Chapter I General Provisions Article 1 These Measures are formulated in accordance with the Regulations on the Administration of Housing Provident Funds and other relevant laws and regulations, combined with the actual situation of this Municipality, in order to standardize the individual loan behavior of housing provident funds and safeguard the legitimate rights and interests of both borrowers and borrowers. Article 2 The management of housing provident fund loans within the administrative area of this Municipality shall abide by these measures.

Housing provident fund loan is a policy loan issued to employees who pay housing provident fund as a source of funds for purchasing, building, renovating and overhauling self-occupied housing. Self-occupied housing includes commercial housing, affordable housing, second-hand housing, fund-raising housing and housing reform housing. Article 3 Housing provident fund loans shall follow the principles of combining deposit with loan, deposit before loan, loan guarantee and voluntariness. Article 4 Xining Housing Provident Fund Management Center (hereinafter referred to as the Provident Fund Center) is the management institution of individual housing provident fund loans in Xining area. Fifth individual housing provident fund loans by Xining City Housing Provident Fund Management Committee in accordance with the relevant provisions of the designated commercial banks (hereinafter referred to as the entrusted bank), entrusted by the provident fund center.

The provident fund center bears the risk of individual housing provident fund loans. In addition to being held accountable, the entrusted bank also bears the risk of illegally handling personal housing provident fund loans. Chapter II Object and Conditions of Loan Article 6 All employees of this province who purchase, build, renovate or overhaul their own houses within the administrative area of this Municipality and pay the housing provident fund in accordance with the regulations may apply for individual housing provident fund loans. Article 7 A borrower applying for a housing provident fund loan shall meet the following conditions:

(1) Having permanent residence or valid residence status in this province and full capacity for civil conduct;

(two) a stable income, good credit, the ability to repay the principal and interest of the loan;

(3) to buy a house, there must be a legal purchase contract or agreement; The construction, renovation and overhaul of owner-occupied housing must have the approval documents of the planning and land management departments;

(four) there are more than 30% of the total price of self-occupied housing for the purchase, construction, renovation and overhaul;

(five) guarantee according to the agreement between the provident fund center and the entrusted bank;

(6) Other conditions stipulated by laws and regulations.

When applying for housing provident fund loans, employees who have not paid the provident fund in the city provident fund center shall, in addition to meeting the conditions stipulated in the preceding paragraph, also provide the certificate of deposit of the provident fund issued by the provident fund management department at the place where the housing provident fund is deposited. Article 8 Before the borrower pays off the principal and interest of the housing provident fund loan, the borrower and his spouse may not apply for the housing provident fund loan again. Chapter III Loan Amount, Term and Interest Rate Article 9 The loan amount of individual housing provident fund shall be comprehensively determined according to the purchased self-built housing price, the borrower's repayment ability and the balance stored in the housing provident fund account, but it shall not be higher than 70% of the purchased housing price. Tenth housing provident fund loans generally do not exceed the remaining service life of the borrower's statutory retirement age, but the longest period shall not exceed 20 years. However, for those who have the ability to repay the loan within five years near the statutory retirement age, the loan term can be extended by 1-5 years. Eleventh housing provident fund loan interest rate personal housing provident fund loan interest rate announced by the People's Bank of China. If the national interest rate is adjusted during the loan period, it shall be adjusted accordingly according to the regulations.

If the loan term is within 1 year (including 1 year), the contract interest rate shall be implemented, and the interest shall not be calculated by stages; If the loan term exceeds 1 year, when the legal interest rate is adjusted, the new interest rate regulation shall be implemented according to the corresponding interest rate grade of the following year 1 day. Chapter IV Loan Procedures Article 12 When applying for individual housing provident fund loans, a borrower shall apply to the provident fund center, fill in the Application Form for Individual Housing Provident Fund Loans, and truthfully provide the following information:

(1) Legal identification;

(two) proof of housing provident fund deposit;

(3) the borrower's marriage certificate;

(4) proof of family income;

(five) the purchase, construction, renovation and overhaul of owner-occupied housing is not less than 30% of the down payment certificate or self-financing certificate;

(six) the purchase of housing contracts and related materials, construction, renovation, overhaul of owner-occupied housing contracts or agreements and related materials;

(seven) the relevant information he needs to provide. Article 13 The borrower shall submit the application form for individual housing provident fund loan and the materials specified in the preceding paragraph to the entrusted bank entrusted by the provident fund center, and the entrusted bank shall forward the application form and all kinds of materials that meet the requirements to the provident fund center in time.

The provident fund center shall review the borrower's relevant information before lending, and the entrusted bank shall make a decision on whether to lend within 15 working days after receiving the loan materials. /kloc-If the formalities are not completed within 0/5 days, it may be extended for 5 working days with the approval of the person in charge of the provident fund center, and the applicant shall be informed of the reasons for extending the time limit. Fourteenth approved by the provident fund center loan, the borrower and the entrusted bank shall sign a loan contract and related agreements. Fifteenth houses as collateral or securities pledge, but also need to sign a mortgage (pledge) contract, for real estate mortgage or securities freezing procedures.

The "other warrants" of the mortgaged property and the valid certificates of the securities shall be kept by the entrusted loan bank.