According to the incomplete statistics of Sino-Singapore Jingwei client, from June to August, * * * you 10 standardized and improved the provident fund withdrawal business, loan term or amount, off-site housing withdrawal, and cracking down on fraudulent use.
Since September, Huainan, Wuhan, Chengdu, Yichang, Xuzhou, Wuxi, Beihai, Huzhou, Yangzhou, Xingtai, Nanning, Shenzhen, Jinhua and other 13 cities have made new regulations on the amount and duration of provident fund loans, the requirements of applicants, the convenience of handling procedures and the withdrawal business.
3 cities reduce the amount of provident fund loans
Of the above-mentioned 13 cities, 3 cities have reduced their loans and 1 cities have increased their provident fund loans.
The three cities that lowered the quota were Beihai, Huainan and Wuxi.
Beihai mentioned that since the end of 20 18, the housing provident fund loan policy is relatively loose, and the demand for housing loans for employees is strong, resulting in a relatively tight housing provident fund fund fund situation. From 20 19 to 1, the personal loan utilization rate of housing provident fund has been running at a high level for several months, especially in Beihai, where the average personal loan rate is as high as 98.43%.
Beihai stipulates that from June 5438+00, employees applying for housing provident fund loans must continuously deposit housing provident fund 12 months or more, and the maximum amount of individual housing provident fund loans is adjusted as follows: the maximum amount of loans for single employees is appropriately lowered to 400,000 yuan, and the maximum amount of loans for married employees is 500,000 yuan. The minimum down payment for employees' families to buy a second house or apply for a second housing provident fund loan is 60%.
Huainan stipulates that if both husband and wife normally pay the housing provident fund, the maximum loan amount will be adjusted from 500,000 yuan to 450,000 yuan; For individual employees, the maximum loan amount is adjusted from 400,000 yuan to 350,000 yuan. The loan amount is linked to the balance of housing provident fund deposit, and the insufficient funds for house purchase are combined into loans. Rental of commercial housing is adjusted from the original monthly 1000 yuan to: 500 yuan for unmarried (single) employees and 800 yuan for married families; Suspension of "housing commercial loans to provident fund loans" business and "off-site loans" business in the city center.
Wuxi also made it clear that the maximum loan amount of provident fund loans will be reduced from the previous 500,000 yuan to 300,000 yuan. According to the official interpretation of Wuxi, the New Deal will focus on supporting employees to buy the first set of ordinary housing and the second set of improved housing, standardizing the withdrawal of housing provident fund, curbing investment in speculative housing purchase, preventing the risk of housing provident fund funds and ensuring the long-term healthy operation of the housing provident fund system.
On the contrary, Yangzhou requires that the maximum amount of housing provident fund loans be restored from 350,000 yuan to 500,000 yuan. Among them, if a single employee pays the housing provident fund, the maximum amount will be restored from 2 10000 yuan to 300000 yuan; The repayment ability coefficient of housing provident fund loans will be increased from the current 0.3 to 0.5.
Yan Yuejin, research director of the think tank center of Yiju Research Institute, believes that Yangzhou's announcement may be related to the recent slight increase in loan quota. Recently, the amount of provident fund loans in Guiyang, Jiaxing and other cities has increased, which fully reflects the just-needed orientation of provident fund loan protection. However, the amount of provident fund loans in some cities such as Wuxi has declined, which is related to the regulatory tone of such cities.
Wuhan and Chengdu: Extend the term of the second-home provident fund loan.
The city has relaxed the loan period of provident fund.
Chengdu proposed that, from 1 1, those who have purchased re-traded housing for more than 30 years may not apply for re-traded housing loans. Cancel the original "when applying for provident fund loans, if the purchased re-traded houses are over 20 years old, no loans will be granted"; Re-traded houses apply for loans with a maximum loan period of 30 years, which cannot exceed the remaining land use right of the mortgaged property. Cancel the original "application for re-trading housing loans, the loan period and the age of the purchased housing shall not exceed 30 years".
Wuhan deleted the condition that the building area of the original first suite was below 144 square meters in the identification of the second suite. This means that if the paid employees meet the conditions of Wuhan provident fund loan, and the house applying for provident fund loan is identified as the second suite, and the area of the first suite under the family name exceeds 144 square meters, they can still apply for the second suite provident fund loan. At the same time, the original stipulation that "the longest loan period of second-hand housing provident fund is 20 years" is changed to "the longest loan period of stock houses does not exceed 30 years".
According to the relevant person in charge of Wuhan Housing Provident Fund Management Center, after the implementation of the New Deal, the term of provident fund loans applied by second-hand housing buyers can be extended by 10 years compared with that before the adjustment of the detailed rules, which can reduce the pressure on family repayment.
3 city regulations: residential buildings and elevators can withdraw provident fund.
Yichang proposed that if the depositor's family (depositor and spouse) needs to install elevators in existing houses within Yichang area, they can withdraw the storage balance in the depositor's housing provident fund account.
It is clear in Wuhan that employees and their spouses will extract the same set of housing from the actual personal payment of the elevator construction cost (excluding the elevator operation and maintenance cost), and extract it once within 36 months from the date of approval of the Registration Form for Completion Acceptance of the Elevator Project for Existing Houses in Wuhan. The withdrawal amount is in households. When a household has more than one person to extract, the total amount of extraction shall not exceed the actual contribution of the elevator construction shared by the household. At the same time, the total number of elevators for employees and their spouses to withdraw housing provident fund is no more than two, and the outstanding provident fund loans under their names cannot be withdrawn.
The person in charge of Wuhan Housing Provident Fund Management Center said that adding elevators to existing houses is equivalent to the additional facilities of the original real estate. Therefore, the amount of housing provident fund for existing housing is extracted with reference to real estate, that is, the actual contribution of actual construction cost is extracted. According to estimates, the actual payment for installing an elevator for each household in Wuhan is generally around 60,000 yuan, and most paid employees can withdraw the payment at one time within 36 months.
Xingtai has also increased the withdrawal policy of "installing elevators in self-occupied houses in old residential areas without elevators", and relaxed the withdrawal conditions for employees in centralized sealed accounts, from "centralized sealed accounts have been managed for more than 2 years" to "not paying for continuous payment in centralized sealed accounts for more than half a year".
7 mutual recognition and loan between cities
In addition, some cities have introduced convenience policies.
Xuzhou Daily/KLOC-Since September, 2007, it has taken the lead in opening mutual recognition and mutual loan of housing provident fund loans in seven core cities of Huaihai Economic Zone, including Suzhou, Huaibei, Shangqiu, Heze, Zaozhuang, Lianyungang and Suqian, that is, mutual recognition of deposits and loans.
Workers who have paid in the above seven contracted cities to purchase houses in Xuzhou shall be implemented in accordance with the Xuzhou provident fund loan policy, and the household registration restrictions on provident fund loans shall be cancelled. Workers only need to pay the housing provident fund in full and continuously in their original city for more than 6 months (inclusive), and the housing provident fund center in the original city will issue the Certificate of Payment and Use of Housing Provident Fund for Employees with Loans (Off-site) and the details of personal account payment of housing provident fund (more than 6 months (inclusive)), which can be submitted to Xuzhou Housing Provident Fund Center. Employees who meet the application conditions for housing provident fund loans, have not used housing provident fund loans before, and meet the relevant conditions, can apply for housing provident fund portfolio loans.
3 cities simplify relevant procedures
Huzhou stipulates that borrowers will no longer need proof of income to declare interest discounts. After printing the application form, they can run with relevant information.
Nanning proposed that employees no longer need to fill in the application form for housing provident fund withdrawal business.
In Shenzhen, the "certificate of termination of labor relations with the unit" and "unemployment certificate" were explicitly cancelled, and the data of employee unemployment certificate were directly inquired and verified through platforms such as government information sharing; Cancel the "Certificate of Permanent Residence", and employees who have settled abroad or in Hong Kong, Macao and Taiwan may submit the certificate of cancellation of household registration, home visit permit or Taiwanese certificate.
Class 4 people welcome good news.
Some cities have adjusted relevant regulations for different types of applicants.
Chengdu is clear that when applying for provident fund loans, if the employees who have paid the provident fund in different places and have paid it in the current deposit place for less than 6 months have not been continuously interrupted before and after the deposit time, the deposit time, deposit time coefficient and deposit balance shall be calculated according to the relevant information issued by the original deposit center and the current deposit center; If the spouse exceeds the statutory retirement age and both husband and wife apply for provident fund loans when purchasing a house, the loan applicant shall meet all the loan application conditions. Spouses who are over the statutory retirement age but under the age of 65 may jointly apply for provident fund loans. Spouse pension, retirement pension, etc. Not included in the monthly income calculation.
Yichang mentioned that all graduates who settled in Yichang within five years after graduation buy the first set of self-occupied housing and apply for provident fund loans, and are not limited by account balance and deposit time coefficient when calculating the quota.
The New Deal stipulates that eligible college graduates and Yichang dual-employee families who normally pay the provident fund can enjoy a loan of up to 500,000 yuan. Single employee families who normally pay the provident fund can directly enjoy a maximum loan amount of 400,000 yuan.
Shenzhen stipulates that employees who belong to the basic security object can withdraw the actual housing rent expenditure every month, and it does not exceed the balance of the employee housing provident fund account. You can choose to withdraw the provident fund according to the actual rent every month, or you can choose to withdraw the provident fund according to no more than 65% of the amount payable in the current month.