What are the rules for Zhengzhou to apply for a portfolio loan?

First, the loan knows that Zhengzhou has applied for a portfolio loan. What are the rules?

Portfolio loans are provident fund commercial loans.

The first is the quota: there is an upper limit for provident fund loans, like the 300 thousand you mentioned above. As for commercial loans, strictly speaking, there is no requirement, and income = twice the monthly repayment amount of commercial loans.

Term: 30 years for general commercial banks-existing house age = loan term (up to 30 years).

Some banks can also use the applicant's age to subtract your age to calculate the loan period (up to 30 years), such as 70 or 65 years.

Second, Zhengzhou 202 1 portfolio loan policy?

Zhengzhou 202 1 Latest portfolio loan policy: 30% down payment, 600,000 personal provident fund, 800,000 for both husband and wife, and the rest commercial loans. Provident fund payment units and society

Third, Zhengzhou introduced a new provident fund policy to raise the threshold for loans.

Recently, Zhengzhou Housing Provident Fund Management Center of Henan Province issued the Notice on Adjusting the Policy of Using Housing Provident Fund.

It is reported that this new policy mainly involves four major adjustments, including adjusting some loan application conditions, adjusting the criteria for determining repayment ability, carrying out personal credit reporting and adjusting some withdrawal policies.

Zhengzhou Housing Provident Fund Management Center pointed out that since 2020, the demand for housing provident fund has increased substantially, resulting in a rapid increase in the utilization rate of housing provident fund loans and tight liquidity. In order to adjust the contradiction between supply and demand of funds and ensure the sustained and healthy development of various businesses of housing provident fund, it is necessary to adjust some policies on the use of housing provident fund.

The full text is as follows:

Housing provident fund deposit units (employees) and management institutions:

In order to further implement the general requirements of living and not speculating, focus on ensuring the use demand of housing provident fund for families who just need to buy houses and long-term paid employees, and ensure the sustained and healthy development of various businesses of housing provident fund, the 45th meeting of Zhengzhou Housing Provident Fund Management Committee deliberated and passed, and decided to adjust some housing provident fund use policies. The relevant matters are hereby notified as follows:

I. Adjusting some loan application conditions

To apply for housing provident fund loans, the applicant shall meet the conditions of continuous normal deposit of housing provident fund 12 months or more, normal account status, and recent deposit of no more than 4 months (except for high-level talents and retired soldiers under 3 years).

Second, adjust the criteria for determining repayment ability.

When examining and approving housing provident fund loans, the monthly repayment amount of housing provident fund loans calculated according to the longest repayment period and the selected repayment method shall not exceed 50% of the family's monthly income.

Third, carry out personal credit inquiry.

The examination and approval department of housing provident fund loans shall not issue housing provident fund loans to applicants with three consecutive or six accumulated personal bad credit records in the past two years (including the spouse who applied for loans, the same below), or to applicants who are under the "blacklist" management of Zhengzhou housing provident fund. The applicant and spouse agree and authorize the loan acceptance department to inquire about their personal credit records with the credit information system of the People's Bank of China.

Fourth, adjust the relevant extraction policies.

If you purchase a house and withdraw the housing provident fund, you can withdraw the housing provident fund within 2 years after the purchase, with the purchase procedures or vouchers filed by the real estate transaction or real estate registration department and the invoices and deed tax payment vouchers issued by the tax department. The total amount withdrawn should not exceed the amount paid at the time of purchase.

Before the settlement of the housing provident fund loan, the balance of the deposit account of the borrower (including the borrower who has issued the loan certificate in different places and handled the loan in other housing provident fund management institutions) and his spouse can only be used to repay the principal and interest of the housing provident fund loan, and shall not be withdrawn for other reasons.

Verb (abbreviation of verb) and other related matters

(1) If the borrower is a high-level talent or a retired soldier for less than 3 years, and the housing provident fund deposit account has been opened for less than 12 months, but the account status is normal, it is determined to meet the housing provident fund loan conditions according to the deposit status; If the borrower's spouse is a high-level talent or an active serviceman, he/she shall meet the conditions of housing provident fund loan according to the deposit, and verify his/her identity and income according to relevant documents and materials.

(2) The monthly income of the borrower's family shall be determined according to the sum of the minimum deposit bases of the housing accumulation fund of both husband and wife in the last 12 months. If the borrower is unmarried, divorced, widowed and has not remarried, and the spouse has not paid the housing provident fund or the payment period is less than 12 months, the monthly income of the borrower's family shall be determined according to the single payment base of the housing provident fund.

(three) the balance of the family housing provident fund deposit is the sum of the balance of the housing provident fund deposit account of both husband and wife when applying for a loan. The account balance with insufficient deposit 12 months and the amount returned without justifiable reasons are not included in the household deposit balance.

(4) The amount of housing provident fund loans in newly-added portfolio loans and the amount of discount loans in newly-added discount loans shall be approved according to the adjusted policies.

(5) When employees who deposit in different places apply for housing provident fund loans, they shall be examined and approved with reference to the same conditions of local employees to verify the authenticity of the deposits, loans and existing houses of the applicants and their spouses.

The fourth content of this notice shall be implemented as of the date of promulgation, and the other contents shall be implemented as of August 20021and 16, and the implementation period is tentatively set at 2 years. Applications for housing provident fund loans that have been signed (filed by the real estate management department) or passed by the first instance before the implementation date will continue to be handled according to the original policy.

Zhengzhou housing fund management center

202 1 July 16

Policy interpretation

In order to implement the decision of the 45th meeting of Zhengzhou Housing Provident Fund Management Committee, Zhengzhou Housing Provident Fund Management Center issued the Notice on Adjusting the Use Policy of Housing Provident Fund in July, 20021(Zheng Provident Fund [202 1] No.41), which adjusted some housing provident fund use policies. The adjustment content is now explained as follows:

I. Background and purpose of policy adjustment

Since 2020, the demand for housing provident fund has increased sharply, which has led to a rapid increase in the utilization rate of housing provident fund loans and a tight liquidity of funds. In order to adjust the contradiction between supply and demand of funds and ensure the sustained and healthy development of various businesses of housing provident fund, it is necessary to adjust some policies on the use of housing provident fund. The adjustment of the use policy of housing provident fund, continue to adhere to the concept of housing and not speculating, moderately raise the application threshold of housing provident fund loans, and further refine the approval criteria for partial withdrawal and loan business, aiming at adjusting the concentration of housing provident fund use demand and better ensuring the housing provident fund loan demand of families who just need to buy houses and long-term paid employees.

Second, the interpretation of the content of policy adjustment

There are four main aspects in the adjustment of housing provident fund use policy:

(1) adjusted some loan application conditions.

According to the original policy, applicants applying for housing provident fund loans should meet the conditions of the applicant's continuous normal deposit of housing provident fund for more than 6 months, normal account status, and recent unpaid amount of less than 4 months.

The new policy stipulates that applicants who apply for housing provident fund loans should meet the conditions that the applicant has paid the housing provident fund 12 months continuously and normally, the account status is normal, and the amount that has not been paid recently is less than 4 months.

After the adjustment of the application conditions for housing provident fund loans, the application threshold for housing provident fund loans has been raised, which can effectively adjust the application concentration of housing provident fund loans and ease the contradiction between supply and demand of funds. Employees whose deposit time is less than 1 year cannot apply for housing provident fund loans or portfolio loans temporarily.

(2) Adjusted the repayment ability standard.

According to the original policy, when approving housing provident fund loans, the monthly repayment amount of housing provident fund loans calculated according to the longest repayment period and the selected repayment method shall not exceed 60% of the family's monthly income.

The new policy stipulates that when approving housing provident fund loans, the monthly repayment amount of housing provident fund loans calculated according to the longest repayment period and the selected repayment method shall not exceed 50% of the family's monthly income.

After the adjustment of repayment ability identification standard, housing provident fund loans and commercial housing loans of banks have the same repayment ability identification standard, which is conducive to preventing loans overdue risk of housing provident fund. This provision will not have a big impact on housing provident fund loans, but the maximum loan amount for families with low repayment ability will be slightly reduced.

(C) to carry out personal credit inquiry

The new policy stipulates that the housing provident fund loan examination and approval department shall not approve the issuance of housing provident fund loans to applicants with three consecutive or six accumulated personal bad credit records (including the spouse who applied for loans, the same below) or those who are under the "blacklist" management of Zhengzhou housing provident fund.

This policy is a new addition. In the past, when approving housing provident fund loans, only the depositors in the "blacklist" of Zhengzhou housing provident fund management were restricted. This time, the requirement of inquiring personal credit information has been increased, which will guide people to establish credit awareness and promote the construction of social credit system. After the implementation of personal credit inquiry, if there is a serious bad record of personal credit, you will not be able to apply for housing provident fund loans.

(d) Some extraction policies have been adjusted.

According to the original policy, if the housing provident fund is withdrawn for the purchase of housing, it can be withdrawn within 5 years after the purchase, with the purchase procedures or vouchers filed by the real estate transaction or real estate registration department, as well as the invoices and deed tax payment vouchers issued by the tax authorities, and the total amount of withdrawal shall not exceed the paid purchase price.

According to the new policy, if the housing provident fund is withdrawn for the purchase of housing, the housing provident fund can be withdrawn within 2 years after the purchase, with the purchase procedures or vouchers filed by the real estate transaction or real estate registration department and the invoices and deed tax payment vouchers issued by the tax department, and the total amount of withdrawal shall not exceed the amount paid for the purchase. Before the settlement of the housing provident fund loan, the balance of the deposit account of the borrower (including the borrower who has issued the loan certificate in different places and handled the loan in other housing provident fund management institutions) and his spouse can only be used to repay the principal and interest of the housing provident fund loan, and shall not be withdrawn for other reasons.

The original housing withdrawal policy is a temporary policy formulated according to the Administrative Measures for the Withdrawal of Housing Provident Fund in Henan Province (Trial) (Yuguan [2065438+05] No.30). Since the document has been declared invalid, the time limit for housing withdrawal has been readjusted according to the current funding situation, and the withdrawal restrictions have been imposed on families with outstanding housing provident fund loans. The purpose of adjusting the partial withdrawal policy is to moderately curb withdrawal, increase revenue and reduce expenditure, and better guarantee the capital demand for loan issuance.

In addition, in order to better continue to implement other contents of the original loan policy, the adjustment of the housing provident fund use policy has also made a more standardized statement on special group preferential policies, the determination of family monthly income and deposit account balance, the verification of application materials for loans in different places, and how to implement the housing provident fund loan policy for portfolio loans.

Three. Answers to other related questions

(a) after the implementation of the new policy, will it affect the use of housing provident fund loans by families who are buying houses?

In the new adjustment of housing provident fund use policy, the transition period of housing provident fund loan policy is 1 month, except that the withdrawal policy is implemented from the date of promulgation. After the end of the transition period, if a house purchase contract has been signed (subject to the filing of the housing management department) or the pre-trial (stock housing loan or portfolio loan) has been completed, you can continue to handle the corresponding loan business according to the original policy. Therefore, it will not affect the use of housing provident fund loans by families who are buying houses.

(2) What impact does the new policy have on the withdrawal of employee housing provident fund?

After the implementation of the new adjustment of the housing provident fund use policy, if it is planned to withdraw the housing provident fund on the grounds of buying a house, if the purchase time is less than 2 years, it can continue to handle the withdrawal business on the grounds of buying a house, and if the purchase time is more than 2 years, it can no longer handle the withdrawal business on the grounds of buying the suite; For families with outstanding housing provident fund loans, both husband and wife can only handle the extraction business or entrust the extraction and return (repayment) business of housing provident fund loan principal and interest on the grounds of returning the housing provident fund loan principal and interest, and cannot handle the extraction business for other reasons.

(3) What changes have the new policy brought to the application for housing provident fund loans?

After the implementation of the new adjustment of housing provident fund use policy, there are three main impacts on housing provident fund loans or portfolio loans: first, if the housing provident fund has been deposited for less than 12 months, it is necessary to suspend the application for housing provident fund loans (12 months later); The second is to reduce the maximum approval amount of housing provident fund loans for families with low repayment ability; Third, individuals with serious bad credit records will not be able to apply for housing provident fund loans.

Zhengzhou housing fund management center

202 1 July 16

IV. Zhengzhou 202 1 Portfolio Loan Policy?

Zhengzhou 202 1 Latest portfolio loan policy: 30% down payment, 600,000 personal provident fund, 800,000 for both husband and wife, and the rest commercial loans. The payer of provident fund and the payer of social security must be the same!