Fushun City Housing Provident Fund Individual House Purchase Loan Management Measures Chapter 1 General Provisions Article 1 In order to strengthen the management of housing provident fund loans and safeguard the legitimate rights and interests of both borrowers and lenders, in accordance with the provisions of the "Housing Provident Fund Management Regulations" and other laws and regulations, combined with the actual situation of this city

, formulate these measures.

Article 2 The term “housing provident fund personal home purchase loans” (hereinafter referred to as “housing provident fund loans”) as mentioned in these Measures refers to special loans issued to employees who have paid housing provident funds in accordance with regulations and are used to purchase self-occupied housing using the housing provident fund as the source of funds.

Article 3 Fushun Housing Provident Fund Management Center (hereinafter referred to as the Provident Fund Management Center) is the management agency for housing provident fund loans in this city.

The housing provident fund loan business is handled by the bank entrusted by the provident fund management center (hereinafter referred to as the agency bank).

The risks of housing provident fund loans are borne by the provident fund management center.

Chapter 2 Loan Conditions and Procedures Article 4 A borrower applying for a housing provident fund loan shall meet the following conditions: (1) Continuously paying in full the housing provident fund for more than one year; (2) An active employee working in this city; (3)

) Have stable economic income and the ability to repay the principal and interest of the loan; (4) Have the relevant procedures for purchasing self-occupied housing and the prescribed proportion of self-raised funds; (5) House owners who purchase self-occupied housing in cities and towns within this administrative region;

(6) Agree to handle housing provident fund loan guarantees; (7) Other conditions stipulated by laws, regulations and rules.

Article 5 The borrower shall not apply for a housing provident fund loan again before repaying the housing provident fund loan.

Article 6 When applying for a housing provident fund loan, a borrower shall apply to the Provident Fund Management Center and submit the following materials: (1) Resident ID card, marriage certificate and spouse’s resident ID card if you have a spouse, or unmarried or spouse if you are unmarried or without a spouse.

No spouse certificate; (2) Commercial house purchase contract, sales (pre)sale license, house floor plan, completion acceptance record; (3) Proof of first-phase purchase payment; (4) Income certificate issued by the unit.

Article 7 The Provident Fund Management Center shall make a decision on whether to grant a loan or not within 10 working days from the date of accepting the loan application, and notify the applicant in writing; if the loan is approved, the Provident Fund Management Center shall sign a personal housing contract with the borrower.

Loan Contract.

Article 8 After being approved for a loan, the borrower shall handle the loan mortgage procedures in accordance with the loan contract.

The provident fund management center shall entrust the agency bank to transfer the loan funds for the purchase of commercial housing to the bank account opened by the selling unit within 10 working days after the borrower completes the relevant procedures.

Chapter 3 Loan Amount, Term and Interest Rate Article 9 The loan amount shall not exceed 70% of the borrower’s purchase price, and the maximum shall not exceed 250,000.

Article 10 The sum of the loan term and the borrower’s age shall not exceed the borrower’s legal retirement age, and shall not exceed 25 years at most.

Article 11 The loan interest rate shall be based on the provident fund loan interest rate promulgated by the People's Bank of China.

If the loan period is one year, the contract interest rate will be applied. If the statutory interest rate is adjusted, interest will not be calculated in stages. If the loan period is more than one year, if the legal interest rate is adjusted, new interest rates will be implemented based on the corresponding interest rate starting from January 1 of the following year.

interest rate.

Chapter 4 Loan Repayment Article 12 The borrower shall repay the principal and interest of the loan according to the repayment method and repayment plan stipulated in the loan contract.

Article 13 To repay the loan principal and interest on a monthly basis, the borrower can choose one of the following two principal and interest repayment methods: (1) Equal principal repayment method: monthly loan principal and interest repayment = loan principal/loan

Number of months in the term (loan principal - cumulative amount of repaid principal)

/ [(1-month interest rate) number of repayment months - 1] Article 14 The borrower may repay part or all of the loan in advance one year after the loan term expires, and must go through relevant procedures in accordance with regulations.

Article 15 The borrower can withdraw the balance of the housing provident fund account of himself and his spouse to repay the loan.

Article 16 The borrower shall open a personal bank settlement account at the agency bank and deposit a deposit of no less than the current repayment amount before the monthly repayment date.

The agent bank shall transfer the funds in a timely manner as stipulated in the contract.

Chapter 5 Loan Mortgage Article 17 If the borrower uses the purchased house as a mortgage, the borrower shall sign a written mortgage contract with the Provident Fund Management Center and go through the mortgage registration procedures with the property rights management agency.

Article 18 If the borrower uses the purchased house as a mortgage, the full value of the house must be used as mortgage for the loan.

During the mortgage period, the borrower shall not mortgage the mortgaged property repeatedly and shall be responsible for repairing, maintaining and ensuring the integrity of the mortgaged property.

Article 19 The mortgage period starts from the date of mortgage registration and ends when the borrower repays all the principal and interest of the loan.

After the mortgage contract is terminated, the parties concerned shall, in accordance with the contract, release the established mortgage rights and go through the mortgage cancellation procedures with the property rights management agency.

Article 20 If the borrower uses the purchased self-occupied house under construction as a mortgage, before obtaining the house ownership certificate, he can use all the rights and interests in the signed house purchase contract as a mortgage and register it with the property rights management agency.

During the mortgage period, the Provident Fund Management Center is the first beneficiary of all the rights and interests of the mortgaged property.