Provident fund loan reconsideration

What is CPF loan reconsideration, what is the process of reconsideration

This side of the check Shanghai's policy, for reference.

Personal housing loan reconsideration policy

I, application conditions:

Borrower applicant or *** with the borrower applicant due to job changes and other reasons caused by the omission of payment, underpayment and make up for the payment of housing provident fund resulting in does not meet the six consecutive months of contributions or due to other special circumstances caused by the anomalies, the borrower applicant may be in the application of provident fund loans at the same time applying for reconsideration.

Second, for the place:

1, pure provident fund loans by the Shanghai housing property financing Guarantee Co., Ltd. in the districts of the business department acceptance;

2, provident fund combination loans by the city provident fund loan trustee bank outlets acceptance;

3, reconsideration of the application network and loan acceptance network should be the same outlets.

Three, for the essentials:

1, the loan application materials required.

2. Application materials for reconsideration of discontinuous six-month contribution:

(1) the original statement of the situation of the replacement unit, proving the reasons for the omission of the contribution and the replacement of the situation, and stamped with the official seal or personnel department seal; if the applicant's unit entrusts a third party to pay the housing provident fund on behalf of the applicant, it should be indicated that entrusted to pay the provident fund matters and entrusted to the third-party unit name;

(2) social security institutions issued by the (2) The original details of social security contributions issued by the social security agency, which should be matched with the provident fund contributions;

(3) The original and photocopies of the labor contract and other materials proving the labor relationship signed by the applicant and the unit of housing provident fund;

(4) If the applicant is a provincial or city provident fund transferring to Shanghai resulting in the non-consecutive 6 months of contributions, he/she is only required to provide the valid certificates of the uninterrupted housing provident fund contributions before and after the transfer. Original and photocopy.

3. If the applicant needs to reconsider the case due to other special circumstances, he/she must provide other relevant materials.

4. Attendance:

The same as the loan acceptance attendance.

To summarize: each region's housing fund network has a formula for the documentation requirements and processes.

Social security and provident fund (1 year) retroactive payment of the completion of the documents;

Labor contract documents original;

Purchase of housing contract documents application materials;

I also happen to be in the policy to understand, if someone reconsideration of the experience of the adoption of the same share it.

PF loan review did not pass how to do? Hurry up and reconsider!

If you need to buy a house with a CPF loan, then you need to qualify for a CPF loan, and you can reconsider if you don't pass the audit. So what is the scope of application of the review of provident fund loans in Shanghai? And what is the process?

One, what is the need for CPF loan reconsideration

If the buyer in the CPF loan application process, due to the "not consecutive 6 months" and other conditions do not meet the CPF loan conditions resulting in the failure to pass the audit, can be reconsidered.

There are many reasons for not making continuous contributions, such as job transfer, job-hopping and so on. For example, if a home buyer's CPF contribution is cut off due to a job change, and then the company makes up for the outstanding CPF contribution, and the CPF contribution has been remitted normally when applying for a loan, the home buyer can apply for a loan reconsideration, and if the reconsideration passes, then they can apply for a housing CPF loan normally.

Two, for the CPF loan reconsideration of the need for the six essentials

1, the original purchase contract;

2, the borrower and his spouse, *** with the borrower's CPF account number;

3, ID card, household registration, marriage certificate originals and photocopies;

4, "the family name housing information status query form" photocopies (by the loan The accepting organization will make the inquiry on behalf of the family;

5. If applying for a combination loan, the name of the branch of the trustee bank should be provided;

6. Other relevant materials.

Three, the process of reconsideration of provident fund loans

Reconsideration process: individuals apply for reconsideration and provide essential materials - Shanghai Housing Real Estate Guarantee Company Limited business outlets to review the materials and acceptance - reconsideration approval --The business outlets print the reconsideration results.

If the reconsideration is carried out, then the whole process of purchasing a house is as follows: viewing the house - signing the contract - paying a deposit - checking the eligibility of provident fund loans --Sign the purchase contract --Apply for CPF reconsideration --Loan approval --Tax review --Transferring the house --Out of the property license.

Fourth, the time limit for the reconsideration of the CPF loan

Generally within 7 working days after acceptance, the home buyer will be able to get the result of the reconsideration. At this time, homebuyers can go directly to the branch to make inquiries, or through the Home Ownership Guarantee Corporation or the Provident Fund Management Center's phone number to make inquiries. If the reconsideration is approved, the homebuyer can wait for the release of funds and proceed to the next step of the home-buying process.

V. Shanghai housing property guarantee company external business outlets list

A friendly reminder: Shanghai housing property guarantee company customer service line: 62877; Shanghai housing provident fund hot line: 12329; suggested that friends in Shanghai to buy a home in case of demand can be consulted in advance.

(The above answer was posted on 2016-11-22, the current relevant housing policy please prevail in practice)

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Housing Provident Fund to make up for the impact of the provident fund loan?

Whether or not a housing fund contribution affects a provident fund loan depends on the actual situation.

1, provident fund loans require loans six months before the continuous normal contribution to the housing fund, if there is a break in payment, make-up payments, etc., is not a continuous normal contribution, is not normal to apply for a provident fund loan.

1, if the unit to make up for the unpaid housing fund, and in the case of applying for a loan unit has been normal remittance of housing fund, you can apply for a loan reconsideration, if the reconsideration passes, then you can apply for a housing fund loan,

2, if the reconsideration review did not pass, then it must be the new unit to be a continuous normal contribution to the housing fund for six months before you can apply for a loan. The new unit will be able to apply for the loan after 6 months of continuous and normal contributions.

3, if the next home does not contribute to the Supplementary Housing Provident Fund, then the Supplementary Housing Provident Fund can not be unlocked for normal contributions, but not unlocked will not affect the use of the account balance after the loan to offset the loan business.

2. Notes:

1. Normal supplementary contribution, i.e., supplementary contribution in the form of centralized remittance, refers to the centralized supplementary contribution for a period of time after an individual (not the unit as a whole) interrupts the remittance of provident fund for some time for the purpose of resuming normal remittance of the employee by the unit for the period of time. In the normal remittance business, the monthly remittance amount should be equal to the employee's monthly remittance amount;

2. Indeterminate remittance refers to the one-time remittance made after opening an individual account for the employee when he/she is transferred from a foreign province or city;

3. For the unit as a whole that wants to resume the normal remittance after a period of arrears of remittance or the unit as a whole that has taken a centralized remittance once in a couple of months, the remittance shall not be used in the way mentioned above, and it should be The unit should be treated as normal remittance, otherwise the unit will still be in the state of arrears;

4. When the unit handles the remittance business, it should fill in the type of remittance correctly in the remittance register in order to allow the center teller to make the correct judgment and handle the remittance accordingly;

5. There should be no traces of alteration of the individual account number, name, remittance amount, etc. in the Housing Provident Fund Remittance Register filled in by the unit. traces.

Expanded Information:

Make-up Contributions

Terms for Making-up Contributions

When a unit collectively pays in the previous year's deferred contribution of provident fund and unpaid provident fund, or when an individual employee omits to contribute to the provident fund, the contribution must be completed by making-up contributions. be completed by way of retroactive contributions.

The procedures for making supplementary contributions

1. The unit should fill in the "Replacement Contribution Letter for Provident Fund" printed by the Provident Fund Management Center.

2, the unit to fill in the management center unified printing of the "provident fund remedial contributions to the inventory" in duplicate, stamped with the seal of the unit.

3. If the reason for making supplementary contributions needs to be explained separately, a copy of the supplementary contribution statement should be submitted and the official seal of the unit should be affixed.

Make-up Contributions

1. The unit fills in the "Provident Fund Replacement Contribution Book", "Provident Fund Replacement Contribution Inventory" and the transfer cheque with the same amount as the "Provident Fund Replacement Contribution Book" printed by the Provident Fund Management Center, and then goes to the Department of Management to handle the repayment of the contribution. For those who have not set out the reasons for making supplementary contributions in the CPF Replacement Contribution Register, a copy of the statement of supplementary contributions should also be reported.

2. The counter staff of the Management Department will review the CPF Repayment Letter, CPF Repayment Register and the transfer cheque, and after confirming the repayment of the contribution, the counter staff will print two copies of the CPF Repayment Letter, stamp one copy of which will be returned to the unit operator, and one copy of which will be retained for future reference.

Contribution ratio

In 2018, the contribution ratio of Shanghai's housing provident fund for employees and units is 5% to 7% each, and units can independently determine the contribution ratio of their provident fund within the range of 5% to 7% each.

In April 2016, the Ministry of Housing and Construction, together with the National Development and Reform Commission, the Ministry of Finance and the People's Bank of China, had jointly issued a document to make it clear that the policy of appropriately lowering the proportion of housing provident fund contributions in phases would be implemented from May 1, 2016, and would be carried out on a two-year basis for the time being.

The Notice on Improving the Housing Provident Fund Payment Mechanism to Further Reduce Enterprise Costs, issued in April 2018, extended the policy of appropriately reducing the proportion of enterprises' housing provident fund contributions on a phased basis to April 30, 2020, in order to reduce the cost of the real economy and reduce the non-tax burden on enterprises.

Since July 1, 2018, many places have begun to implement the new annual housing provident fund contribution policy: the implementation period of the policy of lowering the proportion of enterprise housing provident fund contributions was extended to April 30, 2020, the proportion of housing provident fund contributions and the upper and lower limits were standardized, the upper and lower ceilings of the provident fund contributions were adjusted, the upper limit of the provident fund contribution base or the upper limit of the monthly contributions were adjusted, and the enterprises with difficulties in production and operation could apply for lowering the proportion of their contributions to the provident fund or deferring the contributions.

Nationally, a few cities, including Beijing, Nanjing, Jinan and Lishui, have monthly housing fund contribution ceilings of more than 6,000 yuan (corresponding to 25,000 yuan of the fund's contribution base). Among them, Jinan and Lishui, the two places of the CPF monthly deposit ceiling exceeded Beijing.