Fushun Fushun Municipal People's Government On The Revision Of The Decisions Of The Housing Provident Fund Management Measures Of Personal Housing Loan

Original Language Title: 抚顺市人民政府关于修改《抚顺市住房公积金个人购房贷款管理办法》的决定

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(April 16, 2008 2nd meeting consideration of Fushun city people's Government on April 25, 2008, Fushun 133th, promulgated by the people's Government as of June 1, 2008) 2nd meeting of Fushun city people's Government decision on the housing Provident Fund management measures of personal loans in Fushun as follows: first, delete the sixth paragraph (d). Second, seventh for: "Provident Fund management centres shall be accepted within 4 working days from the date of the loan application, the decision to grant loans or no loans, and notify the applicant in writing; to grant loans from Provident Fund Management Center of personal housing loan contract with the borrower. "Three, eighth revised as follows:" after the borrower has been granted a loan, mortgage formalities should be agreed in the loan contract. Provident Fund management centres should the borrower within 3 business days after the relevant formalities commissioned agent banks to handle the procedures. "Four, IX is amended as:" borrowers to buy more than 90 square meters of commercial housing, mortgage loan amount may not exceed the borrower's 70% purchase below 90 square meters (90 square meters) of housing, mortgage loan amount may not exceed the borrower's 80%. Loan amount no more than 400,000 yuan.
    Annual salary of 100,000 Yuan or more, high integrity, no major disease borrowers, housing Provident Fund Management Committee for approval, the loan amount can be more than 400,000 yuan. Borrowers to buy second-hand housing, 60% of the loan amount may not exceed the homes value, shall not exceed a maximum of 200,000 yuan.
    Home values take value, the transaction value, minimum value in the contract value. Workers ' monthly pay of less than 5% of housing accumulation Fund loan amount may not exceed 150,000 yuan. "Five, tenth revised as follows:" the loan terms with borrowers age and no more than the statutory retirement age of the borrower. But for high income and stability, high integrity, no major disease of borrowers, loan terms with borrowers and the age of up to more than 5 years the statutory retirement age of the borrower.
    Term of the loan shall not exceed a maximum of 30 years.
    Borrowers to buy second-hand housing, loan term and age shall not exceed 30 years.
    This decision shall take effect on June 1, 2008.

    Personal loans of the Fushun city housing fund administrative policy be revised according to this decision, republished. Attached: Fushun city housing Provident Fund personal purchase loan management approach (2008 amendment this) (on April 10, 2006 Fushun city government 119th, makes released, according to on April 25, 2008 Fushun city government on modified straddling Fushun city housing Provident Fund personal purchase loan management approach of decided Amendment) first chapter General first article to strengthening on housing Provident Fund loan of management, maintenance borrowing both of lawful rights and interests of, according to housing Provident Fund Management Ordinance, legal, and regulations of provides
    , Combined with the city's actual, these measures are formulated.
    Article personal housing accumulation Fund loans in these measures (hereinafter referred to as the housing accumulation Fund loan) refers to the Housing Fund for funding, in accordance with the regulations issued by the workers who have paid into the Housing Fund for the purchase of owner-occupied housing loans.
    Article in Fushun city Housing Fund Management Center (hereinafter referred to as Fund Management Center) is the custodian of the city's housing accumulation Fund loan. Commissioned by the Fund Management Center of housing accumulation Fund loan business Bank (hereinafter referred to as Agent Bank).
    Housing accumulation Fund loan risk borne by the Fund Management Center. Second chapter loan conditions and program fourth article borrowing people application housing Provident Fund loan, should while has following conditions: (a) continuous full deposit housing Provident Fund a years above; (ii) in this city work of on-the-job workers; (three) has stable of economic income and reimbursement loan principal and interest of capacity; (four) has purchase since live housing of about procedures and provides proportion of raised funds; (five) in this administrative within purchase town since live housing of housing ownership people; (six) agreed handle housing Provident Fund loan guarantees; (seven)
    Other conditions stipulated by laws, rules and regulations.
    The fifth before the borrower does not pay off the housing accumulation Fund loan, allowed to re-apply the housing accumulation Fund loan. Sixth article borrowing people application housing Provident Fund loan should to Provident Fund Management Center proposed application and submitted following information: (a) I identity card, and has spouse of provides marriage certificate and spouse of identity card, and unmarried or no spouse of provides unmarried or no spouse proved; (ii) housing purchase contract, and PIN (pre) sale license, and housing plane figure, and completed acceptance record book; (three) first purchase payment proved; seventh article Provident Fund Management Center should since accepted borrowing application of day up 4 a days within,
    The decision to grant loans or no loans, and notify the applicant in writing; to grant loans from Provident Fund Management Center of personal housing loan contract with the borrower. Eighth after the borrower has been granted a loan, mortgage formalities should be agreed in the loan contract.
    Provident Fund management centres should the borrower within 3 business days after the relevant formalities commissioned agent banks to handle the procedures. Chapter III loans, term and interest the Nineth of a borrower's purchase of more than 90 square meters of commercial housing, mortgage loan amount may not exceed the borrower's 70% purchase below 90 square meters (90 square meters) of housing, mortgage loan amount may not exceed the borrower's 80%. Loan amount no more than 400,000 yuan.
    Annual salary of 100,000 Yuan or more, high integrity, no major disease borrowers, housing Provident Fund Management Committee for approval, the loan amount can be more than 400,000 yuan. Borrowers to buy second-hand housing, 60% of the loan amount may not exceed the homes value, shall not exceed a maximum of 200,000 yuan.
    Home values take value, the transaction value, minimum value in the contract value.
    Workers paid less than 5% of housing accumulation Fund loan amount may not exceed 150,000 yuan. Tenth term of the loan and the borrower's age and no more than the statutory retirement age of the borrower. But for high income and stability, high integrity, no major disease of borrowers, loan terms with borrowers and the age of up to more than 5 years the statutory retirement age of the borrower.
    Term of the loan shall not exceed a maximum of 30 years.
    Borrowers to buy second-hand housing, loan term and age shall not exceed 30 years. 11th interest rate in accordance with provident fund interest rate for loans issued by the people's Bank of China.
    Loans for a period of one year, the implementation contract rates, statutory interest, not sectional interest; loan period for more than a year, met the statutory interest rate adjustment, and the following year began on January 1, according to the corresponding interest rate level the implementation of the new rates.
    Chapter fourth loan repayment 12th borrower shall contract for loan repayment, and repaying the loan principal and interest repayments.  13th article borrowing people by months returned loan principal and interest, can from following two species debt coupon way in the any selected one: (a) matching principal repayment way: monthly reimbursement loan principal and interest amount = loan principal/loan for those who number + (loan principal-has returned principal cumulative amount) x months interest rate (ii) matching principal and interest repayment way: monthly reimbursement loan principal and interest amount = loan principal x months interest rate x (1+ months interest rate) repayment months number/((1+ months interest rate) repayment months number-1) 14th article
    One year after the expiry of the loan the borrower ahead of partial or full repayment of the loan, and according to the provisions of the relevant procedures.
    15th borrower can extract themselves and their spouses the housing accumulation Fund account balances to pay back the loan. 16th the borrower should be the agent bank to open a personal bank account, the monthly repayment date deposit amounts not less than the period of repayment of the deposit.
    Agent banks shall be transferred in accordance with the contract.
    Fifth chapter 17th loan mortgage borrowers to buy mortgage, the borrower shall sign a mortgage contract in writing with the Fund Management Center, and the property management agency for registration of mortgage.
    18th the borrower to purchase mortgage, housing values must be pledged as security for the loan in full.
    Within the warranty period, the borrower shall not repeat mortgage collateral and collateral has the responsibility for repairs, maintenance, guarantee good. 19th mortgage terms starting from the registration date, to terminate when the borrower paid off the whole loan principal and interest.
    After the termination of the mortgage contract, the Parties shall in accordance with the contract, lifting set mortgage and property management agency for mortgage cancellation procedures. 20th the borrower purchased building mortgage of owner-occupied housing, without prior to housing ownership certificates, signed the purchase contract of all available equity mortgage and registration of property rights management bodies. Within the warranty period, Fund Management Center is first of all the interests of the beneficiaries of the mortgage.
    Owner-occupied housing under construction after acceptance, the borrower shall promptly handle the property right registration of mortgage.
    Sixth chapter the loan contract modification and termination of 21st borrower needs change, the debit by consensus can be validly signed modification agreement.
    22nd borrowers die, is declared to be missing or incapacitated, the property of the heir, legatee, property custodian or guardian shall continue to perform the contract.
    23rd the contract for loan repayment after the full loan principal and interest, return of collateral the borrower, loan contract terminated.
    Dispose of the 24th chapter seventh collateral borrowers during the repayment period of death, was declared missing or incapacitated without heirs, legatees, property custodian, guardian, or his or her heirs, legatees, property custodian, guardian refused to fulfil the contract, Fund Management Center can dispose of the collateral, the proceeds of repayment priority.
    25th dispose of the proceeds to repay the loan principal and interest of the mortgage, Fund Management Center has the right to recourse against the borrower; proceeds exceeds the outstanding loan principal and interest portion of provident fund management centres shall be returned to the borrower.
    Eighth chapter legal supervision 26th article borrowing people has following case one of of, Provident Fund Management Center by loan General, about provides on borrowing people held responsibility: (a) borrowing people not regular returned loan principal and interest of; (ii) without Provident Fund Management Center agreed, borrowing people will mortgage real repeat mortgage of; (three) borrowing moved for he with of; (four) borrowing people violation borrowing contract other terms of.
    27th the borrower shall cooperate with the relevant departments of supervision and inspection of housing accumulation Fund loan and their use.
    28th Fund Management Center and dereliction of duty, abuse of power, favoritism and housing accumulation Fund loan losses caused, shall be given an administrative sanction constitutes a crime, criminal responsibility shall be investigated according to law. Nineth chapter by-laws 29th these measures shall come into force on June 30, 2006.
                        The Fushun city workers policy guarantees loans for individuals to buy housing of interim measures for the Administration (Government issued [1997]25) repealed simultaneously.