精研科技：员工购房借款管理办法（2019年8月）

精研_blank class=infotextkey>get=_blank class=infotextkey>科技：_blank class=infotextkey>get=_blank class=infotextkey>员工_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房借款_blank class=infotextkey>get=_blank class=infotextkey>管理_blank class=infotextkey>get=_blank class=infotextkey>办法（_blank class=infotextkey>get=_blank class=infotextkey>2019年8月） _blank class=infotextkey>get=_blank class=infotextkey>公告日期 _blank class=infotextkey>get=_blank class=infotextkey>2019_blank class=infotextkey>08_blank class=infotextkey>get=_blank class=infotextkey>2_blank class=infotextkey>3                  _blank class=infotextkey>get=_blank class=infotextkey>江苏精研_blank class=infotextkey>get=_blank class=infotextkey>科技_blank class=infotextkey>get=_blank class=infotextkey>股份_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>限_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司
                    _blank class=infotextkey>get=_blank class=infotextkey>员工_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房借款_blank class=infotextkey>get=_blank class=infotextkey>管理_blank class=infotextkey>get=_blank class=infotextkey>办法

一、目的
   旨在_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>影响_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司主营_blank class=infotextkey>get=_blank class=infotextkey>业务_blank class=infotextkey>get=_blank class=infotextkey>发展的前提_blank class=infotextkey>get=_blank class=infotextkey>下，_blank class=infotextkey>get=_blank class=infotextkey>投入_blank class=infotextkey>部分闲置自_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>资_blank class=infotextkey>get=_blank class=infotextkey>金来为_blank class=infotextkey>部分核
心骨干_blank class=infotextkey>get=_blank class=infotextkey>员工_blank class=infotextkey>get=_blank class=infotextkey>提供_blank class=infotextkey>get=_blank class=infotextkey>首次_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房的_blank class=infotextkey>get=_blank class=infotextkey>经_blank class=infotextkey>济_blank class=infotextkey>get=_blank class=infotextkey>支持，缓解_blank class=infotextkey>get=_blank class=infotextkey>员工_blank class=infotextkey>get=_blank class=infotextkey>首次_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>时的_blank class=infotextkey>get=_blank class=infotextkey>经_blank class=infotextkey>济_blank class=infotextkey>困难。为_blank class=infotextkey>get=_blank class=infotextkey>规范
_blank class=infotextkey>get=_blank class=infotextkey>员工借款_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>程序，并确_blank class=infotextkey>get=_blank class=infotextkey>保_blank class=infotextkey>不损害_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司_blank class=infotextkey>get=_blank class=infotextkey>投资者_blank class=infotextkey>get=_blank class=infotextkey>利益，特制_blank class=infotextkey>定本_blank class=infotextkey>get=_blank class=infotextkey>办法。


二、适用范围
   本_blank class=infotextkey>get=_blank class=infotextkey>办法适用于_blank class=infotextkey>入职_blank class=infotextkey>get=_blank class=infotextkey>江苏精研_blank class=infotextkey>get=_blank class=infotextkey>科技_blank class=infotextkey>get=_blank class=infotextkey>股份_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>限_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司（以_blank class=infotextkey>get=_blank class=infotextkey>下简称_blank class=infotextkey>get=_blank class=infotextkey>“精研_blank class=infotextkey>get=_blank class=infotextkey>科技_blank class=infotextkey>get=_blank class=infotextkey>” 或_blank class=infotextkey>get=_blank class=infotextkey>“_blank class=infotextkey>get=_blank class=infotextkey>公
司_blank class=infotextkey>get=_blank class=infotextkey>” ） 及_blank class=infotextkey>get=_blank class=infotextkey>全资_blank class=infotextkey>get=_blank class=infotextkey>子_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司符_blank class=infotextkey>合_blank class=infotextkey>get=_blank class=infotextkey>申请_blank class=infotextkey>get=_blank class=infotextkey>条件的_blank class=infotextkey>get=_blank class=infotextkey>员工，_blank class=infotextkey>get=_blank class=infotextkey>申请_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>不属于_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司董事、监事、_blank class=infotextkey>get=_blank class=infotextkey>高
级_blank class=infotextkey>get=_blank class=infotextkey>管理_blank class=infotextkey>get=_blank class=infotextkey>人员、实际_blank class=infotextkey>get=_blank class=infotextkey>控制_blank class=infotextkey>get=_blank class=infotextkey>人、_blank class=infotextkey>控股股_blank class=infotextkey>get=_blank class=infotextkey>东或者持_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司 5%以_blank class=infotextkey>get=_blank class=infotextkey>上_blank class=infotextkey>get=_blank class=infotextkey>股份的股_blank class=infotextkey>get=_blank class=infotextkey>东等及与前
述_blank class=infotextkey>get=_blank class=infotextkey>人员_blank class=infotextkey>get=_blank class=infotextkey>关_blank class=infotextkey>get=_blank class=infotextkey>系密切的_blank class=infotextkey>get=_blank class=infotextkey>家庭_blank class=infotextkey>get=_blank class=infotextkey>成员，包括配偶、_blank class=infotextkey>get=_blank class=infotextkey>父母、配偶的_blank class=infotextkey>get=_blank class=infotextkey>父母、兄弟_blank class=infotextkey>姐妹_blank class=infotextkey>get=_blank class=infotextkey>及其配偶、
年满_blank class=infotextkey>get=_blank class=infotextkey>十_blank class=infotextkey>get=_blank class=infotextkey>八周岁的_blank class=infotextkey>get=_blank class=infotextkey>子女_blank class=infotextkey>get=_blank class=infotextkey>及其配偶、配偶的兄弟_blank class=infotextkey>姐妹和_blank class=infotextkey>get=_blank class=infotextkey>子女配偶的_blank class=infotextkey>get=_blank class=infotextkey>父母等关_blank class=infotextkey>get=_blank class=infotextkey>联_blank class=infotextkey>get=_blank class=infotextkey>人。


三、_blank class=infotextkey>get=_blank class=infotextkey>申请_blank class=infotextkey>get=_blank class=infotextkey>条件
       1、 借款_blank class=infotextkey>get=_blank class=infotextkey>申请_blank class=infotextkey>get=_blank class=infotextkey>人是与_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司或_blank class=infotextkey>get=_blank class=infotextkey>全资_blank class=infotextkey>get=_blank class=infotextkey>子_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司_blank class=infotextkey>get=_blank class=infotextkey>正式签订_blank class=infotextkey>get=_blank class=infotextkey>劳动_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同的在职_blank class=infotextkey>get=_blank class=infotextkey>员工，
   并被列入_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司核心_blank class=infotextkey>get=_blank class=infotextkey>员工类别 ，在_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司_blank class=infotextkey>get=_blank class=infotextkey>连续_blank class=infotextkey>get=_blank class=infotextkey>服务满 _blank class=infotextkey>get=_blank class=infotextkey>2 年（_blank class=infotextkey>get=_blank class=infotextkey>含）以_blank class=infotextkey>get=_blank class=infotextkey>上；
       _blank class=infotextkey>get=_blank class=infotextkey>2、 借款_blank class=infotextkey>get=_blank class=infotextkey>申请_blank class=infotextkey>get=_blank class=infotextkey>人绩效：在过去一年_blank class=infotextkey>get=_blank class=infotextkey>年度绩效考核_blank class=infotextkey>get=_blank class=infotextkey>排名位列前 _blank class=infotextkey>get=_blank class=infotextkey>50%或者对
   _blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>特殊_blank class=infotextkey>get=_blank class=infotextkey>突出贡献；
       _blank class=infotextkey>3、 借款用于_blank class=infotextkey>get=_blank class=infotextkey>申请_blank class=infotextkey>get=_blank class=infotextkey>人在_blank class=infotextkey>get=_blank class=infotextkey>工作所在_blank class=infotextkey>get=_blank class=infotextkey>地_blank class=infotextkey>get=_blank class=infotextkey>主_blank class=infotextkey>get=_blank class=infotextkey>城区内_blank class=infotextkey>get=_blank class=infotextkey>首次_blank class=infotextkey>get=_blank class=infotextkey>购买_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>商业_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房自_blank class=infotextkey>get=_blank class=infotextkey>住，如
   _blank class=infotextkey>get=_blank class=infotextkey>工作所在_blank class=infotextkey>get=_blank class=infotextkey>地_blank class=infotextkey>不在_blank class=infotextkey>get=_blank class=infotextkey>主_blank class=infotextkey>get=_blank class=infotextkey>城区_blank class=infotextkey>get=_blank class=infotextkey>内的，仅_blank class=infotextkey>get=_blank class=infotextkey>限于在_blank class=infotextkey>get=_blank class=infotextkey>工作所在_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>地区级或_blank class=infotextkey>本市同级别行_blank class=infotextkey>政区
   划内_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房；
       4、 借款_blank class=infotextkey>get=_blank class=infotextkey>申请_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>及其_blank class=infotextkey>get=_blank class=infotextkey>家庭_blank class=infotextkey>get=_blank class=infotextkey>成员均在_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司_blank class=infotextkey>get=_blank class=infotextkey>工作的，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司只_blank class=infotextkey>get=_blank class=infotextkey>接受_blank class=infotextkey>一方的借款
   _blank class=infotextkey>get=_blank class=infotextkey>申请；
       5、 _blank class=infotextkey>get=_blank class=infotextkey>每位符_blank class=infotextkey>合_blank class=infotextkey>get=_blank class=infotextkey>条件的_blank class=infotextkey>get=_blank class=infotextkey>申请_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>最_blank class=infotextkey>get=_blank class=infotextkey>多只能_blank class=infotextkey>get=_blank class=infotextkey>申请一次借款；
       6、 _blank class=infotextkey>get=_blank class=infotextkey>申请_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>没_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>不良个_blank class=infotextkey>get=_blank class=infotextkey>人征_blank class=infotextkey>get=_blank class=infotextkey>信_blank class=infotextkey>get=_blank class=infotextkey>记录、未被_blank class=infotextkey>get=_blank class=infotextkey>银行列入黑_blank class=infotextkey>get=_blank class=infotextkey>名_blank class=infotextkey>单、未被_blank class=infotextkey>get=_blank class=infotextkey>人民法
   院列为失_blank class=infotextkey>get=_blank class=infotextkey>信被执行_blank class=infotextkey>get=_blank class=infotextkey>人。
四、_blank class=infotextkey>get=_blank class=infotextkey>申请额度
       1、本借款_blank class=infotextkey>get=_blank class=infotextkey>资_blank class=infotextkey>get=_blank class=infotextkey>金池总额为_blank class=infotextkey>get=_blank class=infotextkey>人民币 1,000 _blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>万元整（_blank class=infotextkey>get=_blank class=infotextkey>壹仟_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>万元整），该额度_blank class=infotextkey>get=_blank class=infotextkey>使用后
_blank class=infotextkey>get=_blank class=infotextkey>员工归还的借款及尚未_blank class=infotextkey>get=_blank class=infotextkey>使用额度将循_blank class=infotextkey>get=_blank class=infotextkey>环用于后续_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司_blank class=infotextkey>get=_blank class=infotextkey>员工_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房借款_blank class=infotextkey>get=_blank class=infotextkey>申请；
    _blank class=infotextkey>get=_blank class=infotextkey>2、_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房借款实际批准_blank class=infotextkey>get=_blank class=infotextkey>金额_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>超过_blank class=infotextkey>get=_blank class=infotextkey>申请_blank class=infotextkey>get=_blank class=infotextkey>人所_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房屋_blank class=infotextkey>get=_blank class=infotextkey>总价的 _blank class=infotextkey>30%；
    _blank class=infotextkey>3、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司参考_blank class=infotextkey>get=_blank class=infotextkey>员工在_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司的_blank class=infotextkey>get=_blank class=infotextkey>服务年_blank class=infotextkey>get=_blank class=infotextkey>限、绩效表现、偿还能力、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金缴纳情
况等确_blank class=infotextkey>定_blank class=infotextkey>get=_blank class=infotextkey>员工可借款_blank class=infotextkey>get=_blank class=infotextkey>金额。_blank class=infotextkey>原则_blank class=infotextkey>get=_blank class=infotextkey>上_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>超过_blank class=infotextkey>get=_blank class=infotextkey>申请_blank class=infotextkey>get=_blank class=infotextkey>员工_blank class=infotextkey>get=_blank class=infotextkey>上一_blank class=infotextkey>get=_blank class=infotextkey>年度税前 _blank class=infotextkey>3 倍工资总额，
_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>最_blank class=infotextkey>get=_blank class=infotextkey>高_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>超过 50 _blank class=infotextkey>get=_blank class=infotextkey>万，_blank class=infotextkey>get=_blank class=infotextkey>具_blank class=infotextkey>get=_blank class=infotextkey>体分为 _blank class=infotextkey>get=_blank class=infotextkey>10、_blank class=infotextkey>get=_blank class=infotextkey>20、_blank class=infotextkey>30、40、50 _blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>万元_blank class=infotextkey>共 5 档。


五、 _blank class=infotextkey>get=_blank class=infotextkey>申请_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>流程
    1、_blank class=infotextkey>get=_blank class=infotextkey>员工提交《_blank class=infotextkey>get=_blank class=infotextkey>员工_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房借款_blank class=infotextkey>get=_blank class=infotextkey>申请表》，经_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>部门负责_blank class=infotextkey>get=_blank class=infotextkey>人与分管总批准；
    _blank class=infotextkey>get=_blank class=infotextkey>2、初审初评：_blank class=infotextkey>get=_blank class=infotextkey>人力_blank class=infotextkey>get=_blank class=infotextkey>资源_blank class=infotextkey>部对_blank class=infotextkey>get=_blank class=infotextkey>申请_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>资格_blank class=infotextkey>get=_blank class=infotextkey>进行初审_blank class=infotextkey>get=_blank class=infotextkey>进行初评；
    _blank class=infotextkey>3、复审复评：_blank class=infotextkey>get=_blank class=infotextkey>人力_blank class=infotextkey>get=_blank class=infotextkey>资源_blank class=infotextkey>部_blank class=infotextkey>get=_blank class=infotextkey>组织_blank class=infotextkey>get=_blank class=infotextkey>专题_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>会议初审结果_blank class=infotextkey>get=_blank class=infotextkey>进行复审，并将复审结果
_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公示一周，_blank class=infotextkey>get=_blank class=infotextkey>接受各方监督。_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公示_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>异议并查证_blank class=infotextkey>不符_blank class=infotextkey>合_blank class=infotextkey>get=_blank class=infotextkey>条件的，_blank class=infotextkey>get=_blank class=infotextkey>取消_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>申请；
    4、审批：_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公示后无_blank class=infotextkey>get=_blank class=infotextkey>异议的，报_blank class=infotextkey>董事长审批；
    5、_blank class=infotextkey>get=_blank class=infotextkey>申请_blank class=infotextkey>get=_blank class=infotextkey>人与_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司签订《_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房借款_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同》 ；
    6、_blank class=infotextkey>get=_blank class=infotextkey>贷款发放：_blank class=infotextkey>get=_blank class=infotextkey>申请_blank class=infotextkey>get=_blank class=infotextkey>人需提交以_blank class=infotextkey>get=_blank class=infotextkey>下_blank class=infotextkey>get=_blank class=infotextkey>资料给_blank class=infotextkey>get=_blank class=infotextkey>财务_blank class=infotextkey>部
              _blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同的正本备核和复印件备存；
              _blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>商业_blank class=infotextkey>get=_blank class=infotextkey>贷款或_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公积_blank class=infotextkey>get=_blank class=infotextkey>金_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同备核（如_blank class=infotextkey>get=_blank class=infotextkey>有）；
    7、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司可视_blank class=infotextkey>get=_blank class=infotextkey>具_blank class=infotextkey>get=_blank class=infotextkey>体_blank class=infotextkey>get=_blank class=infotextkey>情况，_blank class=infotextkey>get=_blank class=infotextkey>要求借款_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>提供相应的担_blank class=infotextkey>get=_blank class=infotextkey>保，担_blank class=infotextkey>get=_blank class=infotextkey>保_blank class=infotextkey>get=_blank class=infotextkey>方式包括但_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>限
于抵押、质押、_blank class=infotextkey>get=_blank class=infotextkey>保证等。



六、借款偿还
    1、根据《借款_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同书》约_blank class=infotextkey>_blank class=infotextkey>定的还款_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>时间和_blank class=infotextkey>get=_blank class=infotextkey>金额，自借款发放次月起，_blank class=infotextkey>get=_blank class=infotextkey>通过
月度工资抵扣及_blank class=infotextkey>get=_blank class=infotextkey>每_blank class=infotextkey>get=_blank class=infotextkey>年度约_blank class=infotextkey>定_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>时间由借款_blank class=infotextkey>get=_blank class=infotextkey>人向_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司指_blank class=infotextkey>定账户汇缴_blank class=infotextkey>get=_blank class=infotextkey>年度_blank class=infotextkey>get=_blank class=infotextkey>大额还款_blank class=infotextkey>get=_blank class=infotextkey>金
额。
    _blank class=infotextkey>get=_blank class=infotextkey>2、借款_blank class=infotextkey>get=_blank class=infotextkey>人_blank class=infotextkey>get=_blank class=infotextkey>每年总还款_blank class=infotextkey>get=_blank class=infotextkey>金额_blank class=infotextkey>最低为：总借款_blank class=infotextkey>get=_blank class=infotextkey>金额/还款年_blank class=infotextkey>get=_blank class=infotextkey>限，_blank class=infotextkey>get=_blank class=infotextkey>每月还款_blank class=infotextkey>get=_blank class=infotextkey>金额_blank class=infotextkey>最
低为：_blank class=infotextkey>get=_blank class=infotextkey>每年总还款_blank class=infotextkey>get=_blank class=infotextkey>金额*_blank class=infotextkey>get=_blank class=infotextkey>50%/1_blank class=infotextkey>get=_blank class=infotextkey>2,_blank class=infotextkey>get=_blank class=infotextkey>剩余_blank class=infotextkey>get=_blank class=infotextkey>每年总还款_blank class=infotextkey>get=_blank class=infotextkey>金额*_blank class=infotextkey>get=_blank class=infotextkey>50%的_blank class=infotextkey>get=_blank class=infotextkey>大额还款应按_blank class=infotextkey>get=_blank class=infotextkey>每年
约_blank class=infotextkey>_blank class=infotextkey>定的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>时间偿还；还款年_blank class=infotextkey>get=_blank class=infotextkey>限_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>最_blank class=infotextkey>get=_blank class=infotextkey>高为 _blank class=infotextkey>get=_blank class=infotextkey>10 年，借款年_blank class=infotextkey>get=_blank class=infotextkey>利率为 1%。
    _blank class=infotextkey>3、若借款_blank class=infotextkey>get=_blank class=infotextkey>人在还款期间未能按约_blank class=infotextkey>定_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>时间偿还_blank class=infotextkey>get=_blank class=infotextkey>年度_blank class=infotextkey>get=_blank class=infotextkey>大额还款，从逾期之日起，
_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司将按_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中国_blank class=infotextkey>get=_blank class=infotextkey>人民_blank class=infotextkey>get=_blank class=infotextkey>银行同期_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>商业_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>基准_blank class=infotextkey>get=_blank class=infotextkey>利率_blank class=infotextkey>get=_blank class=infotextkey>标准_blank class=infotextkey>收取借款利息，_blank class=infotextkey>get=_blank class=infotextkey>每月由_blank class=infotextkey>get=_blank class=infotextkey>人力资
源_blank class=infotextkey>部从借款_blank class=infotextkey>get=_blank class=infotextkey>人税后工资_blank class=infotextkey>get=_blank class=infotextkey>中扣除。
   4、若借款_blank class=infotextkey>get=_blank class=infotextkey>人在约_blank class=infotextkey>定_blank class=infotextkey>get=_blank class=infotextkey>服务期_blank class=infotextkey>get=_blank class=infotextkey>离职（包括但_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>限于_blank class=infotextkey>get=_blank class=infotextkey>辞职、_blank class=infotextkey>get=_blank class=infotextkey>劳动_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同期满_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>再续签、
_blank class=infotextkey>get=_blank class=infotextkey>员工_blank class=infotextkey>get=_blank class=infotextkey>退休或_blank class=infotextkey>get=_blank class=infotextkey>按照_blank class=infotextkey>get=_blank class=infotextkey>劳动_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同的约_blank class=infotextkey>定被_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司解雇等情形），_blank class=infotextkey>get=_blank class=infotextkey>必须在_blank class=infotextkey>get=_blank class=infotextkey>离职前还_blank class=infotextkey>get=_blank class=infotextkey>清_blank class=infotextkey>get=_blank class=infotextkey>全_blank class=infotextkey>部借
款及按_blank class=infotextkey>get=_blank class=infotextkey>银行同期_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>基准_blank class=infotextkey>get=_blank class=infotextkey>利率补交支付利息，而_blank class=infotextkey>_blank class=infotextkey>不是按约_blank class=infotextkey>定_blank class=infotextkey>get=_blank class=infotextkey>利率支付利息。


七、个_blank class=infotextkey>get=_blank class=infotextkey>人所得税
    根据相关_blank class=infotextkey>get=_blank class=infotextkey>税务_blank class=infotextkey>get=_blank class=infotextkey>法规_blank class=infotextkey>get=_blank class=infotextkey>规_blank class=infotextkey>定，_blank class=infotextkey>get=_blank class=infotextkey>员工应自行承担因该借款所产_blank class=infotextkey>get=_blank class=infotextkey>生的个_blank class=infotextkey>get=_blank class=infotextkey>人所得税，并
将由_blank class=infotextkey>get=_blank class=infotextkey>员工所在_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司_blank class=infotextkey>get=_blank class=infotextkey>代扣缴。



_blank class=infotextkey>get=_blank class=infotextkey>八、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司提前_blank class=infotextkey>收_blank class=infotextkey>get=_blank class=infotextkey>回借款的情形
    _blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司在以_blank class=infotextkey>get=_blank class=infotextkey>下_blank class=infotextkey>get=_blank class=infotextkey>情况_blank class=infotextkey>get=_blank class=infotextkey>下_blank class=infotextkey>get=_blank class=infotextkey>有权提前_blank class=infotextkey>收_blank class=infotextkey>get=_blank class=infotextkey>回借款，_blank class=infotextkey>get=_blank class=infotextkey>员工应_blank class=infotextkey>get=_blank class=infotextkey>按照_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司_blank class=infotextkey>get=_blank class=infotextkey>规_blank class=infotextkey>定的日期及_blank class=infotextkey>时归
还借款并自借款发放之日起按_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>中国_blank class=infotextkey>get=_blank class=infotextkey>人民_blank class=infotextkey>get=_blank class=infotextkey>银行同期_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>商业_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>基准_blank class=infotextkey>get=_blank class=infotextkey>利率_blank class=infotextkey>get=_blank class=infotextkey>标准支付借
款利息及_blank class=infotextkey>get=_blank class=infotextkey>违约_blank class=infotextkey>get=_blank class=infotextkey>金：
    1、_blank class=infotextkey>get=_blank class=infotextkey>员工_blank class=infotextkey>获得借款后_blank class=infotextkey>get=_blank class=infotextkey>退_blank class=infotextkey>get=_blank class=infotextkey>房；
    _blank class=infotextkey>get=_blank class=infotextkey>2、_blank class=infotextkey>get=_blank class=infotextkey>员工在_blank class=infotextkey>get=_blank class=infotextkey>申请借款过程_blank class=infotextkey>get=_blank class=infotextkey>中虚假陈述或在借款过程_blank class=infotextkey>get=_blank class=infotextkey>中伪造_blank class=infotextkey>材料；
    _blank class=infotextkey>3、_blank class=infotextkey>get=_blank class=infotextkey>员工擅自变更借款用途；
    4、_blank class=infotextkey>get=_blank class=infotextkey>员工_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房用途违反本借款_blank class=infotextkey>计划的目的；
    5、_blank class=infotextkey>get=_blank class=infotextkey>员工因违反_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司规章_blank class=infotextkey>制度被_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司给予记_blank class=infotextkey>get=_blank class=infotextkey>大过以_blank class=infotextkey>get=_blank class=infotextkey>上处罚的；
    6、_blank class=infotextkey>get=_blank class=infotextkey>员工借款后_blank class=infotextkey>get=_blank class=infotextkey>年度绩效考核_blank class=infotextkey>get=_blank class=infotextkey>排名位列_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>部门_blank class=infotextkey>最后 _blank class=infotextkey>get=_blank class=infotextkey>10%；
    7、借款_blank class=infotextkey>get=_blank class=infotextkey>人在约_blank class=infotextkey>定_blank class=infotextkey>继续_blank class=infotextkey>get=_blank class=infotextkey>服务期间_blank class=infotextkey>get=_blank class=infotextkey>离职（包括但_blank class=infotextkey>不_blank class=infotextkey>get=_blank class=infotextkey>限于_blank class=infotextkey>get=_blank class=infotextkey>辞职、_blank class=infotextkey>get=_blank class=infotextkey>劳动_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同期满_blank class=infotextkey>不
_blank class=infotextkey>get=_blank class=infotextkey>再续签、_blank class=infotextkey>get=_blank class=infotextkey>员工_blank class=infotextkey>get=_blank class=infotextkey>退休或_blank class=infotextkey>get=_blank class=infotextkey>按照_blank class=infotextkey>get=_blank class=infotextkey>劳动_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同的约_blank class=infotextkey>定被_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司解雇等情形）；
    8、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司发放_blank class=infotextkey>get=_blank class=infotextkey>员工_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>贷款的目的是_blank class=infotextkey>get=_blank class=infotextkey>支持_blank class=infotextkey>优秀_blank class=infotextkey>get=_blank class=infotextkey>员工_blank class=infotextkey>get=_blank class=infotextkey>实现_blank class=infotextkey>get=_blank class=infotextkey>置业，因此_blank class=infotextkey>get=_blank class=infotextkey>员工_blank class=infotextkey>get=_blank class=infotextkey>使用
该_blank class=infotextkey>get=_blank class=infotextkey>贷款购置的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>房屋在_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>期内须用于自_blank class=infotextkey>get=_blank class=infotextkey>住，在_blank class=infotextkey>get=_blank class=infotextkey>贷款期间，_blank class=infotextkey>get=_blank class=infotextkey>财务_blank class=infotextkey>部负责_blank class=infotextkey>get=_blank class=infotextkey>组织对_blank class=infotextkey>get=_blank class=infotextkey>员工
的_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>贷款_blank class=infotextkey>get=_blank class=infotextkey>使用_blank class=infotextkey>get=_blank class=infotextkey>情况和_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房_blank class=infotextkey>get=_blank class=infotextkey>产权状况_blank class=infotextkey>get=_blank class=infotextkey>进行一年一次的_blank class=infotextkey>get=_blank class=infotextkey>评估，以确_blank class=infotextkey>get=_blank class=infotextkey>保_blank class=infotextkey>get=_blank class=infotextkey>员工_blank class=infotextkey>get=_blank class=infotextkey>购_blank class=infotextkey>get=_blank class=infotextkey>房用于
自_blank class=infotextkey>get=_blank class=infotextkey>住。如_blank class=infotextkey>get=_blank class=infotextkey>员工_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>住_blank class=infotextkey>get=_blank class=infotextkey>房用途_blank class=infotextkey>get=_blank class=infotextkey>发生_blank class=infotextkey>get=_blank class=infotextkey>变化，则_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司_blank class=infotextkey>get=_blank class=infotextkey>有权_blank class=infotextkey>get=_blank class=infotextkey>要求_blank class=infotextkey>get=_blank class=infotextkey>员工提前还款并支付_blank class=infotextkey>get=_blank class=infotextkey>全额_blank class=infotextkey>get=_blank class=infotextkey>贷款
在实际_blank class=infotextkey>get=_blank class=infotextkey>贷款期的利息。
    9、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司认为_blank class=infotextkey>get=_blank class=infotextkey>其他_blank class=infotextkey>get=_blank class=infotextkey>需要提前_blank class=infotextkey>收_blank class=infotextkey>get=_blank class=infotextkey>回借款的情形。
九、违规处罚
    1、_blank class=infotextkey>get=_blank class=infotextkey>申请借款过程_blank class=infotextkey>get=_blank class=infotextkey>中_blank class=infotextkey>get=_blank class=infotextkey>员工如_blank class=infotextkey>get=_blank class=infotextkey>有_blank class=infotextkey>get=_blank class=infotextkey>造假或虚假陈述_blank class=infotextkey>get=_blank class=infotextkey>行为，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司将立即_blank class=infotextkey>收_blank class=infotextkey>get=_blank class=infotextkey>回借款并
_blank class=infotextkey>get=_blank class=infotextkey>按照奖惩_blank class=infotextkey>get=_blank class=infotextkey>管理_blank class=infotextkey>get=_blank class=infotextkey>办法予以处罚直至解除_blank class=infotextkey>get=_blank class=infotextkey>劳动_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同。
    _blank class=infotextkey>get=_blank class=infotextkey>2、_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>部门负责_blank class=infotextkey>get=_blank class=infotextkey>人及分管总、_blank class=infotextkey>get=_blank class=infotextkey>人力_blank class=infotextkey>get=_blank class=infotextkey>资源_blank class=infotextkey>部须严格_blank class=infotextkey>get=_blank class=infotextkey>审核_blank class=infotextkey>get=_blank class=infotextkey>员工_blank class=infotextkey>get=_blank class=infotextkey>申请_blank class=infotextkey>get=_blank class=infotextkey>资格，若_blank class=infotextkey>get=_blank class=infotextkey>发现隐
瞒、包庇_blank class=infotextkey>get=_blank class=infotextkey>行为，_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>get=_blank class=infotextkey>公司将_blank class=infotextkey>get=_blank class=infotextkey>按照奖惩_blank class=infotextkey>get=_blank class=infotextkey>管理_blank class=infotextkey>get=_blank class=infotextkey>办法予以处罚直至解除_blank class=infotextkey>get=_blank class=infotextkey>劳动_blank class=infotextkey>get=_blank class=infotextkey>_blank class=infotextkey>合同。
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