Take a closer look at this, I hope it can help you. Measures for the Administration of Individual Housing Provident Fund Loans for Workers in Yuncheng City (Trial) Chapter I General Provisions Article 1 In order to standardize the administration of individual housing provident fund loans in this Municipality and support the housing consumption of urban residents, these measures are formulated in accordance with the Regulations on the Administration of Housing Provident Fund, the Measures for the Administration of Individual Housing Loans and other relevant laws and regulations, combined with the actual situation of our city. Article 2 Personal housing provident fund loans refer to special housing consumption loans for the purchase, construction, renovation, overhaul and decoration of owner-occupied housing. Article 3 The housing provident fund loan shall be guaranteed according to law, and the house purchase guarantee company determined by Yuncheng Municipal Government (hereinafter referred to as the "guarantee company") shall provide the loan guarantee. Article 4 Yuncheng Housing Provident Fund Management Center (hereinafter referred to as the Management Center) is the management institution of housing provident fund loans in this Municipality, and is responsible for examining and approving applications for housing provident fund loans. County (city, district) housing provident fund loans shall be handled by the management department where the management center is authorized. The risk of housing provident fund loans shall be borne by the management center, and the management department under it shall bear corresponding management responsibilities. Article 5 Purpose of the loan: 1. Public housing, affordable housing, ordinary commodity housing and legally owned housing purchased by employees in the secondary housing market; Two, for employees to participate in the unit to raise funds to build houses; Three, to build their own houses for workers, renovation, overhaul and decoration of private houses; Four, for workers to repay commercial bank housing loans. Article 6 The financial business of housing provident fund loans shall be handled by the commercial banks designated by the Housing Provident Fund Management Committee entrusted by the management center (hereinafter referred to as the entrusted banks). The entrusted bank must accept the supervision and management of the management center when handling the housing provident fund loan business. Chapter II Object and Conditions of Loan Article 7 The object of loan refers to employees who have paid the housing provident fund in full and on time and have full capacity for civil conduct. Article 8 A borrower must meet the following conditions at the same time: having a permanent residence in a local town or a valid residence status; Two, a stable occupation and income, good credit, the ability to repay the loan principal and interest on time; Three, the borrower and the unit according to the relevant provisions, before applying for a loan, must be full and full repayment for more than half a year; Four, with the purchase of housing within two years of the contract and construction, renovation, overhaul, renovation of self-occupied housing related procedures and the required funds of 30% of the first payment certificate; Five, to repay the housing loans of commercial banks, it is necessary to provide housing loan contracts and purchase and building procedures; The intransitive verb agrees to guarantee according to the guarantee method recognized by the management center and the entrusted bank; Seven, other conditions stipulated by the management center. Article 9 Both husband and wife who meet the loan conditions can borrow once in the management center, and the borrower can only provide counter-guarantee to the guarantee company once; If I provide counter-guarantee to the guarantee company twice, I shall not lend money again or provide counter-guarantee. Chapter III Loan Term, Amount and Interest Rate Article 10 The management center (management department) determines the loan term according to the borrower's age, working years, repayment ability and the actual situation of the management center. The longest loan term is 10 year, but it shall not exceed the statutory retirement age of the borrower. Article 11 The loan amount of housing provident fund shall be determined by the management center (management department) according to the actual situation with reference to the following provisions: 1. The loan amount of housing provident fund shall not exceed twice the amount of housing provident fund paid by family members within retirement age. Two, the purchase of public housing and participating units to raise funds to build houses, the loan amount does not exceed 80% of the total price of self-occupied housing purchased by employees; The purchase of commercial housing and affordable housing, the loan amount shall not exceed 70% of the total purchase price; For self-built housing, the loan amount shall not exceed 60% of the construction cost price; For renovation, overhaul and decoration of owner-occupied housing, the loan amount shall not exceed 50% of the required expenses. According to the first two items, the loan amount determined by the municipal management center, the management department of Yanhu District and the management department of Shanxi Aluminum Factory shall not exceed 80,000 yuan; The maximum amount approved by other administrative departments shall not exceed 50,000 yuan. The maximum amount and loan period of housing provident fund loans shall be adjusted and announced by the Municipal Housing Provident Fund Management Committee according to the actual situation. Twelfth housing provident fund loans 1 year (including 1 year), the implementation of a one-time repayment of principal and interest at maturity, with the benefits paid off with the principal; If the loan term exceeds 1 year, the principal and interest of the loan shall be repaid monthly. Thirteenth housing provident fund loan interest rate, the term is within 5 years (including 5 years), the annual interest rate is 3.78%; The term is more than 5 years and the annual interest rate is 4.23%. Fourteenth housing provident fund loans 1 year (including 1 year), the contract interest rate, in case of legal interest rate adjustment, interest-free by stages; If the loan term exceeds 1 year, if the legal interest rate is adjusted, the new interest rate regulations will be implemented at the beginning of next year according to the corresponding interest rate grades. Chapter IV Loan Guarantee Article 15 Housing provident fund loans are uniformly guaranteed by guarantee companies, which are jointly and severally liable for the repayment of loans. Article 16 A guarantee company shall sign a guarantee contract or agreement with the borrower and the entrusted bank, and shall have the right to require the borrower to provide counter-guarantee. Article 17 The scope of guarantee provided by a guarantee company includes loan principal and interest (including compound interest) and penalty interest. Article 18 The guarantee period is two years after the expiration of the loan contract. Nineteenth in any of the following circumstances, the guarantee company shall bear joint and several liability for the borrower's breach of contract. 1. During the loan period, the borrower fails to repay the loan principal and interest as agreed in the contract for more than six consecutive months; 2. After the borrower dies, is declared missing or loses civil capacity within the repayment period, there is no heir or legatee, or the successor or legatee refuses to perform this Contract; 3. When the loan expires, the borrower fails to repay the principal and interest of the loan. Chapter V Loan Procedures Article 20 When applying for housing provident fund loans, a borrower shall first obtain the Application Form for Personal Housing Provident Fund Loans from the management center (management department) and fill in the form truthfully. At the same time, submit the following certification materials to the management center (management department): 1. Identity documents of the applicant and his spouse (referring to valid residence certificates such as identity cards and household registration books); 2. Proof of stable economic income of the borrower's family; Three, the purchase of housing to provide compliance with laws and regulations of the purchase contract or agreement and the first payment receipt; Construction, renovation of owner-occupied housing, provide the approval documents of planning, land and other management departments; Provide the approval of the Planning Commission, the fund-raising roster, and the receipt of the down payment for fund-raising housing; Four, other documents or materials required by the management center. Article 21 After accepting the borrower's application, the management center (management department) will review the borrower's loan qualification, loan conditions, loan amount and repayment ability together with the guarantee company. /kloc-within 0/5 working days, make a timely loan decision if it meets the requirements. If the guarantee company has doubts about the borrower's credit and repayment ability, it should give feedback to the management center (management department) in time, and the management center (management department) will make a decision on whether to grant loans. If the counter-guarantor's credit standing is unqualified, the guarantee company may require the borrower to replace it. Article 22 If the management center (management department) approves the loan, the borrower shall sign a counter-guarantee contract with the counter-guarantor at the guarantee company or management department with the approval procedures. Article 23 The management center (management department) shall issue checks and allocate funds according to the loan settlement notice issued by the entrusted bank and the guarantee settlement notice issued by the guarantee company. The lending bank issues loans to borrowers according to the loan contract. Chapter VI Repayment of Loans Article 24 The borrower shall repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract. Article 25 The borrower shall repay the loan principal and interest in the form of equal amount, that is, repay the loan principal and interest in the form of equal amount every month during the loan period. The calculation formula of the monthly repayment amount is: the repayment months of the loan principal × the monthly interest rate ×( 1+ monthly interest rate) the monthly repayment amount = the repayment months (1+ monthly interest rate)-1 Article 26 The borrower is dead, declared missing or missing. Twenty-seventh borrowers who repay the loan principal and interest in advance shall apply to the management center (management department), and after the management center (management department) agrees, notify the loan bank to go through the repayment procedures. Twenty-eighth in the repayment period, the borrower fails to repay the loan principal and interest within the time stipulated in the contract, and the guarantee company will repay it on its behalf. After receiving the dunning notice from the guarantee company, the borrower must immediately make up the outstanding loan principal and interest and overdue penalty. Overdue fines shall be implemented in accordance with the relevant provisions of the People's Bank of China. Chapter VII Supplementary Provisions Article 29 Any party to a loan contract who wants to terminate the contract or change the contents and annexes of the contract shall notify the relevant parties in writing and reach an agreement on the relevant contents. Before both parties reach an agreement, the original contract and its annexes are still valid. Thirtieth approach by Yuncheng City Housing Provident Fund Management Center is responsible for the interpretation and revision. Article 31 These Measures shall come into force as of the date of promulgation.