In order to help the steady and healthy development of the city's real estate market, promote the real estate market to stop falling and stabilize, stimulate the vitality of the real estate market, further play the role of housing provident fund housing security, improve the efficiency of housing provident fund personal housing loan services, improve service experience, and break through the borrower's service blockage, Beijing Housing Provident Fund Management Center (hereinafter referred to as the Provident Fund Center) today (October 15) issued the "Notice on Carrying out the Pilot Work on Improving the Quality and Efficiency of Housing Provident Fund Personal Housing Loan Services" (hereinafter referred to as the "Notice"). Combined with the actual situation of the provident fund loan business, the "Notice" has formulated a series of measures to improve quality and efficiency, so as to provide more high-quality and efficient services for provident fund loan borrowers. The original text is as follows:
Beijing Housing Provident Fund Management Center
Regarding the development of the increase in the housing provident fund personal housing loans
Notice of the pilot work on service quality and efficiency
The loan handling departments under the Beijing Housing Provident Fund Management Center, the commercial banks and related appraisal companies and financing guarantee companies entrusted with the personal housing loan business of the Housing Provident Fund:
In order to thoroughly implement the spirit of the Third Plenary Session of the 20th Central Committee, continue to support residents' rigid and diversified improved housing needs, promote the steady and healthy development of the city's real estate market, further play the role of housing provident fund in housing security, improve the service efficiency of housing provident fund personal housing loans (hereinafter referred to as loans), improve service experience, break through the borrower's service blockages, and stimulate the vitality of the real estate market, approved by the 33rd plenary meeting of the Beijing Housing Provident Fund Management Committee, Notice is hereby given on the pilot work of improving the quality and efficiency of loan services as follows.
1. Streamlining loan materials
1. The online contract of second-hand housing has changed from providing paper materials to obtaining electronic contracts. Where it is possible to call the electronic online contract for verification, it is not necessary to provide the original of the corresponding materials.
2. The seller of the second-hand house has changed from providing the ID card to obtaining the electronic license, and the seller can call the electronic ID card of the seller for verification when cooperating with the loan, and does not need to provide the original ID card. Eligible second-hand housing loans, to achieve "zero materials" application for borrowers.
3. Use the commercial loan application form to fill in the loan application information on your behalf. If the borrower applies for the housing provident fund personal housing portfolio loan (hereinafter referred to as the portfolio loan), the staff of the loan handling department shall enter the commercial loan application form into the system according to the commercial loan provided by the commercial bank, and the borrower shall sign and confirm the content of the form. The new version of the "Beijing Housing Provident Fund Management Center Housing Provident Fund Personal Housing Loan Loan Application Form" was launched.
2. Optimize business processes
1. Portfolio loans have changed from "series review" to "parallel review". In the loan process, the tandem mode of "the center accepts first, and the bank approves later" is optimized to the parallel mode of "the center and the bank approve synchronously". The approval of provident fund loan is synchronized with the approval of commercial loan, and the approval of portfolio loan will be completed within 1 working day if the conditions are met.
2. Optimize the second-hand housing appraisal process. First, the housing appraisal has changed from "after acceptance" to "before acceptance", and the second-hand housing appraisal work carried out after the borrower submits the loan application and the loan handling department accepts the loan is advanced to before the business is accepted, and the housing appraisal company can intervene in the housing appraisal in advance. Second, the assessment results will be transmitted from "paper" to "online", and the paper "Appraisal and Verification Confirmation" transmitted offline by the appraisal company will be changed to an electronic version sent by email, and the loan handling department will review it in advance according to the electronic assessment results.
3. Optimize the mortgage registration, advance notice registration and mortgage release process for newly built housing. First, the second-hand real estate property right certificate has been accelerated from "paper" transmission to "online" transmission, and after the borrower completes the housing property transfer procedures, the real estate property right certificate can be transmitted online, and the physical transmission is optimized into an electronic photo. If the second-hand housing loan is qualified, the financing guarantee company and the commercial bank shall implement the mortgage registration within 1 working day. The second is that the verification of the unmortgage and advance registration of new housing has been changed from "before the interview" to "before the loan", and the verification of the release of the new housing and the advance registration of the pre-purchased commercial housing will be placed outside the internal audit link of the Beijing Housing Provident Fund Management Center (hereinafter referred to as the Provident Fund Center), and the borrower can only be notified of the face-to-face signing after obtaining the "Notification Letter on Agreeing to Sell and Discharge the Mortgage" or completing the pre-registration of the pre-purchased commercial housing before the original interview, and the pre-notice registration can be obtained or completed before the loan is disbursed.
3. Enrich service models
1. Add the mode of "network acceptance and same-day settlement". If the borrower applies at the outlets of the loan handling department, in line with the loan application policy, if the housing appraisal results have been issued before the acceptance of the second-hand house, or the new housing has completed the project survey and confirmed the capping of the building, the preliminary examination, review and face-to-face signing can be completed on the day of loan acceptance, so that the application can be completed immediately in person, and the contract will be signed simultaneously and completed on the same day.
2. Add the mode of "online application and door-to-door signing". If the borrower applies for a loan, the commercial bank shall provide door-to-door face-to-face signing service under the guidance of the loan handling department, and the borrower does not need to go to the counter to handle it.
3. Add the mode of "entrusting the agent, no need to run". After obtaining the authorizing letter from the borrower, the staff of the commercial bank can go to the counter of the loan handling department to submit the loan application on behalf of the borrower, without the need for the borrower to run.
4. Strengthen risk prevention and control
1. The commercial bank entrusted with the loan business shall undertake the service in accordance with the relevant regulations, standards and procedures of the provident fund center, and shall be responsible for the authenticity and compliance of the entrusted agency and the door-to-door interview.
2. All loan handling departments shall strengthen the review and supervision of the loan business entrusted by the commercial banks, and shall conduct an assessment in accordance with the relevant regulations of the provident fund center.
5. Scope of the pilot
Commercial banks entrusted with loan business may carry out business according to the above-mentioned service model after completing personnel training, assessment, filing and other related work, and with the consent of the provident fund center. The Provident Fund Center regularly publishes the list of commercial banks that conduct business according to the above-mentioned service models, and commercial banks that have not completed the relevant preparatory work will still handle the business according to the original model.
This notice shall be implemented from the date of issuance.
Beijing Housing Provident Fund Management Center
October 15, 2024
1. What measures have been taken to improve the quality and efficiency of loan services?
(1) Streamlining service materials
1. The online contract of second-hand housing has changed from providing paper materials to obtaining electronic contracts. Where it is possible to call the electronic online contract for verification, it is not necessary to provide the original of the corresponding materials.
2. The second-hand house seller has changed from providing ID card to obtaining an electronic license, and if the seller can call the seller's ID card electronic certificate for verification when cooperating with the provident fund loan, there is no need to provide the original ID card.
3. Use the commercial loan application form to fill in the loan application information on your behalf. If the borrower applies for the housing provident fund personal housing portfolio loan (hereinafter referred to as the portfolio loan), the staff of the loan handling department of the provident fund center shall enter the commercial loan application form into the system according to the commercial loan application form provided by the commercial bank, and the borrower shall sign and confirm the content of the form.
(2) Optimize business processes
1. Portfolio loans have changed from "series review" to "parallel review". In the portfolio loan process, the tandem mode of "the center accepts first, and the bank approves later" is optimized to the parallel mode of "the center and the bank approve synchronously" to improve the timeliness of loan approval.
2. Optimize the second-hand housing appraisal process. The housing appraisal has changed from "post-acceptance" to "pre-acceptance" of provident fund loans, and the assessment results have been accelerated from the transmission of paper reports to the delivery of electronic reports.
3. Optimize the mortgage registration, advance notice registration and mortgage release process for newly built housing. The transfer of the real estate property right certificate of the second-hand house has been accelerated from "paper" to "online", and the mortgage release and advance registration verification of the new housing have been changed from "before the face-to-face signing" to "before the loan".
(3) Three new service modes have been added
In order to better serve housing provident fund borrowers, improve service experience and improve efficiency, the provident fund center has added three new convenient service models for provident fund loans.
1. "Acceptance by outlets, settlement on the same day" mode. If the borrower applies for a provident fund loan at the counter of the loan handling department of the provident fund center, it meets the loan application policy, if the housing appraisal results have been issued before the acceptance of the second-hand house, or the new housing has completed the project survey and confirmed the capping of the building, the preliminary examination, review and interview can be completed on the day of acceptance.
2. "Online application, door-to-door signing" mode. If the borrower applies for a provident fund loan, the cooperative commercial bank can provide door-to-door signing service under the guidance of the loan handling department of the provident fund center, and the borrower does not need to go to the counter to handle it.
3. "Entrusting an agent, no need to run" mode. After obtaining the authorisation letter from the borrower, the staff of the cooperative commercial bank can go to the counter of the loan handling department of the provident fund center to submit the provident fund loan application on behalf of the borrower, without the borrower running.
2. What are the benefits of the new measures for borrowers?
The Provident Fund Center coordinates with cooperative banks, appraisal companies, Beijing Housing Financing Guarantee Co., Ltd. (formerly Beijing Housing Loan Guarantee Center, hereinafter referred to as the Financing Guarantee Company) and other partners to further improve the quality and efficiency of provident fund loan services by streamlining loan materials, optimizing business processes, and enriching service models, bringing four conveniences to borrowers.
1. Simplify the application procedures, and simplify the "zero materials".
If the second-hand house can obtain the electronic online signing contract and the electronic certificate of the seller's ID card, the borrower's "zero material" application can be realized.
2. Shorten the waiting time and "finish on the same day" as soon as possible.
If the borrower applies at the counter and meets the loan application conditions, such as the housing appraisal results have been issued before the acceptance of the second-hand house, or the new housing has completed the project survey and confirmed the capping of the building, the loan contract can be signed on the same day, shortening the waiting time from the borrower's application for the provident fund loan to the face-to-face signing, and achieving a one-time settlement.
3. Reduce the number of runs, at least "zero runs".
The original single mode of borrowers having to go to the loan handling department of the provident fund center for on-site processing has been expanded to a variety of service models. If the borrower meets the conditions to go to the counter to handle it, the applicant will be interviewed on the same day, and the loan will be signed at most once; If the borrower submits the provident fund loan application online or entrusts a commercial bank to submit the application for the provident fund loan on its behalf, the door-to-door signing service will be provided, and the borrower does not need to run.
4. Optimize the mortgage process, and optimize "staying at home".
After the buyer and seller complete the transaction transfer, the borrower who applies for the provident fund loan (excluding portfolio loan) can upload the real estate property right certificate through the "Housing Financing" WeChat mini program of the financing guarantee company, and the real estate property right certificate can be "collected + returned" without leaving home.
3. When will the implementation date of the new measures begin?
The measures will come into effect on October 15, 2024.
4. What is the scope of the pilot of the new measures?
At present, the first batch of commercial banks that can undertake three new service modes: "network acceptance, same-day settlement", "online application, door-to-door signing", "entrusted agency, no need to run" are Bank of Communications, China Merchants Bank, Bank of Beijing, Industrial and Commercial Bank of China, and China Construction Bank, with specific service scopes as follows:
1. Service scope of Bank of Communications: provident fund loan business accepted by the Loan Center, Changping Management Department, Shunyi Management Department, and Bank of Communications Agency;
2. Service scope of China Merchants Bank: provident fund loan business accepted by the loan center, Changping management department, Mentougou management department and China Merchants Bank agency;
3. Scope of services of Bank of Beijing: provident fund loan business accepted by the loan center, Tongzhou Management Department, Daxing Management Department and Bank of Beijing agency;
4. Service scope of ICBC: provident fund loan business accepted by the loan center, Miyun management department, Huairou management department, Pinggu management department and ICBC agency;
5. Service scope of CCB: Provident fund loan business accepted by the Loan Center, Fangshan Management Department, Mentougou Management Department, Yanqing Management Department, and CCB Agency.
For those that are not within the scope of the pilot, they will still be handled according to the original model. Subsequently, according to the preparation of the banks entrusted with the loan business, the list of banks undertaking the new service model will be announced on the official website of the provident fund center, and the announcement shall prevail at that time.
Source: Beijing release
