Legal subjectivity:

Faced with high housing prices, many buyers want preferential treatment. If developers don't provide it, then we have to solve the problem fundamentally. Loans allow buyers to get the house without paying the full amount and only paying the down payment, but they have to pay the bank interest accordingly. If there is a provident fund, it is more economical than commercial loans. Process of Beijing Housing Provident Fund Handling 1. Submitting materials When a borrower applies for a provident fund loan at the management department of the provident fund management center where he has paid the provident fund, if he chooses a guarantee center to provide guarantee, he should submit all the materials required for personal loan application, including personal and spouse's ID card, household registration book, marriage certificate, divorce certificate, proof of down payment for house purchase, house purchase contract, proof of housing provident fund payment, etc. II. Notice of Audit After the loan application has passed the preliminary examination, the management department will issue the Notice of Audit of Guarantee Application, print the Loan Contract, Mortgage (Counter-guarantee) Contract and other relevant legal documents, and submit all personal loan information to the guarantee center. Three, the approval of the guarantee center to review the guarantee application, the borrower meets the guarantee conditions, the guarantee center issued a "guarantee application approval opinion"; If the borrower entrusts an intermediary agency to handle the provident fund loan, the agency shall be responsible for the guarantee application procedures and collect the guarantee service fee. (Note: The agency intermediary must have the qualification certification of Beijing Housing Provident Fund Management Center and sign a cooperation agreement with the guarantee center. (4) The paying borrower shall pay the guarantee service fee according to the "Opinion on Approval of Guarantee Application" approved by the audit. The guarantee center shall issue an invoice for the guarantee service fee, and affix the official seal of the guarantee center to the legal documents such as Loan Contract, Mortgage (Counter-guarantee) Contract and Custody Contract that have been approved. Five, the materials transferred to the personal loan application materials after the audit (including the sealed contract), the guarantee center transferred to the housing provident fund management department; If an intermediary agency is entrusted, the intermediary agency shall be responsible for the transmission of the above information. Vi. Signing the Contract The Housing Provident Fund Management Department supervises and guides the loan applicant to sign the loan contract, mortgage (counter-guarantee) contract and other relevant legal documents. The establishment of employee housing provident fund is a measure to promote the reform of housing system in China, aiming at solving the housing difficulties of employees by the state, the collective and the individual. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions and their employees. According to the regulations, all employees who have paid the provident fund have the right to enjoy such loans, and they can apply for provident fund loans according to the relevant provisions of provident fund loans. The above is the introduction of Beijing housing provident fund management process. Housing provident fund helps workers solve housing difficulties. According to the relevant regulations, all employees who pay the provident fund can generally enjoy the right of provident fund loans. Anyone who meets the conditions of provident fund loans can apply for provident fund loans. Legal objectivity:

The contribution ratio of housing accumulation fund of enterprises in Beijing area is adjusted to 5%-12%. Enterprises can determine the specific contribution ratio within the prescribed scope according to their own economic conditions through discussion and approval by their own staff meeting, staff representative meeting or trade union. The deposit ratio of other units is 12%. On December 31, 214, Beijing Housing Provident Fund Management Center issued a notice on adjusting the housing provident fund individual housing loan policy. With the consent of the Beijing Housing Provident Fund Management Committee, the relevant issues concerning the adjustment of the loan policy are hereby notified as follows: 1. The housing provident fund will give priority to meeting the loan demand for purchasing the first set of self-occupied housing on the premise of ensuring the withdrawal of paid employees. The loan applicant purchases policy-oriented housing or the first set of self-occupied housing with Taoxing construction area below 9 square meters (inclusive), and the maximum loan amount is adjusted to 1.2 million yuan. For those who purchase non-policy housing with Taoxing construction area above 9 square meters or the second set of housing, the maximum loan amount is still 8, yuan. Two, the loan amount is no longer based on personal credit rating. Three, for employees who have paid the housing provident fund in other places, and who are dissatisfied with the prescribed payment time in Beijing, the payment time can be calculated according to the payment certificate issued by the housing provident fund management center of the original deposit place. Fourth, Beijing registered employees who have paid the housing provident fund in other places can apply for loans from the Beijing Housing Provident Fund Management Center with the payment certificate issued by the housing provident fund management center in the place of employment if they buy the first set of self-occupied housing in Beijing. Five, cancel the evaluation of new commercial housing. It will be implemented on January 1, 215. In June 215, Beijing Housing Provident Fund Management Center issued a notice to simplify the procedures for withdrawing housing provident fund for renting. The notice stipulates that employees who rent public rental housing will be paid in full according to the actual rent expenditure. Workers renting commercial housing, only provide no proof of real estate, each person's monthly withdrawal amount does not exceed 15 yuan. The notice pointed out that if employees and their spouses do not own their own houses and rent houses in the administrative area of Beijing, they can withdraw the housing provident fund of both husband and wife to pay the rent. If the employee provides not only the proof of no real estate, but also the rental contract and the invoice of the actual rent expenditure, it can be handled in accordance with the process of "each time, the housing accumulation fund within 3 months before the application date can be withdrawn, and the amount withdrawn each month shall not exceed the amount paid by himself or the actual monthly rent expenditure". On September 11, 215, Beijing Housing Provident Fund Management Center issued the Notice on Adjusting the Minimum Down Payment Ratio of Housing Provident Fund Personal Loans, in order to further improve the housing provident fund personal loans (hereinafter referred to as loans) policy and support the reasonable housing needs of employees. According to the provisions of the Notice on Adjusting the Minimum Down Payment Ratio of Housing Provident Fund Personal Housing Loan (Jian Jin [215] No.128) jointly issued by the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China, The relevant matters concerning the adjustment of the minimum down payment ratio of loans are hereby notified as follows: 1. For the loan applicants who have shown in the housing transaction ownership information inquiry system of Beijing Housing and Urban-Rural Development Committee that they have one set of housing and have settled the corresponding housing provident fund personal loan (including the housing provident fund policy discount loan) to buy a second set of housing, the second set of housing loan policy will be implemented, and the minimum down payment ratio will be reduced from 3% to 2%. Two, this notice shall come into force as of September 14, 215. Where the previous provisions are inconsistent with this notice, this notice shall prevail. Beijing Housing Provident Fund Management Center 42258 On April 2, 218, there was no need to prove the purchase of a house outside Beijing. The above is the introduction of Beijing housing provident fund loan policy. The loan applicant purchases policy-oriented housing or the first set of self-occupied housing with Taoxing construction area below 9 square meters (inclusive), and the maximum loan amount is adjusted to 1.2 million yuan. For those who purchase non-policy housing with Taoxing construction area above 9 square meters or the second set of housing, the maximum loan amount is still 8, yuan.