The housing maintenance fund is used for the upgrading of shared facilities and equipment. Originated from 1998, it gradually became a fee when handling the title certificate in 2004. The payment standard is 5%-8% of the project cost per square meter, and the housing maintenance fund belongs to the overall owners and is managed by the Housing Authority before any owners' association is established.

Second, the housing maintenance fund payment time

The owner must pay the house maintenance fund before the house is delivered. The first phase of special housing maintenance funds, the owners can directly deposit special housing maintenance funds, can also be entrusted to real estate development enterprises to pay. Authorized to entrust a real estate development enterprise to collect, the real estate development enterprise shall, within 30 days from the date of receiving the special housing maintenance fund, deposit the special housing maintenance fund collected.

Three, housing maintenance fund payment specification

When selling commercial housing, the buyer and the selling enterprise shall sign a letter of commitment to pay the relevant housing maintenance fund, and the buyer shall pay the housing maintenance fund to the selling enterprise according to the proportion of 2-3% of the purchase price. Housing maintenance funds entrusted by housing sales enterprises belong to all owners and are not included in housing sales. The implementation standards for the deposit and payment of the first special maintenance fund are: 90 yuan/m2 for high-rise residential buildings (including double floors with elevators) and 50 yuan/m2 for double floors (including single-family villas).

Four, the scope of application of housing maintenance fund

The housing maintenance fund is used for the maintenance and replacement of the main building projects and public equipment after the expiration of the housing warranty period. The main body of housing behavior reports the central wall, column, beam, floor and roof. Inside and outside the city, some also include exterior wall tiles, stairs, corridors and safe passages. Public mechanical equipment includes left and right pipes, domestic elevators, fire fighting, parking garages, etc.

V. Application Process of Housing Maintenance Fund

According to the requirements of the Property Management Regulations and the Measures for the Administration of Residential Special Maintenance Funds, the application for maintenance funds shall be handled in accordance with the following procedures:

1. The application scheme shall be clearly put forward by the realty service enterprise, or by the relevant owners if there is no realty service enterprise.

2. The exclusive part of maintenance funds within the pre-tax expenditure scope accounts for more than 2/3 of the construction area and more than 2/3 of the owners.

3. The realty service enterprise and relevant owners implement the application plan.

4. Property service enterprises and related industries shall apply to the real estate administrative department for pre-tax expenses with relevant materials.

5. After the approval of the real estate administrative department, send the guidance on the allocation of maintenance funds in the Measures for the Management of Funds to financial institutions.

6. Ways of fund management Banks may need to allocate maintenance funds to maintenance enterprises.

How to transfer a house by loan? Because the loan house is in the pledge state, the financial institution has the pledge right to the house. Therefore, before the loans of financial institutions are settled, it is generally not allowed to buy and sell in the market. If you want to buy and sell in the market, you usually need to repay the loan, mainly in the following ways:

1, mortgage loan. Mortgage loan means that the lender takes the house sold as collateral, and the customer of the house repays the overdue loan of the seller again with the permission of the lending institution. At present, there are not many banks that accept mortgage loans, so whether it is feasible must be communicated with the actual bank loans.

2. Use the buyer's down payment to settle the remaining loan. This method is widely used by people, and it is suitable for the situation that the loan amount of some original homeowners is low or the remaining loan amount of the house is small after a large number of loans are repaid.

3. Apply for mortgage loan from insurance company and settle the remaining housing loan. If there are too many remaining housing loans to handle mortgage transfer procedures, you can choose to pay off the remaining housing loans according to bank loans. Merchants can apply for mortgage loans from insurance companies with other pledges under their own names according to their own conditions, and then pay off the housing loans of their own houses. After the customer delivers the house, he will repay the pledged loan of the commercial bank.