盈趣科技: 员工购房借款管理办法（2025年7月）

Core Points - The company aims to enhance its employee incentive system by providing interest-free loans for first-time home purchases to alleviate housing burdens and attract key talent [1][2] - The total fund for the interest-free loan pool is set at 50 million RMB, which will be recycled for future employee loan applications [6][10] - Eligible employees must have been with the company for at least two years and meet specific performance criteria [2][3] Group 1: General Provisions - The purpose of the employee housing loan management measures is to support employees in achieving stable living conditions and to retain core talent [1] - The policy applies to the company and its domestic subsidiaries, excluding Hong Kong, Macau, Taiwan, and overseas entities [1][2] Group 2: Eligibility Criteria - Applicants must be long-term contract employees with at least two years of service and satisfactory performance in the previous year [2][3] - Employees in certain positions, such as major shareholders and senior management, are excluded from applying for the loans [1][2] Group 3: Loan Application and Approval Process - Applicants must submit a completed loan application form along with necessary documentation, including proof of no existing property ownership [4][5] - The approval process involves verification of submitted materials and a public announcement of the results [6][9] Group 4: Loan Amount and Terms - The maximum loan amount is capped at 500,000 RMB per employee, not exceeding the minimum down payment required for the property [6][8] - Borrowers must repay the loan within five years, with the option for early repayment [11][15] Group 5: Repayment and Default Provisions - Employees who leave the company must repay the loan in full before departure [14][19] - The company reserves the right to charge interest on overdue payments based on the People's Bank of China’s benchmark rate [7][19] Group 6: Supervision and Penalties - Employees found to have provided false information during the application process will face penalties, including loan recovery and potential termination [22][24] - The Human Resources department is responsible for monitoring compliance and ensuring proper use of company resources [23][26]