Article 1 In order to do a good job in the deposit, settlement, financing and credit of funds for urban housing system reform (hereinafter referred to as housing funds), ensure the rational use of funds and promote a virtuous circle of funds, these Measures are formulated in accordance with the Implementation Plan for Urban Housing System Reform in Kunming. Second Kunming City Housing Fund Management Office is responsible for the unified management of the city's housing funds, the main task is to be responsible for the overall planning, planning and use of housing reform funds; Determine relevant policies and systems, and conduct supervision and inspection; Ensure that housing funds are used for housing construction and housing consumption, and gradually transition to the housing fund management center. The policy financial business of housing reform in this Municipality is entrusted by the Kunming Municipal People's Government to the Municipal Construction Bank and the Real Estate Credit Department of Industrial and Commercial Bank of China (hereinafter referred to as the Credit Department); Financial business shall be handled by specialized banks. Article 3 The policy financial business of housing reform in our city is mainly the real estate credit department of the Municipal Construction Bank, which is responsible for the real estate credit department of the Municipal Construction Bank and the Industrial and Commercial Bank of China. The real estate credit department of China Industrial and Commercial Bank is specifically responsible for the housing reform policy and financial business of setting up basic settlement account units in Wuhua and Panlong District; The real estate credit department of the Municipal Construction Bank is specifically responsible for the housing reform policy financial business of the units that open basic settlement accounts in the bank and other banks and units that open basic settlement accounts in Guandu and Xishan District Industrial and Commercial Bank. Other professional banks should actively cooperate with the housing reform, and the Municipal People's Bank is responsible for coordinating the work and giving full play to the capital efficiency. The credit department should sign an agreement with Kunming Housing Provident Fund Management Office to clarify the responsibilities, obligations and rights of both parties and the charging standard of agency fees. The standard of agency fees shall be agreed by both parties in accordance with the principle of financial institutions' capital preservation and low profit. Article 4 The credit department is the internal organization of the bank, with the purpose of service, independent accounting, independent operation, self-financing and payment of local taxes. The profits realized by the credit department are transferred to Kunming Housing Fund Management Office. Article 5 The credit department shall conduct its business in strict accordance with the relevant policies and regulations on housing reform, and accept the leadership, management, coordination, auditing and supervision of Kunming Branch of the People's Bank of China. Article 6 The business scope of the Credit Department:

1. Handle all deposit, loan and settlement business of urban housing provident fund and housing provident fund provided by employer's personal provident fund;

2, for urban residents residential savings business and for fund-raising housing units and residential cooperatives deposits and loans;

3. Entrusted loans for housing reform;

4. Acting to issue and recover Kunming housing bonds;

5. Handling the allocation of housing construction funds allocated in the budget of the financial department and the deposit and loan settlement business of borrowed funds;

6. Handling housing fund deposit and loan business in the real estate system;

7. Provide financial consulting services for housing reform;

8. Other businesses approved by the People's Bank of China. Article 7 The Ministry of Credit shall assist the municipal housing fund management department in dispatching and settling various housing funds, and strengthen capital turnover and financing. On the premise of ensuring the supply of policy credit funds and complying with the relevant policies and regulations of the People's Bank of China, it can promote the rolling appreciation of funds through interbank lending or commercial credit business. Article 8 The accounting of the credit department shall implement the accounting methods of the real estate credit department approved by the People's Bank of China, submit relevant statements and materials to the credit department of the superior bank, the People's Bank at the same level and the municipal housing fund management office in accordance with the regulations, and accept the supervision and inspection organized by the municipal government. Article 9 According to the Interim Provisions of the Ministry of Finance on Establishing Non-performing Loan Reserves of National Specialized Banks, the Ministry of Credit shall establish non-performing loan reserves, and withdraw and use them in strict accordance with the provisions of the People's Bank of China on housing reform policy credit funds. Article 10 The interest of funds deposited by credit departments in specialized banks shall be calculated and paid by specialized banks according to the deposit interest rate of specialized bank reserves in China People's Bank. Article 11 The credit department shall entrust the existing outlets of the bank to handle the fund deposit and loan business in the financial business of housing reform, and shall pay the handling fee according to the following standards:

1. The deposit business is calculated at five ten thousandths of the average monthly balance;

2 loan business is calculated at 3% of loan interest income;

3. The handling fee shall be transferred quarterly and included in the operating cost of the Credit Department. Twelfth approved by the Kunming Municipal People's government, according to a certain proportion of profits left to the credit department, the credit department can withdraw capital reserve, surplus reserve and welfare funds payable according to the proportion approved by the competent financial department. Thirteenth Kunming city housing funds paid for the use of the annual plan by the "credit department" in accordance with the principle of self-balancing housing reform funds. After being audited by the Municipal Housing Reform Office and the Municipal Housing Fund Management Office and approved by the Municipal Housing System Reform Leading Group, special housing loans will be issued to units and individuals that meet the loan conditions within the planned scope, and a copy will be sent to the competent department. Fourteenth units and individuals in the policy credit business shall be given low-interest preferential housing loans, and the loan interest rate shall be implemented in accordance with the preferential interest rate of the People's Bank of China on housing reform loans. Loans can only be transferred by bank, not paid in personal account or cash. The rest of the loans shall be implemented according to the loan method and interest rate stipulated by the state. The loan interest settlement method is the same as the bank loan interest settlement method. Loan units and individuals must repay the loan principal and interest on schedule, and the overdue loans shall be charged with overdue interest according to the provisions of the head office of the People's Bank of China until the guarantor is responsible for paying off or the credit department handles the mortgaged assets according to the provisions.