On December 21, a Beijing Business Daily reporter learned that recently, the Beijing Housing Provident Fund Management Center (hereinafter referred to as the "Provident Fund Center") issued the "Ten Articles of the Beijing Housing Provident Fund Management Center on Optimizing Housing Provident Fund Personal Housing Loan Services" Specific Measures" (hereinafter referred to as the "Measures"), once again streamline the application materials for provident fund loans for citizens and optimize the loan review process. In addition to shortening the review time from 9 working days to 3 working days, the "Measures" also mentioned that when borrowers handle repayment business, they can conduct identity authentication through facial recognition without providing ID cards.
According to the "Measures", by enabling electronic certificate verification information, borrowers no longer need to provide three documents: ID card, household registration booklet and marriage certificate (divorce certificate). Through the internal data verification of the Provident Fund Center, the borrower no longer needs to provide four pieces of materials: repayment card, down payment receipt, seller’s real estate certificate and collection card. If the borrower's information can be verified through electronic certificates, the application for a new house loan only needs to provide two pieces of materials: the house purchase contract and the down payment invoice, and the application for a second-hand house loan only needs to provide one piece of the house purchase contract.
In addition to reducing materials, this "Measures" also shortens the loan review time through process reengineering, and simultaneously completes the guarantee review of the guarantee center and the provident fund center loan review. After the borrower's information is complete, the review time of the provident fund center will be reduced from 9 working days shortened to 3 working days. The borrower no longer needs to contact the developer to obtain the "Certificate of Consent to Sale and Release of Mortgage" and "Instructions on Seller's Bank Account Opening", and there is no need to contact the developer to sign the "Receipt Contract".
Wang Xian, director of the Loan Management Office of the Provident Fund Center, said that by enabling borrowers’ electronic signatures and adjusting loan contracts, the number of borrowers’ signatures has been reduced. Taking a couple's second-hand housing loan application as an example, after optimization, it can reduce the number of signatures on the paper loan application form to 2 and the loan contract to 4. The borrower only needs to sign on the borrower and the mortgagor in 2 of the 4 loan contracts. The number of signatures Reduced from 36 to 16.
In terms of other convenience measures, the "Measures" require that "three speeds" be achieved in the speed of provident fund loan processing. First, fast application. By using electronic certificates and streamlining information entry items, the time for entering, taking photos and uploading loan information is reduced, making loan application faster. Second, the review is fast. By clarifying the business processing time limits of external business-related departments such as existing housing assessment time and commercial loan review time, the entire loan business process time is further reduced. The third is fast circulation. Make full use of big data online interaction methods to allow more data to escape, strictly control the circulation time limit, shorten the circulation time of loan information between loan handling departments, banks and guarantee centers, and speed up loan processing.
In order to further prevent possible risks in the loan business, the "Measures" also pointed out that to prevent fake marriages, by calling the national marriage relationship electronic data information, verify the borrower's true marriage status and prevent false marriage relationships from being obtained. Loan Risks. To prevent fake household registrations, Beijing household registration data information is used to accurately identify the borrower’s household registration location. To prevent legal risks, in accordance with the requirements of the Ministry of Housing and Urban-Rural Development and the Civil Code, the relevant expressions of residence rights and mortgage rights in the "Loan Contract" have been revised.
Yan Yuejin, Research Director of the Think Tank Center of E-House Research Institute, pointed out in an interview with a reporter from Beijing Business Daily that through the optimization of processes and services in such loans, the provident fund loan business will truly be made more convenient, which will in turn help accelerate the provident fund loan business. It plays a positive role in providing loans and supporting reasonable housing consumption demand.
In addition, the Beijing Business Daily reporter also learned that the self-service machine built by the Provident Fund Center has been officially put into use in the business hall of the Provident Fund Center Management Department recently. Forty government service matters, including home purchase withdrawal, rental withdrawal, provident fund loan application, adjustment of monthly repayment, provident fund deposit details inquiry, loan details inquiry, etc., can be handled by yourself on the smart service terminal, fully covering the center for both units and individuals. government services.