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　　"Several Guidelines on Political Life within the Party under the New Situation" (hereinafter referred to as "Guidelines") puts forward that "the whole party must adhere to the party’s ideological line throughout the whole process of implementing the party’s basic line". This important requirement profoundly reveals the close relationship between the party’s basic line and the party’s ideological line, grasps the root of adhering to the party’s basic line, and has important guiding significance for the whole party to unswervingly and comprehensively implement the party’s basic line under the new historical conditions.

　　Adhering to the party’s ideological line is very important for implementing the party’s basic line.

　　The Code points out: "The basic line of the Party in the primary stage of socialism is the lifeline of the Party and the country, the happiness line of the people, and the fundamental guarantee for the normal development of political life within the Party. We must fully implement the party’s basic line and unify the two basic points of taking economic construction as the center, adhering to the Four Cardinal Principles and persisting in reform and opening up with Socialism with Chinese characteristics’s great practice, and we must not deviate or waver at any time. " The key to the great success of China’s reform and opening up is that we have always adhered to the party’s basic line. Under the guidance of the basic line, our party unites and leads the people of the whole country to overcome all kinds of difficulties, overcome all kinds of risks, resist all kinds of interference, comprehensively promote reform, opening up and socialist modernization, push the road of Socialism with Chinese characteristics wider and wider, constantly open up new prospects for the development of the party and the state, and constantly open up new horizons for the development of Marxism.

　　It is not easy to form and establish the basic line, which is a great achievement made by our party in adhering to the ideological line of seeking truth from facts and painstakingly exploring the road of socialist construction in line with China’s national conditions. After the founding of New China and the successful completion of the task of socialist transformation, the Eighth National Congress of the Communist Party of China formulated a correct political line and put forward a series of principles and policies to transform China from a backward agricultural country into an advanced industrial country as soon as possible. However, due to various reasons, the party’s guiding ideology divorced from reality, and the correct line of the Eighth National Congress did not persist, which led to twists and turns and mistakes in our exploration. After the Third Plenary Session of the Eleventh Central Committee of the Communist Party of China, our party summed up the experience and lessons, and deeply realized that only by persisting in seeking truth from facts and proceeding from reality can China’s socialist modernization be carried out smoothly. Under the guidance of this correct ideological line, our party adhered to the truth, corrected its mistakes, made a historic decision to shift the work center of the party and the state to economic construction and implement reform and opening up, and reiterated in time that we must adhere to the Four Cardinal Principles. The 13th National Congress of the Communist Party of China put forward that China is in the primary stage of socialism and will be in it for a long time, and formulated the basic line of the Party in the primary stage of socialism. The proposal of the primary stage of socialism and the establishment of the party’s basic line lie in the restoration of the party’s ideological line.

　　The party’s basic line comes from the party’s correct ideological line, and its implementation is also inseparable from the party’s ideological line. From the practice since the reform and opening up, we should always fully understand and correctly implement the Party’s basic line. The General Secretary of the Supreme Leader pointed out that centering on economic construction is the key to rejuvenating the country, the four cardinal principles are the foundation of building the country, and reform and opening up are the road to strengthening the country. The three are interrelated, interdependent and inseparable. He particularly emphasized: "We should always adhere to ‘ One center and two basic points ’ Never waver or deviate from ‘ A center ’ , nor do you neglect it ‘ Two basic points ’ Unify the practice of Socialism with Chinese characteristics’s common ideal with the firm communist ideal, resolutely resist all kinds of wrong ideas of abandoning socialism, and consciously correct the wrong ideas and policies and measures beyond the stage. " These incisive expositions have strong practical pertinence and long-term guidance. The key here is to adhere to our party’s ideological line of seeking truth from facts.

　　The party’s ideological line is the premise and foundation for our party to formulate a correct political line, and it is also the key to consistently and comprehensively implement the party’s political line. The Code points out: "The whole party must adhere to the party’s ideological line throughout the whole process of implementing the party’s basic line, persist in emancipating the mind, seeking truth from facts, advancing with the times, seeking truth and being pragmatic, persist in integrating theory with practice, proceed from reality, test truth and develop truth in practice, not only oppose all kinds of wrong tendencies of denying Marxism, but also break the dogmatic understanding of Marxism." All Party comrades and leading cadres at all levels, especially senior cadres, should deeply understand this requirement, embody the spirit of seeking truth from facts in all their work, and consciously set an example of persisting in seeking truth from facts.

　　Insist on proceeding from China’s basic national conditions at this stage and comprehensively implement the Party’s basic line.

　　The party’s basic line is formulated on the basis of a profound understanding of the basic national conditions in the primary stage of socialism. Over the past 30 years of reform and opening up, we have made remarkable development achievements, but as the Supreme Leader General Secretary clearly pointed out, the basic national conditions of China, which is still in the primary stage of socialism for a long time, the contradiction between the people’s growing material and cultural needs and backward social production, the main social contradiction, and China’s international status as the largest developing country in the world have not changed. That is to say, the primary stage of socialism is still the greatest national condition and reality in contemporary China. In any case, we must firmly grasp this greatest national condition and firmly base ourselves on this greatest reality in promoting reform and development in any aspect. This is the starting point for us to fully implement the Party’s basic line.

　　Adhering to the basic national conditions in the primary stage of socialism, we should not only see that this basic national condition has not changed, but also see the new characteristics of China’s economic and social development at a new historical starting point. Any tendency to go beyond reality and beyond the stage and be eager for success should be avoided, and any ideas and practices that lag behind reality and ignore profoundly changing objective facts and stick to the old ways and stand still should be resolutely corrected. General Secretary of the Supreme Leader pointed out: "Accurately grasping the new changes and new characteristics in different stages of development in China, making the subjective world better conform to the objective reality, and deciding the work policy according to the reality is a working method that we must firmly remember." We should be soberly aware that after more than 30 years of reform and opening up, the connotation of China’s basic national conditions is constantly changing, and today’s China has stood at a new historical starting point. General Secretary of the Supreme Leader made an incisive explanation of the connotation of "new starting point", pointing out: "This new starting point is a new starting point for China to comprehensively deepen reform and increase new impetus for economic and social development, a new starting point for China to adapt to the new normal of economic development and transform its economic development mode, and a new starting point for China to deeply interact with the world and open to the world." We must firmly base ourselves on the new characteristics of development at the new historical starting point, constantly adapt to the new requirements put forward by the changed objective reality, and always adhere to and implement the party’s basic line.

　　The Code puts forward specific requirements for adhering to "one center and two basic points" in every aspect under the new situation. Regarding "one center", it is emphasized that the whole party must unswervingly adhere to the economic construction as the center, concentrate on the development of this party’s top priority in governing and rejuvenating the country, adhere to the people-centered development thought, make overall plans to promote the "five in one" overall layout and coordinate the promotion of the "four comprehensive" strategic layout, adhere to the new development concept of innovation, coordination, green, openness and sharing, strive to improve the quality and efficiency of development, and constantly improve people’s living standards. Regarding the "Four Cardinal Principles", it is emphasized that it is essential to uphold the leadership of the Party, Socialism with Chinese characteristics Road, Socialism with Chinese characteristics Theory System, Socialism with Chinese characteristics System and Socialism with Chinese characteristics Culture, so as to keep a clear head, stand firm, and unswervingly adhere to and develop Socialism with Chinese characteristics. With regard to "reform and opening up", it is emphasized to give full play to the initiative of the masses, be brave in self-revolution, be brave in promoting theoretical innovation, practical innovation, institutional innovation, cultural innovation and other aspects of innovation, unswervingly implement the basic national policy of opening up, and never be complacent and stick to the rules. Under the new situation,Our party leads the people to deepen the reform in an all-round way in order to promote the self-improvement and development of Socialism with Chinese characteristics’s system, and promote the modernization of the national governance system and governance capacity, neither taking the old road of being closed and rigid, nor taking the evil road of changing its flag.

　　Adhere to emancipating the mind, seeking truth from facts, advancing with the times, seeking truth and being pragmatic.

　　General Secretary of the Supreme Leader pointed out: "Persisting in emancipating the mind and forging ahead is the inherent requirement of seeking truth from facts." In the face of the ever-changing objective reality, we must fully implement the Party’s basic line, always seek truth from facts, and make the subjective conform to the objective, so that we can’t stop our understanding, our thinking can’t be rigid, and our spirit can’t slack off. The Code puts forward requirements for the whole party in this respect.

　　General Secretary of the Supreme Leader has repeatedly stressed the need to prepare for a great struggle with many new historical characteristics, which is an important judgment drawn from a comprehensive review of the two overall domestic and international situations and development trends. To implement the Party’s basic line, we must closely contact these "new historical characteristics" and closely revolve around this "great struggle". At present and in the future, we are facing many new situations and new problems at home and abroad, and there are many contradictions, risks and challenges. We must not take them lightly. The rapid changes in the situation and environment, the heavy tasks of reform, development and stability, the numerous challenges of contradictions and risks, and the great test of our party’s governance are unprecedented. Standing at this new historical starting point and under this new historical condition, how to adhere to and implement the Party’s basic line is a severe test for our Party. General Secretary of the Supreme Leader stressed: In order to have new development and breakthrough, we must further emancipate our minds. Emancipating the mind is a magic weapon for the development of Socialism with Chinese characteristics and a powerful ideological weapon for us, which should not be forgotten or thrown away for a moment.

　　General Secretary of the Supreme Leader also stressed: "A good mental state is an important prerequisite for doing all the work well." Facing the complicated and changeable situation and arduous and arduous tasks, only by inspiring "spirit", bearing in mind "empty talk about making mistakes in the country, doing solid work to rejuvenate the country", making positive progress, being brave in taking responsibility and working hard can we truly solve the development problems and make achievements that can stand the test of practice, people and history. For this reason, the General Secretary of the Supreme Leader attaches great importance to and emphasizes the work style construction, especially the work style construction of cadres. He pointed out: there are many reasons for the success of the cause, and hard work is the main factor. Cadres should take responsibility, how much responsibility can they do, and how much responsibility can they achieve. In the face of work problems, we must get rid of them and stand up to them, and truly become the backbone of leading the people to fight risks and tide over difficulties.

　　We should, in accordance with the requirements of the Code, apply the spirit of emancipating the mind, seeking truth from facts, advancing with the times, seeking truth from facts and being pragmatic in all the work of reform and development, push forward the reform with the courage of self-revolution and perseverance, dare to open the door to stubborn diseases accumulated for many years, dare to touch on deep-seated interests and contradictions, resolutely break through the shackles of old ideas, resolutely break the barriers of solidification of interests, and resolutely remove the development of social productive forces. Unswervingly push forward the reform of economic system, political system, cultural system, social system, ecological civilization system and party building system, and strive to create a new situation in all work.

　　Insist on theoretical innovation and constantly promote the sinicization of Marxism.

　　It is very important to persist in theoretical innovation in the whole process of implementing the party’s basic line through the party’s ideological line. The Code emphasizes that we should constantly study new situations, sum up new experiences and solve new problems, and constantly promote the sinicization of Marxism.

　　Adhering to theoretical innovation is a fine tradition and advantage of our party. Since the reform and opening up, our party has followed the ideological line of seeking truth from facts, insisted on observing the world and analyzing problems by using Marxist standpoints and methods, and courageously promoted theoretical innovation on the basis of practice, which provided powerful theoretical guidance for the reform and opening up. There is no end to the development of practice, and there is no end to our understanding of truth and theoretical innovation. General Secretary of the Supreme Leader stressed: "To make the cause of the party and the people not stop, we must first stop in theory." Today, realizing the goal of "two hundred years", realizing the Chinese dream of the great rejuvenation of the Chinese nation, coordinating and promoting the overall layout of "five in one" and "four comprehensive" strategic layouts, and effectively coping with all kinds of foreseeable and unpredictable difficulties and risks on the road ahead will all put forward new topics, which urgently require us to make new scientific answers in theory. The task of theoretical innovation is great and arduous.

　　Marxism is a powerful ideological weapon for us to understand and transform the world. The party’s theoretical innovation must adhere to the combination of the basic principles of Marxism with the specific reality and characteristics of the times in contemporary China, and fall on the major theoretical and practical problems faced by governing the country and the party, and put forward the correct ideas and effective methods to solve the problems. General Secretary of the Supreme Leader stressed: "Only by listening to the voice of the times, responding to the call of the times and seriously studying and solving major and urgent problems can we truly grasp the historical context, find the law of development and promote theoretical innovation." We should examine the realistic foundation and practical needs of Marxism in contemporary development with a broader vision, adhere to the problem orientation, persist in taking what we are doing as the center, constantly promote the China of Marxism, constantly open up a new realm of Marxism development, and let contemporary China Marxism radiate more brilliant truth.

　　Since the 18th National Congress of the Communist Party of China, the CPC Central Committee with the Supreme Leader as the core has actively promoted the theoretical innovation of the Party in the practice of governing the country and further enriched and developed the Party’s scientific theory. The series of important speeches by the Supreme Leader General Secretary embodies the latest achievements of our party’s theoretical innovation and practical innovation, the latest achievements of Socialism with Chinese characteristics’s theoretical system, the latest achievements of Marxism in China, and the vivid Marxism guiding the great struggle with many new historical characteristics. Practice has fully proved that the reason why the party and the country have made new achievements and opened up a new situation lies in the strong leadership of the CPC Central Committee with the Supreme Leader as the core and the scientific guidance of the spirit of the series of important speeches by the General Secretary of the Supreme Leader. All comrades in the Party should firmly establish the "Four Consciousnesses", more firmly maintain a high degree of consistency with the CPC Central Committee with the Supreme Leader as the core, and more consciously guide all aspects of work and practice with the spirit of the series of important speeches by the General Secretary of the Supreme Leader. General Secretary of the Supreme Leader clearly stated: "We should constantly deepen our understanding and sum up experience according to the changes of the times and the development of practice, and constantly realize the benign interaction between theoretical innovation and practical innovation, so as to develop Marxism in China in the 21st century in this unity and interaction." This is the historical mission of contemporary the Communist Party of China (CPC) people.

　　Comrade Deng Xiaoping once said a weighty sentence about adhering to the Party’s basic line: "The basic line must be managed for a hundred years and cannot be shaken. Only by adhering to this line will the people believe in you and support you. Anyone who wants to change the line, principles and policies since the Third Plenary Session will be defeated if the people do not agree. " On the one hand, he said this because the party’s basic line is very important, which is the "lifeline" and "happiness line"; On the other hand, it also shows that it is not easy to adhere to the party’s basic line, which requires true knowledge, courage and methods. What can we rely on to gain true knowledge, courage and methods? Fundamentally speaking, we must rely on our party’s ideological line of seeking truth from facts.

　　General Secretary of the Supreme Leader profoundly pointed out: "Seeking truth from facts is the fundamental viewpoint of Marxism, the fundamental requirement for the Communist Party of China (CPC) people to understand and transform the world, and the basic thinking method, working method and leadership method of our party." "Practice has repeatedly proved that if we persist in seeking truth from facts, we can rejuvenate the party and rejuvenate the country; Contrary to seeking truth from facts, it will mistake the party and the country. " As long as we always adhere to the ideological line of seeking truth from facts, establish a scientific attitude of seeking truth from facts and carry forward the fine tradition of seeking truth from facts, we will certainly be firm and unshakable in upholding and implementing the party’s basic line, a major political issue. (cold-soluble)

　　The Beijing Housing Provident Fund Management Center has issued the Notice on Adjusting the Individual Housing Loan Policy of Housing Provident Fund and the Notice on Implementing streamline administration, delegate power, strengthen regulation and improve services, Optimizing the Business Environment and Improving the Service Level of Housing Provident Fund Collection, which will completely change the withdrawal and loan of housing provident fund in the future. These policies will be officially implemented from September 17, 2018.

　　Among them, "recognizing the house and recognizing the loan", "the deposit amount is linked to the deposit period" and "buying a house in a different place cannot be extracted at will" are all key words!

　Young people　

　　Only when the loan amount is linked to the deposit period for more than 11 years can the loan be 1.2 million yuan.

　　In the past, the maximum amount of provident fund loans was 1.2 million yuan, and the length of deposit time would not affect the amount; The New Deal will link the loan amount with the deposit period of the housing provident fund of the borrower.

　　The relevant person in charge of the Beijing Housing Provident Fund Management Center said that in order to reflect the fairness and impartiality of the system,You can borrow 100,000 yuan every year, with a maximum loan of 1.2 million yuan.

　　There are also several special circumstances when calculating the deposit period. If the deposit period is less than 1 whole year, it shall be calculated as 1 whole year. For example, if the deposit period is 13 months, it will be counted as two years, and the loan can be 200,000 yuan. In addition, if the loan applicant is married, the calculated loan amount will not be added up, but will be calculated by the spouse who has paid for a long time.

　　For example, if a 22-year-old college graduate starts to pay the provident fund after taking office, under normal circumstances, it will take more than 11 years to pay for a loan of 1.2 million yuan, that is, about 34 years old. "This is mainly to guide citizens to reasonable housing consumption and implement’ rental and purchase at the same time’ and’ rent before buying’." The person in charge said.

　Buy a "second house"???　

　　The maximum loan amount for the second suite is reduced to 600,000.

　　Since September 17, 2018, the personal loan of Beijing Provident Fund has also changed the rules for judging the "second suite" and become the same as the commercial loan.

　　"House" refers to the house of the borrower under the name of Beijing, and "loan" refers to the national personal housing loan records in the PBOC credit information system, including commercial housing loan records and housing provident fund personal housing loan records.

　　In other words, if the loan applicant has no housing loan record and no housing in this city, it will be handled according to the first home loan policy; Anyone who does not belong to the first suite and is approved as a second suite shall be handled according to the second suite loan policy; If it is approved that there are two or more houses, no loans will be granted.

　　Specifically, it is counted as the "second suite":There is only one set of housing in this city; There is only one housing loan record in China; There is a housing loan record, and there is a house in this city, and it is the same house.If there are two or more houses in this city, or there are two or more housing loan records in the country, or there are housing loan records and houses in this city that are not the same house, the loan will not be granted.

　　At the same time, the New Deal lowered the maximum loan amount for second-home loans.From 800,000 yuan to 600,000 yuan. Generally speaking, if you are judged as a "second suite" after "recognizing the house and recognizing the loan", you will face a decrease in the loan amount and an increase in the down payment ratio compared with the past.

　First payment ratio　???　

　　The down payment ratio is no longer uniform: 20% for ordinary houses, 35% for two sets, and 80% for non-ordinary houses.

　　Whether it is the first suite or the second suite will directly affect the down payment ratio. Similar to last year’s "3.17 New Deal", the down payment ratio for purchasing a house with provident fund loans will vary according to the nature of the house:

　　From low to high, buyAffordable housingYes, the down payment ratio is not less than 20%;

　　buyPolicy housing such as shared property rights.The first set of housing, the down payment ratio is not less than 30%;

　　buyThe first set of ordinary self-occupied housing other than policy housingThe down payment ratio is not less than 35%;

　　buyThe first set of non-ordinary self-occupied housing other than policy housingThe down payment ratio is not less than 40%;

　　buyOrdinary self-occupied house and second house.Yes, the down payment ratio is not less than 60%;

　　buyNon-ordinary self-occupied housing and second housing.Yes, the down payment ratio is not less than 80%.

　　The identification standards for ordinary self-occupied housing and non-ordinary self-occupied housing will be implemented in accordance with the "Notice on Adjusting the Average Transaction Price of Ordinary Housing in this Municipality to Enjoy Preferential Tax Policies". Generally speaking, ordinary self-occupied housing refers to the plot ratio above 1.0 (inclusive) and the single building area below 140 square meters (inclusive), and is determined with reference to its actual transaction price.

　Chengliuqu　???　

　　Buying a house from the sixth district of the city to the outside of the sixth district can be floated. The east-west city will float 200,000 and the Haifeng Stone will float 100,000.

　　In order to implement the relevant requirements of Beijing’s overall urban planning, the New Deal can increase the maximum loan amount by 100,000 yuan and 200,000 yuan on the basis of 1.2 million yuan for families who purchase houses outside the six districts of Beijing.

　　Specifically,

　　The household registration of the loan applicants are all in Beijing.Dongcheng DistrictorXicheng DistrictYes, the purchase of the first home outside the six districts (Dongcheng, Xicheng, Chaoyang, Haidian, Fengtai and Shijingshan) can increase the maximum loan amount by 200,000 to 1.4 million yuan;

　　If the household registration is inChaoyang, Haidian, Fengtai and Shijingshan DistrictsYes, the maximum loan amount can be increased by 100,000 yuan to 1.3 million yuan when purchasing the first house outside the six districts of the city.

　Middle-aged and elderly years　???　

　　The longest loan period is 65 years old.

　　Previously, the longest loan period of provident fund personal loans can be calculated until the borrower is 70 years old; Now it is adjusted to the maximum age of 65 in principle. If the loan applicant is married, the loan term shall be calculated by the longer of the husband and wife.

　　For example, if the applicant is over 55 years old, the maximum loan period used to be 15 years, but now it will be reduced to 10 years.

　Monthly salary family　???　

　　If the monthly repayment amount does not exceed 60% of the monthly income, the amount will be reduced if the income is insufficient.

　　On the premise of ensuring the basic living expenses of the loan applicant, according to the loan amount, term and applicable interest rate applied by the loan applicant, the monthly repayment amount calculated by the equal principal and interest repayment method,Not exceeding 60% of the monthly income of the loan applicant..

　　In fact, the "monthly repayment amount not exceeding 60% of monthly income" will more importantly affect the loan amount.

　　Calculate the account! If you use the provident fund loan of 1.2 million yuan for 25 years, the monthly payment of equal principal and interest is 5848 yuan according to the benchmark interest rate of 3.25%. According to the New Deal, the monthly income should reach at least 11,230 yuan on the basis of basic living expenses.

　Buying a house outside Beijing　???　

　　The purchase of houses in different places is no longer taken casually, only the domicile or the provincial capital where the domicile is located can be bought.

　　"Although it has been realized to purchase houses in different places to withdraw the provident fund, a large number of forged materials have also been found to defraud the provident fund." The relevant person in charge of the Beijing Housing Provident Fund Management Center said that in practice, many applicants were found to have forged property certificates, household registration books, identity cards, house purchase contracts and even government websites.

　　To this end, the New Deal will also standardize the purchase and withdrawal business, and it is no longer necessary to purchase housing in any city to withdraw the provident fund in Beijing. It is reported that in addition to buying houses located in the administrative area of Beijing,The withdrawal of provident fund is limited to the purchase of housing in the county, city or provincial capital city where the household registration is located as recorded in the ID card and household registration book of the person and spouse.

　　For example, if the purchaser’s household registration is in Zhangjiakou City, Hebei Province, he can only withdraw the provident fund when purchasing Beijing housing, Zhangjiakou housing and Shijiazhuang housing; If the person buys a house in Langfang, such as Beisan County, he cannot withdraw the provident fund.

　　It should also be noted that,If the depositor and spouse of the housing provident fund have records of house purchase withdrawal in the administrative area of Beijing, they cannot apply for house purchase withdrawal in different places.

　Entering the city　???　

　　Migrant workers can cancel their accounts and extract men over 55 years old and women over 50 years old.

　　For migrant workers to terminate the labor relationship with their units, if the household registration is local, it shall be handled in accordance with the provisions on the extraction of local household registration personnel;

　　If the household registration is from other places, if you go to other provinces and cities because of work changes and have established housing provident fund locally, you can apply for the transfer of housing provident fund in different places;

　　If the housing provident fund has not been established locally, the payer of the housing provident fund may cancel the account when he is 55 years old for men and 50 years old for women.

　Big patient　???　

　　In principle, cancel the extraction of serious illness.

　　In order to curb fraud and fraud by means of serious illness, this Municipality has in principle cancelled the extraction of major diseases as stipulated in the Notice on the Extraction of Housing Provident Fund for Employees’ Family Emergencies.

　　At the same time, if the depositor applies for the agreed withdrawal,After the first extraction is completed, the agreed extraction interval is adjusted to three months, six months or one year.

　Single-position and full-time worker　???　

　　Illegal withdrawal for 5 years, no mention and no loan.

　　According to the New Deal, in the future, the city will increase penalties for illegal withdrawal of provident fund. For employees who illegally withdraw housing provident fund, the management center immediately freezes their housing provident fund accounts, orders them to fully refund the amount illegally withdrawn, records personal information in the bad information database, and refuses to apply for housing provident fund withdrawal or accept housing provident fund loan applications within five years from the date of discovery of violations.

　　At the same time, it also copied the bad information to the Municipal Administration for Industry and Commerce, the Municipal Economic and Information Committee and other departments in accordance with the law, and implemented joint punishment. If the personal housing provident fund account is transferred to a different place, the bad records extracted illegally will be transferred with the personal account.

　Apply for a loan　???　

　　A large number of materials have been completely streamlined.

　　In addition to adjusting many loan rules, relevant materials have also been streamlined with the implementation of the New Deal. In terms of loan application materials, in order to facilitate the loan applicant, when accepting the loan application, the loan handling department of the management center only keeps the original house purchase contract (if it is inconvenient to provide the original, a copy is provided) and the original Certificate of Deposit and Use of Housing Provident Fund for Employees with Foreign Loans; After verification, the remaining loan application materials shall be kept in electronic image files for review and retrieval during business handling.

　　At the same time, the current loan contract retained by the management center, Beijing Housing Loan Guarantee Center, the borrower and the entrusted bank will be reduced to one for the management center, the borrower and the entrusted bank, and the Beijing Housing Loan Guarantee Center will not be retained.

　Single-position account opening　???　

　　Open an account and deposit the whole process online.

　　For provident fund deposit units, in addition to the deposit business that can be completed online, the unit registration account opening and information change can be handled by the manager at the housing provident fund counter, or the unit manager can directly complete the registration account opening and information change business by logging in to the online business platform of Beijing Housing Provident Fund Management Center (http://www.bjgjj.gov.cn).

　　If it is the first time for the company to register and open an account online, the selected management department is responsible for reviewing the information provided by the company, informing the company of the audit results and guiding the company to handle the business in the next step; If there are still complicated problems that cannot be solved by online or telephone, notify the unit manager to the management department or the management department will send someone to the unit to guide and solve them.

　Unit business　???　

　　The city’s general payment and withdrawal realize the nearest office.

　　In the past, the city’s provident fund business was handled according to the territory; From next Monday, the deposit unit can choose one of the 18 management departments under the management center and the bank outlets entrusted with the housing provident fund collection business to handle the housing provident fund deposit and withdrawal business according to the principle of proximity and convenience. The management department or bank outlets selected by itself can be fixed or not.

　　In terms of simplifying the handling of materials, the deposit unit and the depositor handle the business of registration, account opening, deposit, change and inquiry through the online business platform of housing provident fund or mobile client, and the business handling department no longer prints and keeps paper files, but only keeps electronic files; The management department and the entrusted bank outlets only need to take images of the original application materials and keep them as electronic files when handling the registration, account opening, deposit, withdrawal, transfer, change and inquiry of the housing provident fund deposit unit, and do not keep copies of the business handling materials.

　Other doubts　???　

　　Authoritative answer

　　Q: Is the execution time based on online signing or loan application?

　　A: All relevant policies will be implemented as of September 17, 2018. If they have been signed online before, they will be implemented according to the original regulations. This regulation is mainly aimed at the municipal provident fund, and the the Central Committee of the Communist Party of China directly under the authority Sub-center, the Central State Organs Sub-center and the Beijing Railway Sub-center can be implemented with reference to this notice, unless otherwise stipulated.

　　Q: Can I get a loan of 1.2 million yuan after 12 years of deposit?

　　A: 1.2 million is only the maximum amount. The actual approved loan amount is also related to the monthly deposit amount, the maximum loan percentage, and the proportion of monthly repayment amount to monthly income.

　　Q: Can I still withdraw the provident fund if I have purchased a foreign house and made the first withdrawal?

　　A: The new regulations require that you can purchase a house in a provincial capital city where your household registration is located or where you are located before you can apply for a house purchase in a different place to withdraw the provident fund. In addition, the reporter also learned that if a foreign house has been purchased and has been extracted for the first time, it will be extracted normally according to the original policy.

　　Q: The registered employees in the sixth district of the city have not paid for 12 years. Can they enjoy the "quota floating policy"?

　　A: The loanable amount can be increased by 100,000 yuan or 200,000 yuan based on the actual deposit period of registered employees in the six districts of the city, but the final loan amount should not exceed the loan amount calculated according to the policy that the monthly repayment amount of the deposited employees does not exceed the control standard of their monthly income proportion.

　　Q: Does the "floating quota policy" apply to married employees?

　　A: It depends. If one of the husband and wife is registered in the sixth district of the city and the other is registered outside the sixth district of the city, the purchase of housing outside the sixth district of the city will not enjoy the floating; If one of the husband and wife has a household registration in Dongxi District and the other has a household registration in Chaoyang District, Haidian District, Fengtai District and Shijingshan District, they can buy a house outside the six districts of the city and enjoy a floating rate of 100,000 yuan; If both husband and wife’s household registration are in the east and west urban areas, they will buy houses outside the six urban areas and enjoy a floating rate of 200,000 yuan; If a single person buys a house outside the six districts of the city, the registered employees in the east and west cities will enjoy a floating rate of 200,000, and the registered employees in Chaoyang District, Haidian District, Fengtai District and Shijingshan District will enjoy a floating rate of 100,000.

CCTV News:According to official website news from the Ministry of Housing and Urban-Rural Development, the Ministry of Housing and Urban-Rural Development recently issued the Guiding Opinions on Carrying out Urban Physical Examination in an All-round Way. Among them, it is clear that the objects of urban physical examination include housing, residential area (community), block and urban area (city). The physical examination of housing and community should be carried out with the community as the basic unit, and the physical examination of the block should be carried out in combination with the administrative boundary of the existing street, connecting the urban renewal units (districts). Around the housing, community (community), block, city (city), the establishment of urban physical examination basic index system (Trial), set a certain number of core indicators. The core indicators are indicators that can obtain accurate and stable data, compare vertically and horizontally, and have sustainability.

Guiding opinions of the Ministry of Housing and Urban-Rural Development on comprehensively carrying out urban physical examination work

In recent years, all localities have conscientiously studied and implemented the spirit of the important instructions of the Supreme Leader General Secretary on urban physical examination, organized various cities and pilot cities to explore and innovate the index system, methods and institutional mechanisms of urban physical examination, and promoted urban physical examination and urban renewal in an integrated manner, thus forming an experience that can be replicated and promoted. In order to implement the requirements of the CPC Central Committee and the State Council on the establishment of urban physical examination and evaluation system, comprehensively carry out urban physical examination in cities at prefecture level and above, and solidly and orderly promote the implementation of urban renewal, we hereby put forward the following opinions.

I. General requirements

Guided by the Supreme Leader’s Socialism with Chinese characteristics Thought in the New Era, we will thoroughly implement the spirit of the 20th Party Congress, implement the new development concept completely, accurately and comprehensively, adhere to the principle that people’s cities are built by the people and people’s cities are for the people, and take urban physical examination as an important starting point for coordinating urban planning, construction and management, so as to promote the overall optimization of urban structure, perfect functions and quality improvement, and build a livable, resilient and smart city. Adhere to the problem-oriented, draw detailed urban physical examination units, from housing to residential areas (communities), blocks, urban areas (cities), and find out the difficulties, blocking points and pain points that the masses have strongly reflected. Adhere to the goal orientation, regard the city as an "organic life", aim at the integration of production and city, the balance between occupation and residence, and the ecological livability, and find out the shortcomings and weaknesses that affect the competitiveness, carrying capacity and sustainable development of the city. Strengthen the application of the results, take the problems found in urban physical examination as the focus of urban renewal, focus on solving the urgent problems of the masses and filling the shortcomings and weaknesses of urban construction and development, carry out urban renewal in a targeted manner, rectify the problems found in physical examination, and establish and improve the "problems found — Solve the problem — Consolidate and improve the working mechanism of urban physical examination.

Second, the key tasks

(a) clear physical examination work subject and object. To carry out urban physical examination, we should adhere to the leadership of the city government, and establish a working mechanism in which the urban housing and urban-rural construction departments take the lead, all relevant departments, districts, streets and communities participate together, and the third-party professional team is responsible. Urban housing and urban-rural construction departments should formulate urban physical examination work plans, work rules and technical standards, and select third-party professional teams. Relevant departments, districts, streets and communities should cooperate with the third-party professional team to do a good job in physical examination. The third-party professional team is responsible for the collection, analysis and diagnosis of urban physical examination data, summarizing the results of urban physical examination and compiling the urban physical examination report. The objects of urban physical examination include houses, communities, blocks and urban areas (cities). The physical examination of housing and community should be carried out with the community as the basic unit, and the physical examination of the block should be carried out in combination with the administrative boundary of the existing street, connecting the urban renewal units (districts). Relevant departments can organize special physical examinations on the construction of public infrastructure, the lifeline safety project of urban infrastructure, the protection and inheritance of history and culture, and make a good connection with the urban physical examination work.

(2) Improve the physical examination index system. Around the housing, community (community), block, city (city), the establishment of urban physical examination basic index system (Trial), set a certain number of core indicators. The core indicators are indicators that can obtain accurate and stable data, compare vertically and horizontally, and have sustainability. Housing dimension, from the aspects of safety and durability, complete functions, green intelligence, etc., set up indicators such as housing structure safety, pipelines, household water quality, building energy efficiency, digital home and so on. In the dimension of community, indicators such as pension, nursery, parking and charging are set from the aspects of perfect facilities, livable environment and sound management. In the dimension of blocks, indicators such as middle schools, sports venues and old blocks are set from the aspects of perfect functions, neatness and order, and characteristic vitality. In the urban area (city) dimension, indicators are set from the aspects of ecological livability, historical and cultural protection and utilization, integration of production and city, safety and resilience, wisdom and efficiency. Local housing and urban-rural construction departments at all levels should combine local conditions, add characteristic indicators on the basis of the basic index system of urban physical examination, and refine the physical examination content, acquisition method, evaluation standard and physical examination cycle of each indicator, so as to be quantifiable, perceptible and evaluable.

(3) In-depth search for shortcomings. Urban physical examination focuses on finding problems and promoting problem solving. Third-party professional teams to carry out data collection and summary analysis should adhere to the principle of seeking truth from facts, and make full use of existing data resources such as the national comprehensive risk survey of natural disasters, the survey of housing construction and municipal facilities, the thorough investigation of urban dilapidated houses, and the statistical data of professional departments to avoid repeated investigations. The physical examination of housing and community (community) should organize street and community workers, property service enterprises and professional units to participate together, unblock the channels for residents to make suggestions and suggestions, cooperate with the third-party professional team to find out the potential safety hazards existing in the use of housing, identify the gaps in facilities such as pension, nursery, parking and charging, as well as the problems in the community environment and management, and establish a ledger of community problems. Professional issues involving structural safety of buildings, gas safety, etc. should be consistent with the investigation and appraisal opinions issued by professional units. The physical examination of the block should fully consider the functional orientation of the block, link up the fifteen-minute life circle, find out the gap of public service facilities and the problems in the renovation and renovation of the street environment, and establish the problem account of each block. Urban (city) physical examination should comprehensively evaluate the status of urban vital signs and the quality of construction and development, and identify the shortcomings and weaknesses.

(4) Strengthen the application of physical examination results. Third-party professional teams should systematically sort out, diagnose and analyze the problems found in the physical examination according to the principle of priority, divide the problems into two categories: time-limited solution and trying to solve them, put forward a list of problems and rectification suggestions, and form a city physical examination report on the basis of comprehensively summarizing the work, submit it to the urban housing and urban-rural construction department, and report it to the city government after organizing experts to demonstrate and solicit opinions from the district governments and relevant departments. Cities should decompose and implement the list of problems raised in the city physical examination report to the district governments and relevant departments, and clarify the rectification measures and completion time limit. Among them, the problems that need to be solved within a time limit are mainly outstanding problems related to safety, health and strong reaction from the masses. In order to solve such problems, it is necessary to establish a reform and solve them within a time limit. For the problems that need to be solved as much as possible, we should persist in doing our best and do what we can, doing one thing after another, doing it year after year, and trying our best to fill the shortcomings and weaknesses. Urban housing and urban-rural construction departments should formulate urban renewal plans and annual implementation plans based on urban physical examination reports, generate urban renewal project libraries, and make overall plans to promote urban renewal work such as the renovation of existing buildings, the renovation of old urban communities, the construction of complete communities, the creation of vibrant neighborhoods, the improvement of urban functions, the renovation of urban infrastructure, urban ecological restoration, historical and cultural protection and inheritance. To solve the problems found in the previous year’s physical examination into this year’s urban physical examination work, and continue to promote the problem solving.

(5) Accelerate the construction of information platforms. Housing and urban-rural construction departments at all levels should combine the work of urban physical examination, the national comprehensive risk survey of natural disasters, the investigation of housing buildings and municipal facilities, and the construction of the basic platform of urban information model (CIM), gather the physical examination data collected by the third-party professional team, the list of problems formed by physical examination, the list of remediation suggestions, the work progress and other data, build the urban physical examination database, and do a good job in data preservation management, dynamic update, network security protection and other work in accordance with regulations. Based on the database of urban physical examination, the information platform of urban physical examination should be built, and its functions in data analysis, monitoring and evaluation should be brought into play, so as to realize the functions of sustainable comparative analysis of physical examination indicators, dynamic monitoring of problem rectification, regular evaluation of urban renewal effectiveness, and command and dispatch of urban physical examination work, which will provide basic support for urban planning, construction and management.

Third, safeguard measures

(1) Strengthen organizational leadership. Housing and urban-rural construction departments at all levels should fully understand the importance of carrying out urban physical examination, regard it as an important basic work to implement urban renewal, strengthen departmental cooperation under the leadership of local party committees and governments, form joint efforts, and solidly promote urban physical examination. Urban physical examination is carried out every year from March to 3— Launched in August, all localities may, in accordance with the relevant provisions of budget management and combined with actual work needs, make overall arrangements for funds to support urban physical examination work. The housing and urban-rural construction departments of all provinces (autonomous regions) should intensify the training of urban physical examination, strengthen the follow-up guidance and work supervision in the whole process, take whether the problem is found accurately, the problem is rectified in place, and the update effect is remarkable as the work quality evaluation standard, and regularly report the progress of the work. After the city medical examination report is approved by the city government, the housing and urban construction department of the province (autonomous region) will summarize and form a comprehensive report and submit it to our department before the end of September each year. After the approval of the municipal government, the city physical examination report of the municipality directly under the central government shall be submitted to our department by the competent department of city physical examination before the end of September each year.

(2) Strengthen monitoring and evaluation. The housing and urban-rural construction departments of all provinces (autonomous regions) should take the urban physical examination as an important basis for evaluating the improvement of urban living environment quality and the construction effect of livable, resilient and smart cities, establish a monitoring and evaluation mechanism, put forward improvement requirements for existing problems and urge them to solve them. Our department will guide all provinces (autonomous regions) to select representative sample cities in consideration of scale, location, function and other factors, evaluate the development of urban physical examination and problem solving, evaluate the development status and level of urban construction, find out common problems, propose policy measures and suggestions, and improve the evaluation mechanism of urban physical examination.

(3) Accelerate the construction of professional teams. All localities should strengthen the training of professional teams and professionals in urban physical examination, and select third-party professional teams to undertake urban physical examination. The third-party professional team should be equipped with professional technicians in architecture, structure, municipal administration, planning, geography and economy, master and apply the working methods of urban physical examination skillfully, and serve the urban planning, construction and management for a long time. The Ministry of Housing and Urban-Rural Development will select and publish a group of professional teams of urban physical examination with high professional level, strong comprehensive ability and rich practical experience to provide support for local work.

(4) Mobilizing public participation. All localities should increase the publicity of urban physical examination work, interpret and publicize the urban physical examination work through mainstream media, internet and new media platforms, so that the people can care about and understand the urban physical examination work and guide the public to actively participate. It is necessary to take various ways to unblock the channels for the public to participate in urban physical examination, listen to the voices of the masses, understand their demands, respond to their concerns in a timely manner, implement the concept of "people’s cities are built by the people and people’s cities are for the people", and create a good atmosphere for the whole society to support and participate in urban physical examination.