标签归档 上海贵族宝贝龙凤楼

　　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.

You should have noticed that most self-media accounts have a "small tail" behind them, which shows a place name. Yes, this is the "IP Territorial" function that major platforms have launched in recent days, and users can’t turn off the display on their own.

The appearance of this function directly made some "keyboard men" shrink their hands, and also made some accounts claiming to be overseas show their "prototype". However, many people have doubts about this function, and others are worried that it will reveal privacy and leave security risks. Don’t worry, let’s discuss these problems below.

Tik Tok’s "XX in Japan" shows that the IP belongs to Henan (the picture comes from the network).

What is IP territory?

First of all, we should understand what IP is. IP is the abbreviation of Internet Protocol, which means Internet Protocol. And now we often say IP, which is actually the abbreviation of "IP address", and IP address is the Internet protocol address. Simply put, this is a concept on the network, which represents the network address of a device.

IP is also divided into public network and intranet. The so-called public network IP is the Internet, the largest network system in the world. Everyone can locate it directly according to this IP and has a unique identity. Intranet IP refers to the unique identity in a local area network (such as schools and companies).

Public IP is not available for every device, because public IP is a scarce resource. At present, IPV4 protocol is widely used, and IPV4 can provide about 4.29 billion IP addresses at most, which has become increasingly insufficient after so many years. IPV6 is still gaining popularity.

So how are these IP addresses allocated? The IP of public network is allocated by network operators, that is, telecommunications, mobile, China Unicom and so on. Intranet IP can be assigned by the administrator of the local area network (or set a dynamic allocation rule). When we are in school, we use our mobile phone to connect to the school’s WIFI, and at this time we will be assigned an intranet IP of a mobile phone. Computers on the Internet can be determined by public IP+ intranet IP.

Then, IP territory is not difficult to understand. Based on our use of the network, all internet devices will be assigned an IP address, no matter what kind of IP address has a home, that is, IP home.　

Niu Kai, a professor at Beijing University of Posts and Telecommunications, told the media that IP territory is actually the geographical location information of the data packet generation place. If it is sent by desktop or laptop, it is the location of these devices. If it is sent by mobile phone, it is the location information of the mobile phone. In the equipment on the operator’s network side, this IP attribution information always exists and can be easily extracted. Now it is just displayed on the social network platform.

Can IP territory reflect the user’s location? Experts said that displaying IP attribution belongs to the communication core network technology, which is mainly based on DNS server (domain name system or domain name service) to extract IP address when domain name resolution is carried out. This technology is very mature. For a long time, display IP has not been widely used in social networks in China, but it has been widely used in many social networking platforms abroad.

At present, the ways of judging the IP territories of various platforms are basically the same. Sina Weibo judges the region by the IP territories of users who recently sent Weibo, comments and votes; Tik Tok and Today’s headlines are judged according to the IP address of the user’s last post or comment.

Does it reveal privacy and leave security risks?

Many users are worried that whether the platform displays the user’s "IP territory" will infringe on personal privacy? In fact, considering privacy protection, more specific geographical information will not be displayed when it is displayed in provinces (municipalities, autonomous regions and special administrative regions) and abroad to countries (regions).

IP territories will not display specific geographical location information (Source: Computer News)

Moreover, the concept and extension of user’s "IP territory" and "IP address" are different. Domestically, the former refers to the attribution of users’ IP, that is, the province to which IP operators belong, involving a huge number of users, ranging from millions to tens of millions, to nearly 100 million; The latter is the corresponding user equipment terminal, which is exclusively owned by individuals. If the complete IP address is displayed, the specific location of the user can be found through technical means, which will lead to invasion of privacy.

In an interview with the media, Wu Shen Kuo, assistant dean of the Internet Development Research Institute of Beijing Normal University and deputy director of the internet society of china Research Center, said that there are two points to consider: First, the granularity of IP territorial information is not enough to directly push individuals to specific identities through provinces, and the recognition rate is still relatively weak. Second, IP territorial information refers to the location of network access equipment rather than the non-human location.

Therefore, under normal circumstances, there is no need to worry that showing the user’s "IP territory" will reveal personal privacy.

Can IP territory be changed? Yes, there are risks.

In fact, the function of displaying IP territories is also easy to evade. Theoretically, IP can be displayed anywhere by using a proxy server. From this, the "black-gray" industry of paid IP proxy is derived, and information such as "the lowest 6 yuan can be changed" and "6-8 yuan has the desired IP address" appears in the network.　

The criminals’ IP address change is based on dynamic IP proxy service, which is an internet access service that can change the login IP address in different regions of China. Experts explained that the so-called dynamic IP proxy service is actually to provide a temporary server and use the server’s IP instead of the real IP for data interaction.　

In fact, the reason is very simple, that is, visitors do not take their original address to surf the Internet, but visit the proxy server to surf the Internet, so as to send back what they downloaded online. This is equivalent to using the server to build a bridge in the middle, which shows the address of the proxy server. "VPN (Virtual Private Network), which is commonly used by people, is the most common proxy method.　

"In many cases, normal network communication also needs proxy servers, and the organizational structure of the Internet allows for proxy, so from a technical point of view, IP proxy cannot be completely banned." Niu Kai said that only technical monitoring and administrative supervision can be taken to strengthen the supervision of proxy service providers, monitor the data flow of network communication, and investigate and deal with illegal IP proxy behaviors.　

Experts also reminded that it is necessary to be alert to the risks of IP agents. If some behaviors of proxy IP are recognized by the network platform, there is a risk of being blocked. In addition, if the IP proxy is unreliable, there may be problems such as fraudulent number theft, theft of financial accounts, and privacy disclosure.

Although it is easy to modify IP territorial information, it is of great significance for social platforms to display IP territorial information. Undoubtedly, it takes a certain cost to modify IP territorial information, and not everyone is willing to change it.

Why do you want to show IP territories?

As early as March this year, Weibo, a self-media platform, announced that in order to reduce bad behaviors such as pretending to be a party to a hot event, malicious rumors, and rubbing traffic, it would go online to publicly display the new function of users’ "IP dependency". Recently, Tik Tok, Today’s Headline, WeChat and other major platforms have given similar reasons in their announcements showing IP territories.

In the digital age, there are many network platforms and everyone has a microphone. Whenever there is a sudden hot news event at home and abroad, there is a lot of noise in the online public opinion field, and everyone is like a "news spokesperson." However, it goes without saying that there are many people who are afraid of public opinion. They either fish in troubled waters and rub the flow, or have ulterior motives, or make false rumors out of nothing, or engage in "regional blackness" with ulterior motives … All these have seriously disrupted the order of network information dissemination.

In order to purify cyberspace and maintain the order of online speech, relevant state departments have introduced a series of measures, including real-name registration system. On this basis, in 2021, the National Network Information Office issued the "Regulations on the Management of Internet User Account Name Information (Draft for Comment)". Article 12 clearly stated that the Internet user account service platform should display the account IP address territorial information on the Internet user account information page in a prominent way. The IP address territorial information of domestic Internet users’ accounts needs to be marked to provinces (autonomous regions and municipalities), and the IP address territorial information of overseas accounts needs to be marked to countries (regions).

It is obviously a response that the major platforms display the new functions of users’ "IP territories" online. Facts have proved that the function has achieved remarkable results after it went online. Objectively speaking, although they are all real names in the background, in the past, information was published anonymously, such as cyber violence, which was difficult for ordinary netizens to verify, and some unscrupulous keyboard men appeared. Displaying the IP address will have a deterrent effect on such users.

Compared with the previous Internet, the modern Internet has undergone a fundamental change. In the early days, the Internet belonged to the virtual world, and it was more of an entertainment attribute. Now, with the blessing of e-commerce platform, electronic payment, e-government and other applications, the Internet has developed into a part of social life and belongs to infrastructure. Just like the phrase we often hear, "The Internet is not a place of extra-legality", it is the general trend to maintain network order through various measures and means.

(The content of this article is integrated with Yangguang. com, Voice of China, Red Net, and a program, etc.)

Source: Beijing Science and Technology News Agency