Guangzhou: Provident Fund Discount Loans Recently "Hit The Road"

Guangzhou provident fund loans currently one person 500 thousand yuan, two yuan 800 thousand yuan quota ceiling is expected to formally increase.

Reporters yesterday from the Guangzhou housing provident fund management center was informed that the Guangzhou housing provident fund management committee recently held the third five meeting, the meeting examined the Guangzhou housing provident fund management center reported on the adjustment of the maximum amount of personal housing provident fund loans, "on the adjustment of housing provident fund extraction conditions", "on the adjustment of our housing provident fund loan risk reserve method of raising the views of 7 opinions".

The reporter learned from the insider that the meeting approved the plan to raise the maximum amount of the provident fund loan, which will be formally promulgated and implemented after the approval of the Guangzhou municipal government.

It will be announced at that time.

At the same time, the interest rate of the interest rate loans entrusted by the future banks will be executed according to the interest rate agreed between the borrower and the entrusted bank, and the interest rate of commercial individual housing loans executed by the entrusted banks in the same period will be taken into account.

The borrower will submit the housing accumulation fund loan application form and related information to the contractor bank; after undertaking the application of the bank's employees, it will submit the audit before the loan to the provident fund center.

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Central related business sources said that at that time, it would not carry out related businesses in all banks. Instead, it would select a number of eligible banks to conduct pilot projects according to the actual needs of the business.

The interest difference between the discount loan and the provident fund loan will be entrusted to the borrower by the central bank on a monthly basis.

The notice issued by the three ministries and commissions before the holiday also demanded that the loan business in different places should be implemented in an all-round way.

In order to purchase houses outside the place of deposit, workers can apply for personal housing loans to the housing provident fund management center of the purchase place according to the housing accumulation fund personal housing loan policy.

Guangzhou housing provident fund management center stakeholders told reporters that in fact, Guangzhou has been actively promoting the development and promotion of mutual funds in different places in recent years.

Previously, 8 cities in the Pearl River Delta, including Guangzhou, Foshan, Zhuhai, Huizhou, Jiangmen, Zhongshan, Dongguan and Zhaoqing, had signed the mutual fund loan agreement. Although the agreement was not renewed after the expiration of the agreement, the cities with mutual loan conditions were still implementing relevant policies.

Not long ago, the mutual loan between provident fund and Guangzhou was realized. However, in the future, if the mutual fund loans extended to the whole country and covered a wider range, we need to study specific methods and detailed rules in Qingyuan.

Reporters learned that the current implementation of the Guangzhou provident fund mutual loan policy, the terms of its loans and loan amount is different from the purchase of local provident fund loans in Guangzhou.

Taking the mutual fund loan agreement between Guangzhou and Qingyuan this year as an example, the loan requirements are: Qingyuan's household registration or actually stationed in Qingyuan City, and workers who have paid more than 6 months' housing provident fund in Guangzhou continuously. If there is no housing in Qingyuan, if they buy self occupied housing in Qingyuan, they can apply for the Guangzhou provident fund loan.

And Qingyuan housing provident fund workers to Guangzhou housing purchase, in accordance with the relevant provisions of Guangzhou housing provident fund loans, but also to comply with the current "panicle six" purchase restriction policy.

Before the holiday, the Ministry of housing and other three ministries and commissions jointly issued a notice requiring all provident fund management centers to enhance the efficiency and service level of the provident fund from 8 aspects.

Reporters learned from the Guangzhou housing provident fund management center, from the beginning of this year, Guangzhou has abolished the provident fund loan quota control measures.

Since June 8th, Guangzhou has also adjusted the personal housing provident fund loan policy, lowering the application threshold.

And the three ministries and commissions put forward the implementation of the monthly pfer fund to repay the loan principal and interest business. Guangzhou is now preparing vigorously to win the monthly repayment of loans within the year.

In addition, in recent years, the Guangzhou provident fund center has built an online office hall, and the main business and service items such as deposit and withdrawal can be handled online.

At present, Guangzhou is still building mobile APP (mobile client) and WeChat service system, and mobile APP self service is expected to be put into use in the near future.