refused to do provident fund loans will be severely investigated.
in July 18th, the Ji'nan housing provident fund management center issued a letter to the entrusted banks and Housing enterprises "not to obstruct the use of housing provident fund loans for housing workers". All the loan of the borrower with complete information must be first trial, report and loan in the prescribed time, and no misleading, refusing and procrastinating fund loan will be taken to prevent the use of provident fund loan.
in the near future, some housing workers reflect the problem of the obstruction of the use of provident fund loans. Through the investigation and verification of the central provident fund center, there are a few phenomena of misleading, refusing to handle and procrastinating provident fund loans by a small number of bank officials and real estate development enterprises. To prevent the use of housing provident fund loans to prevent the use of the phenomenon, Ji'nan housing provident fund management center issued a "not obstruct the use of housing provident fund loans to housing workers".
Ji'nan housing provident fund management center requires that all entrusted banks and housing provident fund loan officers should strictly follow the relevant policies and regulations of the state housing provident fund management regulations and Ji'nan housing provident fund loans to guide and assist the real estate development enterprises and the housing workers to handle well and use good housing. Provident fund loans. All the eligible real estate development enterprises to apply for housing provident fund loans must be accepted and reported in time. All the borrowers' full fund loans must be first trial, reported and issued in the prescribed time. No misleading, refusing to handle and procrastinating fund loans are prohibited. Housing workers use provident fund loans.
every real estate development enterprise must apply to the Ji'nan housing provident fund center through its cooperative bank to apply for the housing provident fund loan business, which is in accordance with the mortgage loan conditions and to apply for the housing provident fund loan. It should be strictly in accordance with the Ji'nan urban and rural construction Commission and the Francis. South housing provident fund management center, "the real estate development enterprises shall not refuse to refuse the purchase of housing provident fund loans related issues" (2012) 1) request, actively recommend and use fund loans to the housing workers, not refusing to use MPF loans, more than the use of provident fund loan ratio The high price of commercial loans.
in order to protect the legitimate rights and interests of the housing workers, the provident fund center will check the provident fund loan business of the entrusted bank regularly and for the purchase of the house staff, and find that misleading, refusing and procrastinating the phenomenon of provident fund loan will be seriously dealt with; meanwhile, the central provident fund center will be combined with Ji'nan The Municipal Construction Committee has investigated and dealt with the real estate development enterprises stipulated in Document No. 2012 of the Ji Jian Fang [1].
related reading: how to collect housing provident fund?
how to get housing provident fund? The application conditions for the extraction of housing provident fund; the amount of housing provident fund extraction; the proof material for the extraction of housing provident fund; the method of extracting the housing accumulation fund by the time deposit certificate of the employee signed by the bank.
1. Application conditions of housing provident fund extraction
1. purchase, construction, renovation,
2. reimbursement of home housing loans,
3. rental housing
4. retired, retired (retired)
5. The total or partial loss of labor capacity, and the termination of labor relations with the unit
6. is not after the city registered workers and their units terminated labor relations, no re employment for 5 years or male 50 years old, women full of 45 years of age of
7. is not the city registered workers and units to terminate labor customs clearance
8., which is not reemployed in the city, 8. enjoy the minimum living security of the town, />
9.,
10. workers dead or declared dead,
two. The amount of the housing provident fund extracted by
1. workers, building, building, overhauling and overhauling The balance of my personal account can be extracted. There is no application for housing loans. The balance of the account can be made up to the month of signing orders and building contracts. The balance of my personal account exceeds the actual purchase and building expenditure, and the.
2. employees will be paid for the home loan and interest according to the actual expenditure, and can be extracted once a year. The balance of each account is not more than the repayment of the current interest rate. When the loan is cleared, the balance of the account is made up to the month of the settlement of the loan; after the settlement of the loan, the.
3. workers' rental housing will be withdrawn every year, and the balance of each account is not over 70%.
the actual rent expenditure of the current period. 4. the balance of the account of the employee's account is not enough. The spouse, parents and children may apply for their respective housing accumulation fund within the limit. The total amount of money extracted by the workers and their spouses, parents and children shall not exceed the above limit.
three. The proof material for the extraction of the housing deposit is
1. the purchase of housing or affordable housing, the purchase of a commercial housing contract and the purchase of a purchase invoice or a unified receipt; the purchase of a second-hand house, the transfer contract and the deed tax voucher, the purchase of public housing, the provision of a public housing sale agreement and a purchase invoice or a unified receipt. Receipts.
2. return, expansion of housing, providing return, expansion agreement and purchase invoices or unified receipt receipts.
3. building and building self housing, providing construction project planning license or village planning and construction license and other building permit certificates and purchase materials invoice
4.
5. reimbursement of the principal and interest of property owned housing loans by the appraisal report issued by the housing appraisal institution, the construction project planning license and the purchase material, providing the purchase contract, the loan guarantee contract and the bank's repayment certificate or the loan settlement certificate.
6. rental housing self Living, providing lease contract and rent invoice.
7. retired or retired (retired), providing retirement, retirement (retirement) certificate
8. complete or partial loss of labor capacity, and terminating labor relations with the unit, providing identification proof of loss of labor capacity issued by the labor department and termination of labor relations by the unit After proving that.
9. city registered permanent residence workers and their units terminate their labor relations, they have not reemployed for 5 years or men are 50 years old, and women are at the age of 45 years old, and the termination of labor relations of the units proves that.
10. is not reemployed in the city after the labor relations between the registered permanent residence workers and their units.
11. to enjoy the minimum living security of the town, providing the difficult families (low insurance, special difficulties, difficulties) assistance certificate.
12. overseas or outbound settlement, providing passport, registration certificate, or foreign settlement certificate of.
four. The method of extracting the housing accumulation fund is taken by the staff and workers to sign the bank's regular deposit form to extract.
1. in the way that the staff and workers sign the bank certificates of deposit for the
2. job extraction housing provident fund payment first. For payment, a transfer check is issued by the housing provident fund management center, and the housing provident fund drawn from the workers is paid to the selling unit.