According to the Notice of the Ministry of Housing and Urban-Rural Development and the Ministry of Finance of the People's Bank of China on Developing Personal Loan Business of Housing Provident Fund (J.J. [20 14] 148) and the Notice of the Ministry of Housing and Urban-Rural Development of Yunnan Province on Printing and Distributing the Implementation Plan of Housing Provident Fund Loans in Different Places (J.J. [2015] No.327), it is
Chapter I Loan Objects and Conditions
First, the loan object
Loan target: Employees with household registration in the administrative area of Kunming, who are employed in other cities in Yunnan Province and pay the housing provident fund normally, can apply for housing provident fund loans in different places from Kunming Housing Provident Fund Management Center (hereinafter referred to as the management center) on the basis of the payment certificate issued by the housing provident fund management center (hereinafter referred to as the payment center).
Second, the loan conditions
(1) The borrower has paid the housing provident fund in full and continuously for more than 6 months (inclusive).
(2) The borrower has full capacity for civil conduct, stable income and the ability to repay the principal and interest of the loan.
(three) the borrower to buy new commercial housing or stock housing in this city, is the property owner or * * * someone.
(4) The borrower and the borrower have no outstanding housing provident fund loans in other cities in the province.
(five) the number of purchased housing units meets the standards for the identification of individual housing loans in our city's provident fund.
(six) meet other conditions for the implementation of provident fund personal housing loans in our city.
Chapter II Loan Amount, Term and Interest Rate
First, the maximum loan amount and the longest term shall be implemented according to the standards stipulated by the Housing Provident Fund Management Committee of our city.
Two, the borrower and the borrower in other cities in the province to deposit housing provident fund, can be combined to calculate the amount of housing provident fund loans in different places.
Three, off-site loan interest rates in accordance with the provisions of the people's Bank of China housing provident fund loan interest rates.
Chapter III Application Materials
I. Personal data
(1) Certificate of Deposit of Housing Provident Fund for Employees with Loans from Different Places in Yunnan Province (Annex I) issued by the center where the borrower and spouse deposit, and the details of deposit in the last 6 months (signature).
(two) the income certificate of the borrower's spouse and the borrower who has not paid the housing provident fund (Annex II) (signature).
(three) the borrower and his spouse's identity card, household registration book, the original inspection, and a copy.
(4) Marriage certificate of the borrower and spouse (marriage certificate, divorce certificate and divorce agreement, and the divorced or widowed person must also issue a certificate of non-remarriage) (validity period 1 month). Singles must provide unmarried certificate (validity period 1 month), check the original and get a copy.
(five) repayment passbook (card), the original inspection, inspection copy.
Second, the purchase information
It is consistent with the purchase information that needs to be submitted by the provident fund personal housing loan in our city.
Third, others.
Employees and loan-related personnel who apply for and complete housing provident fund loans in different places in the city's domicile cannot apply for monthly deduction of provident fund repayment; The balance of the deposit account can only be used to repay the principal and interest of loans in different places in advance, and the principle of repayment first and then withdrawal is implemented when withdrawing, and withdrawal is made once a year.