Cctv newsOn October 31, Beijing Housing Provident Fund Management Center issued a notice on optimizing the criteria for determining the number of housing units in housing provident fund personal housing loans. In order to support residents’ rigid and improved housing needs and reflect the fairness, mutual assistance and inclusiveness of the provident fund system, with the approval of the 29th plenary meeting of Beijing Housing Provident Fund Management Committee, the notice on optimizing the criteria for determining the number of housing units in housing provident fund personal housing loans (hereinafter referred to as provident fund loans) is as follows:

First, the first set of housing identification standards
If the loan applicant (including the co-applicant, the same below) has no housing in Beijing and there is no record of provident fund loans (including housing provident fund policy discount loans, the same below) nationwide, the first set of housing provident fund loan policies will be implemented.
Second, two sets of housing identification standards
The loan applicant has a house in Beijing; Or there is no housing in Beijing but there is a record of provident fund loans nationwide; Or if there is a set of housing in Beijing and there is a record of a provident fund loan nationwide, two sets of housing provident fund loan policies will be implemented.
Three, not provident fund loans
If the loan applicant has two or more houses in Beijing or has used provident fund loans twice nationwide, the provident fund loans will not be granted.
Fourth, the scope of application
This notice shall come into force as of November 1, 2023. Where the previous provisions are inconsistent with this notice, this notice shall prevail.
Policy Interpretation of "Notice on Optimizing the Criteria for Determining the Number of Housing Units in Personal Housing Loan of Housing Provident Fund"
1. What is the background of this adjustment of provident fund loan policy?
In order to better meet the rigid and improved housing needs of residents and reflect the fairness, mutual assistance and inclusiveness of the provident fund system, the Beijing Housing Provident Fund Management Center adjusted the provident fund loan policy with the approval of the 29th plenary session of the Beijing Housing Provident Fund Management Committee.
2. What are the main contents of this adjustment of provident fund loan policy?
This policy, while meeting the rigid housing needs of residents, supports the demand for improved housing, maintains the policy and mutual assistance of housing provident fund, and starts with the recognition of local housing and the record of national provident fund loans (including housing provident fund policy discount loans, the same below), and optimizes the criteria for determining the number of housing units.
3. What are the criteria for determining the number of housing units in this adjustment of provident fund loan policy?
Provident fund loans no longer consider commercial loans in the identification of housing units.If the loan applicant (including the co-applicant, the same below) has no housing in Beijing and no record of provident fund loans nationwide, the first set of housing provident fund loan policy will be implemented; If the loan applicant has a house in Beijing, or has no house in Beijing but has a record of provident fund loan nationwide, or has a house in Beijing and has a record of provident fund loan nationwide, whether the housing record and the provident fund loan record are the same or not, two sets of housing provident fund loan policies will be implemented; If the loan applicant has two or more houses in Beijing, or has used the provident fund loan twice, the provident fund loan will not be granted.
See the table below for the criteria for determining the number of housing units:

Need to remind you that according to the current policy, first, when applying for provident fund loans, loan applicants cannot have outstanding provident fund loans nationwide; Second, the differentiated housing credit policy should be implemented according to the original policy for loan applicants who have divorced within one year, that is, if they apply for provident fund loans within one year after divorce, they should be implemented according to two sets of housing loan policies.
4. When will the implementation date of the adjustment of the provident fund loan policy start?
This policy adjustment will be implemented on November 1, 2023. Applications for provident fund loans accepted after November 1, 2023 (inclusive) shall be implemented according to the adjusted policy.