1. In order to standardize the housing provident fund personal housing provident fund loan policy, according to the relevant provisions of the Regulations on the Administration of Housing Provident Fund and the Notice of the State Council on Resolutely Curbing the Excessive Rise of Housing Prices in Some Cities, and with the consent of the State Council, the housing provident fund personal housing loan policy is hereby notified as follows:

1. The housing provident fund personal housing loan can only be used to pay employees to buy, build, renovate and overhaul ordinary self-occupied houses to support basic housing needs. It is strictly forbidden to use housing provident fund and personal housing loans for speculative purchase.

2. maintain the continuity and stability of the policy of paying employees' families (including borrowers, spouses and minor children, the same below) to purchase the first set of ordinary self-occupied housing by using housing provident fund personal housing loans. Use the housing provident fund personal housing loan to purchase the first set of ordinary self-occupied housing. If the Taoxing construction area is below 9 square meters (inclusive), the down payment ratio of the loan shall not be less than 2%; If the Taoxing construction area is over 9 square meters, the down payment ratio of the loan shall not be less than 3%.

3. The second set of personal housing loans for housing provident fund is only available to paid workers' families whose existing per capita housing construction area is lower than the local average level, and the purpose of the loans is limited to the purchase of ordinary self-occupied housing with improved living conditions. The down payment ratio of the second housing provident fund personal housing loan shall not be less than 5%, and the loan interest rate shall not be less than 1.1 times that of the first housing provident fund personal housing loan in the same period.

4. Stop issuing housing provident fund personal housing loans to the families of paid workers who buy the third or above houses.

5. The Urban Housing Provident Fund Management Committee should reasonably determine the maximum amount of individual housing loans from the housing provident fund based on the local housing price, per capita housing construction area and the development of housing provident fund business, with the principle of supporting the loan demand of paid employees to buy ordinary self-occupied housing, and report it to the provincial housing and urban construction, finance, the People's Bank of China and banking supervision departments for the record. The maximum amount of individual housing loans for housing accumulation funds of municipalities directly under the Central Government and Xinjiang Production and Construction Corps shall be reported to the Ministry of Housing and Urban-Rural Development, the Ministry of Finance, the People's Bank of China and the China Banking Regulatory Commission for the record.

6. Urban housing provident fund management centers and entrusted banks should take effective measures to strengthen the investigation, review, mortgage, issuance and recovery of individual housing loans of housing provident fund, effectively strengthen loan risk management and ensure the safety of funds. The housing provident fund management center shall, jointly with the relevant competent departments, pay close attention to establishing an information sharing mechanism to prevent fraudulent housing provident fund personal housing loans and other acts. At the same time, it is necessary to simplify the procedures and improve the service level.

the people's government of a city should, in light of local conditions, work hard to formulate specific measures to implement the spirit of this circular and actively do a good job in policy interpretation. The people's governments of all provinces, autonomous regions and municipalities directly under the Central Government and the relevant departments of Xinjiang Production and Construction Corps should strengthen work guidance and intensify supervision and inspection. Relevant issues in policy implementation shall be reported to the Ministry of Housing and Urban-Rural Development, the Ministry of Finance, the People's Bank of China and the China Banking Regulatory Commission in a timely manner.