In the afternoon of May 3th, Yichang Housing Provident Management Center declared on the press briefing with the title of "Strengthening Services, Benefiting People's Wellbeing and Securing Comfortable Housing" that the first loan for the first set of rigid demand housing in such three places as Yichang's urban area, Yiling District and Zigui County can be dealt directly and lent immediately by following the normal procedure without waiting in line.

　　Accelerating loans through quickening examination and approval in various ways

　　To expedite loan examination and approval as well as loan lending, Yichang Housing Provident Management Center has taken the following four measures:

　　Initiatives have been taken to launch the one-time dealing with the housing provident forward in delivery housing fore-notices and mortgages. That is one-time dealing with such four kinds of business as “fore-notice registration, mortgage in advance, transforming forward delivery housing into ready housing and ready housing mortgage”. Meanwhile, efforts have been made to postpone the dealing with fore-notice registration certificates so the applicants can apply for the loans 15 days ahead of schedule.

　　The online self-service system for private loans has been developed and loans will be all dealt with on the Internet and eight consigned bank branches. The applicants can input and upload relevant materials of loan examination and approval through the personal loan online self-service system or choose the nearest bank branch from eight consigned ones to apply for loans on the site.

　　Examination and approvalprocess has been sped up. Applicants’ submit for loans cango through preliminary and final examination by the business department and loan management division in real time on the Internet so as to be dealt with immediately In Special circumstances, it will be dealt within three workdays.

　　We have set up loan mortgage record shoppe, mortgage registration shoppe and consigned bank loan lending shoppe. For the urban areas, departments like Housing Management and Real Estate together with eight consigned banks have all been invited to work on the site in the management department to achieve one-stop handling. Through “One-stop” handling, “One Package” service and “One-time” finishing, the whole process can be completed within just four days at least.

　　By far, Yichang (including all urban areas of its counties) has signed contracts with Yichang Housing Provident Management Center on 274 projects to loan by Housing Provident.

　　The loanable property and building number in details can be seen on the center website.

　　Details of ready housing loans can be seen on the certificate of property rights.

　　To address the risks of high loan rate, prevent liquidity risks and prioritizing the rigid basic housing demands of “first set, first loan”, Yichang Housing Provident Management Center has carried out a series of measures such as taking turns to grant loans and suspending “transforming commercial housing mortgage loan to housing provident loan”, etc.

　　Since 2017, Yichang Housing Provident Management Center has conducted loan origination waiting system in Yichang urban areas, Yiling District and Zigui County for the personal loan rate exceeding 85%. But other counties and cities continue to deal with and give out loans by following the normal procedure.

　　Yichang Housing Provident Management Center promises that the first loan for the first set of rigid demand housing in such three places as Yichang's urban area, Yiling District and Zigui County can be dealt directly and lent immediately by following the normal procedure without waiting in line from now on; loans for the second-hand housing are given out on seeing the certificate of its property rights without waiting in line, which is the same with that of the ready housing; the waiting period for the forward delivery housing is no more than three months; once the personal loan rate in these three places is lowered to a safe and controllable interval, the Center will comprehensively cancel loan origination waiting system.

　　Besides, the relevant person in charge has made explanation on suspending transforming commercial housing mortgage loans to housing provident loans from Dec. 8th, 2016. The specific recovery time will be decided by Yichang Housing Provident Management Committee judging from Yichang personal loan rate standard, financial status of the housing provident and Yichang real estate market situation. Once this business is re-started, the Center will inform citizens through the press and center website.

　　With facial recognition, you can check the housing provident by a wink.

　　Recently, Yichang Housing Provident Management Center opened Alipay query function for the housing provident. Depositors only have to log in the latest version of Alipay, choose “city services”-“government affairs”-“housing provident query”, link housing provident account through face recognition and then log in to check the relevant information of personal housing provident by a wink.

　　A new generation of Yichang housing provident information system has achieved one package services between urban areas and counties. Except housing provident loan business which must be done in the central business department where the purchased house is, depositors can complete all other housing provident business in every business department in the downtown area, including personal housing provident information query, personal information change, personal loan paying identification printing, housing provident drawing, loan appointment, commissioned agreement signing, etc. (Reporter Yuan Xuemei, correspondent Li Ming)