Tighten and adjust the direction.
The client of Sino-Singapore Jingwei noticed that since 20 19, many cities have tightened their policies by reducing the amount of provident fund loans and restricting "business-to-public" loans.
Among them, Xi Housing Provident Fund Management Center said on April 23rd this year that the first-level response measures for the prevention and control of capital liquidity risk will be implemented from May 13. Reduce the total amount of housing provident fund loans from 18 times to 15 times; Suspend the purchase of houses outside Xi 'an (including Xixian New Area) and withdraw the provident fund.
Wuxi announced in September that it would reduce the maximum loan amount of personal provident fund loans from the previous 500,000 yuan to 300,000 yuan; If both the borrower and spouse meet the loan conditions, the maximum loan amount will be reduced from 800,000 yuan to 600,000 yuan. According to the official interpretation of Wuxi, this adjustment aims at supporting employees to purchase the first set of ordinary housing and the second set of improved housing, standardizing the withdrawal of housing provident fund, restraining 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.
Urumqi stipulates that the maximum loan amount of housing provident fund loans in Urumqi will be reduced from 1 10,000 yuan to 700,000 yuan from February/6. At the same time, the loan calculation formula has also been adjusted according to national standards. The balance of personal provident fund account is related to the loan amount, and withdrawing the provident fund before the loan will affect the loan amount.
Regarding the loan business of "commercial to public", Xiamen proposed to dynamically manage the housing provident fund loan business in different places and the commercial housing loan to housing provident fund loan business. According to the actual situation in Xiamen, from July 1, housing provident fund loans from different places and "business-to-business" loans were suspended.
While reducing the maximum loan amount of the provident fund this year, Huainan also suspended the business of "business-to-business" and the loan business in different places in the city center.
Of course, there are also cities that have tightened and relaxed.
Among them, Zhengzhou issued a document on February 4, 65438, saying that on June 65438+1October 0, 2020, the loan amount of housing provident fund increased from 600,000 yuan to 800,000 yuan. That is, if both husband and wife of the borrower meet the conditions for provident fund loans and the family applies for provident fund loans for the first time, the maximum loan amount will be raised from 600,000 yuan to 800,000 yuan. If the borrower unilaterally meets the conditions for provident fund loans or the family applies for provident fund loans for the second time, the maximum loan amount will be raised from 400,000 yuan to 600,000 yuan.
Yangzhou stipulates that the maximum amount of housing provident fund loans in Yangzhou will be restored from 20 19 10000 yuan from 350,000 yuan to 500,000 yuan (if a single employee pays housing provident fund, the maximum amount will be restored from 2 10000 yuan to 300,000 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 think tank center of Yiju Research Institute, told Zhongxin Jingwei client that the starting point of policy adjustment like Yangzhou is to solve the housing demand problem. In some cities, such as Wuxi, the amount of provident fund loans has decreased, which is related to the regulatory tone of such cities.
Zhang Dawei, chief analyst of Zhongyuan Real Estate, pointed out that the provident fund policy has been relaxed and tightened. On the whole, most cities have introduced "one city, one policy" for the development of their own property market.
Guarantee just need and serve people's livelihood.
The client of Sino-Singapore Jingwei noticed that since 20 19, the adjustment of provident fund policies in various places mainly focused on ensuring just-needed and improved demand. The adjustment direction involves relaxing the loan period of provident fund, increasing efforts to support the withdrawal of provident fund rental, restricting the withdrawal of off-site house purchase or loan provident fund, etc.
Take Chengdu as an example. From June 1 1, the purchased re-traded housing with a building age of more than 30 years may not apply for a re-traded housing loan, and the original provision that the re-traded housing with a building age of more than 20 years may not be loaned when applying for a provident fund loan is cancelled. To apply for a second-hand housing loan, the longest loan period is 30 years, and it cannot exceed the remaining land use right of the mortgaged property, and the original provision of "applying for a second-hand housing loan, the loan period plus the age of the purchased house shall not exceed 30 years" shall be cancelled.
Deyang, also located in Sichuan Province, has previously made it clear that the longest loan period for second-hand houses will be extended from 20 years to 30 years.
It is worth mentioning that Wuhan changed the original stipulation that "the longest loan period of second-hand housing provident fund is 20 years" to "the longest loan period of stock houses is not more than 30 years", and relaxed the restrictions on applying for second-home provident fund loans, deleting the original stipulation that the construction area of the first suite is below 144 square meters.
In terms of supporting provident fund to pay rent, Zhongxin Jingwei client found that since 20 19, Shenzhen, Hefei, Nanjing, Harbin, Wuhu, Nantong, Dazhou and other cities have issued corresponding new regulations.
Among them, Shenzhen issued a notice on June 5438+ 10, starting from June 5438+065438+ 10/. Employees who belong to the basic security object of Shenzhen public rental housing can choose to withdraw the provident fund according to the actual rent every month, and the balance of the employee housing provident fund account does not exceed.
Hefei stipulates that from 165438+ 10/day, if there is no room to rent commercial housing in this city, the annual limit for single employees to withdraw housing provident fund to pay rent will be raised to 1 2000 yuan, and the annual limit for married couples to withdraw housing provident fund to pay rent will be raised to 24,000 yuan.
Harbin proposed that starting from April 30 this year, the rent payment standard for employees who have paid the provident fund without housing will rise by 25%.
Dazhou, Sichuan Province also issued a notice, clearly giving priority to supporting the withdrawal of housing provident fund to pay rent. According to the regulations of our city, employees and their spouses who do not own houses or rent houses at the deposit place can apply for 1 to withdraw housing accumulation fund to pay rent every natural year, and the withdrawal amount does not exceed 1.8 million yuan.
Xia Lei, vice president of Evergrande Research Institute, told the media that the policy of renting and selling at the same time is the general trend. Provident fund will play a more important role in housing leasing. Encouraging the withdrawal of provident fund for renting houses can promote the development of housing leasing in the future to a certain extent and further solve the housing problem of young people in big cities.
It is worth noting that in 20 19, some cities also restricted the loan and withdrawal of housing provident fund in different places to ensure that it is just needed.
Take Taian, Shandong as an example. In April, our city proposed that in order to prevent the extraction of housing provident fund from real estate speculation and strengthen the risk control of housing provident fund, Tai 'an City adjusted the policy of extraction of housing provident fund from different places, the policy of repaying principal and interest of self-occupied housing loans from different places and the policy of extraction of housing provident fund, focusing on supporting the extraction of housing provident fund. Purchase the first and second sets of improved housing at the place of deposit or household registration.
Liuzhou also stipulates that from September 6 this year, if you buy a house outside the city and where you and your spouse are registered, you will be suspended from accepting the application for housing provident fund withdrawal.
Liuzhou Housing Provident Fund Management Center said that restricting the extraction of non-self-occupied housing in different places is in line with the spirit of housing positioning. When the utilization rate of housing provident fund funds in Liuzhou City reaches over 88%, it will help support most rigid housing needs.
Simplifies materials and is more convenient to handle.
The client of Sino-Singapore Jingwei found that on 20 19, many places made great efforts to handle provident fund business.
Shenzhen has adjusted the relevant certificates that are not suitable for the current extraction business: cancel the "certificate of termination of labor relations with the unit" and "unemployment certificate", and directly query and verify the data of employee unemployment certificate 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.
Luzhou cancelled nine types of collection business certificates, mainly including the certificate of change of bank account of the unit, the transfer document of the unit or the notice of dismissal. The materials for handling provident fund business are further simplified.
Zaozhuang has made it clear that a copy of the materials required for the cancellation of the housing provident fund deposit and loan business is required.
Huangshan stipulates that in the future, when paying employees to buy second-hand houses to apply for housing provident fund loans, they only need to make a written commitment and do not need to provide second-hand housing evaluation reports. Huangshan City Housing Provident Fund Management Center said that after canceling this report, it will reduce the capital expenditure for the paid employees by about 2.4 million yuan per year, which is of great significance to effectively reduce the burden on employees.
Illegal extraction and dishonesty will be punished.
As early as 2065438+May 2008, the Ministry of Housing and Urban-Rural Development and other four departments jointly issued a document to carry out the work of controlling illegal withdrawal of housing provident fund. Officials pointed out that some institutions and individuals illegally withdraw housing provident fund by forging proof materials and fictional housing consumption behavior, and some even formed a "black industrial chain" to defraud the withdrawal of housing provident fund, which disrupted the management order of housing provident fund and weakened the mutual assistance and security of the housing provident fund system.
The Sino-Singapore Jingwei client found that some cities in 20 19 continued to introduce new regulations, which "brightened the sword" for these behaviors.
Take Bengbu as an example, the city clearly stipulates that if the same person changes his marriage relationship more than twice (including twice) in a year to buy a house, or if the property right of the same house changes more than twice (including twice) in a year, the property owner and his spouse are not allowed to apply for buying a house to withdraw the housing provident fund. For depositors who illegally withdraw housing provident fund or apply for loans, the Municipal Housing Provident Fund Management Center will record their record of dishonesty and transfer it with their personal accounts. For those who have withdrawn funds, the funds will be returned in full within a time limit, and their housing provident fund withdrawal qualification and loan qualification will be suspended for 5 years.
Xiamen is clear that individuals, intermediaries and other organizations that illegally withdraw housing provident fund are suspected of forging purchase contracts, invoices, immovable property certificates and marriage certificates. In the process of illegally withdrawing housing provident fund, and Xiamen Housing Provident Fund Center will hand over clues to the public security department according to law and severely punish them according to law.
Jilin Tonghua focuses on the "Lao Lai" who has long maliciously refused to repay. The "Administrative Measures for the Punishment of Dishonesty of Housing Provident Fund" promulgated by this Municipality clearly states that if the deposit unit of the provident fund commits dishonesty, the legal representative of the unit will be included in the blacklist of dishonesty; If the development enterprise is included in the act of dishonesty, the cooperation relationship will be terminated, and the development enterprise's real estate will no longer enjoy the right to provident fund loans; If the depositor cheats, his account will be frozen for three years, and if he cheats, he will lose the right to borrow for five years.
Source: Zhongxin Jingwei