At the19th plenary meeting, the Beijing Housing Provident Fund Management Committee approved the adjustment of the loan policy by the Beijing Housing Provident Fund Management Center. This policy adjustment will be implemented from September 20 17 18. If the loan application has been submitted or the online signing has been completed before September 20 17 18, it will still be implemented according to the pre-adjustment policy.

First of all, adjust the train of thought:

1, adhere to the policy of housing provident fund loans, and focus on supporting paid workers' families who purchase the first home and use personal housing loans for the first time;

2. Differentiated loans, more fair, and detailed down payment requirements;

3. Improve risk prevention from three aspects: adjusting loan life, repayment amount and guarantee method;

4. Optimize the loan management process, streamline the loan application materials, slim down the loan files, and repay the loan nearby.

Second, important changes:

1. When applying for housing provident fund loans, "both the house and the loan are recognized", and "the loan is recognized" refers to the whole country.

If there is no housing loan record (including commercial loans and provident fund loans) under the name of the family buying a house and there is no housing in this city, it shall be handled according to the first home loan policy; Those who do not belong to the first suite and are approved as the second suite shall be handled according to the second suite loan policy. If there are two or more houses approved, the loan will not be granted. If it is a loan record of buying a house in a different place, it will also be regarded as a loan record.

2 ordinary housing down payment from 35%, two sets of non-ordinary housing down payment from 80%.

According to the current commercial loan policy, the down payment ratio was adjusted. That is, the down payment ratio of the first set of ordinary housing is not less than 35%, and the down payment ratio of the first set of non-ordinary housing is not less than 40%. The down payment ratio of the first set of housing for purchasing policy housing such as * * * property housing shall not be less than 30%. If you buy ordinary housing and it is a second house, the down payment ratio shall not be less than 60%, and the down payment ratio for purchasing non-ordinary housing shall not be less than 80%. In order to reflect the policy support for low-income families, the down payment ratio for purchasing affordable housing is not less than 20%.

Note: The down payment ratio of portfolio loans will not increase as a result. Originally, portfolio loans were based on the principle of high, that is, if the down payment ratio of commercial loans is higher than that of provident fund loans, then the down payment ratio will be determined according to commercial loans. After the down payment ratio of provident fund loans and commercial loans is in line, the down payment ratio is the same. If not, the principle will be high and the down payment ratio will be the same as before.

3. Loan amount: the provident fund can be loaned more than 654.38 million yuan every year.

The differentiated loan policy is implemented, and the loan amount is linked to the borrower's housing provident fund deposit period, that is, the provident fund can borrow 6,543,800 yuan per year. If the deposit period is less than 6,543.80+0, the maximum loan can be 6,543.80+0.2 million yuan. At the same time, the maximum loan amount of the second home loan was lowered from 800,000 yuan to 600,000 yuan.

Note: If the loan applicant is married, the loan amount shall be calculated by the spouse who has paid for it for a long time.

Policy Comment: The relevant person in charge of the Provident Fund Center said that this move is to implement the national policy of "rent and purchase at the same time", and young people are not encouraged to buy a house just after working, and then buy a house after accumulation.

4. The longest loan period shall not exceed 65 years old, and the monthly repayment amount shall not exceed 60% of the monthly income.

The loan period is adjusted from the longest calculation to the borrower's 70-year-old, and in principle, the longest is no more than 65-year-old. If the loan applicant is married, the loan term shall be calculated according to the longer of the husband and wife. This provident fund loan also adjusted the standard that the monthly repayment amount calculated by the matching principal and interest repayment method should not exceed 60% of the borrower's monthly income, and determined the loan amount and loan term.

Policy Comment: At present, the main families of provident fund loans are post-80s and post-90s, with fewer after 70s and even fewer after 60s. Therefore, the adjustment of the loan term has little effect on the purchase family. Adjusting the monthly repayment amount can more truly reflect the borrower's repayment ability and reduce the borrower's repayment pressure.

5. The loan amount for purchasing suburban houses for household registration in East and West Cities can be increased by 200,000 yuan.

Both husband and wife are registered in the East and West Districts. If they buy the first suite outside the six districts of the city (Dongcheng, Xicheng, Chaoyang, Haidian, Fengtai and Shijingshan), the maximum loan amount can rise by 200,000 yuan. If only one party is registered in the East and West Districts, it will increase by 654.38 million yuan.

6. Streamline the loan application materials and archival materials.

You don't need to submit a copy of your ID card and household registration book to apply for a loan. When accepting the application for provident fund loan, you only need to keep the original purchase contract (if it is inconvenient to provide the original, provide a copy) and the original certificate of deposit and use of the loaned employee housing provident fund. The remaining loan application materials, such as household registration book and ID card, shall be kept in the electronic image file after verification. Paper copies are no longer required.

After examination and approval, the loan contract signed by the loan applicant and the management center has also been reduced from the original four to three, one for the loan applicant, one for the entrusted bank and one for the management center.

Note: When the borrower handles the repayment business and changes the deduction account, it can go to the housing provident fund loan center and suburban management department under the management center as needed.

Third, the original policy.

Click to view the original policy.