法律常识1（Common sense of law 1）.docVIP

法律常识1（Common sense of law 1） Civil service exam common law questions compilation 2 Time for publication: 2008-8-27?? [edit: CXB] [Click: 340] 26., what is the personal housing discount loans? The so-called personal housing discount loans, Beijing housing fund management center, Beijing City loan guarantee center and the relevant commercial banks, the introduction of individual housing loans secured policy discount interest business. Buyers can receive loans directly in commercial banks, no longer to the management center, banks run two sets of procedures, two fees. Thus, the timing of the loan, especially the combination of loans, may have been reduced to just a few days from the previous few months. The interest rate between commercial loans and provident fund loans is returned to commercial banks by the interest provided by the government housing fund, and the final interest is still on the borrowers. 27., apply for personal housing discount loans What are the conditions? (1) the applicant must be the depositor of the housing accumulation fund, as of the date of application, the applicant continued to deposit more than 6 months of housing provident fund, or accumulated more than 12 months, the current normal deposit status. (2) provide a guarantee in conformity with the requirements. (3) both husband and wife can only apply for a housing loan interest discount. (4) at the same time meet other requirements for commercial banks for individual housing loans. 28., what is housing subsidies? Housing subsidies is the unit after the cessation of physical distribution, the state for workers to solve the housing problem and grant subsidies, the use of monetary distribution to workers issued for housing consumption of special funds. The units for the original housing, purchase funds into housing subsidies, a one-time (such as monthly) or send a worker, the workers to the housing market by buying or leasing and other ways to solve their housing problems. Specific amount of h