The latest housing accumulation fund policy will be implemented in Sichuan on 10.
After the implementation of loans in different places, citizens can pay in different places. "Where people work, where is the provident fund. No matter where you are, you can apply for a loan as long as you have paid it for 6 months. " However, to apply for a loan, you can only apply for a housing provident fund personal housing loan at the place where you are registered, and at the same time buy a self-occupied house at the place where you are registered.
Yesterday, the reporter learned from the Provincial Department of Housing and Urban-Rural Development that the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the Central Bank jointly issued the Notice on Developing Personal Housing Loan Business of Housing Provident Fund in June 5438+1October 65438+April (hereinafter referred to as the Notice), and this month, the new policy of benefiting the people in the Notice will be implemented in Sichuan.
Provident fund loan to buy two suites
Only "low-priced, small and medium-sized units"
Zhang Qiong, who lives in jinniu district, and his wife pay a monthly provident fund of nearly 10,000 yuan, and have long planned to buy a second suite. "I have long wanted to turn the idle housing provident fund into an existing house." The new policy to be introduced this month will give Zhang Qiong and his wife a chance to realize their dream of buying a house.
What types of housing does the provident fund loan include? According to the notice, the housing provident fund loan target is improved ordinary self-occupied housing. The relevant person in charge of the Provincial Housing and Construction Department said that due to the different economic development situations in different places, the province will not draw a unified line, but it must meet the local standards of "low-priced, small and medium-sized units".
How big is the loan amount? The Provincial Department of Housing and Construction said that at present, districts and cities in Sichuan, including Chengdu and Leshan, which have a housing provident fund personal housing loan issuance rate higher than 85%, will actively coordinate commercial banks to issue housing provident fund and commercial bank portfolio loans; Cities with less than 85% of the remaining districts and counties will appropriately increase the first set of self-occupied housing loans, and the adjustment range will be determined by the municipal housing provident fund management committees in light of local conditions.
After the implementation of off-site loans
Still can only borrow money to buy a house on the household registration.
After the implementation of loans in different places, citizens can pay in different places. According to the statistics of the Provincial Housing and Construction Department, last year, only the rural labor force in Sichuan was exported outside the province, which exceeded120,000. The demand for deposits and loans of housing accumulation fund in different places in Sichuan is huge. "Simply put, where people work, where is the provident fund. No matter where you are, you can apply for a loan as long as you have paid it for 6 months. "
Li Mei, a native of Leshan who lives in Huayang, has worked in Chengdu for 3 years and has plans to buy a house. "I have a certain provident fund in the past three years and plan to buy a small apartment in Chengdu."
However, being able to pay money in other places does not mean that you can buy a house in other places. The Provincial Housing and Construction Department said that applying for loans can only apply for housing provident fund personal housing loans at the place where the household registration is located, and at the same time purchase self-occupied housing at the place where the household registration is located.
Withdrawal quota of housing consumption accumulation fund in Chengdu
The extraction type of housing consumption category
Withdrawal limit
The withdrawal amount of the commercial house is the amount of the employee's individual and spouse's housing provident fund account last month when the purchase contract is filed and registered, and shall not exceed the actual purchase price (subject to the amount specified in the invoice or receipt of the purchase price).
The withdrawal amount of the re-traded housing is the amount of the employee's individual and spouse's housing provident fund account last month when the housing property certificate is issued, and does not exceed the actual purchase price (subject to the tax base specified in the deed tax payment certificate issued by the tax authorities).
The withdrawal amount of unit housing reform or fund-raising for the construction of affordable housing shall be retained until the amount of the employee's individual and spouse's housing provident fund account last month when the purchase contract is signed, and shall not exceed the actual purchase amount (subject to the amount specified in the special receipt of the housing reform department).
The withdrawal amount of resettlement housing is the amount from the employee's individual and spouse's housing provident fund account last month until the invoice or receipt is issued, and shall not exceed the actual purchase amount (subject to the amount specified in the invoice or receipt).
The withdrawal amount for the construction of owner-occupied housing shall not exceed the actual expenses paid. (The amount indicated on the invoice for payment of construction money or purchase of building materials shall prevail).
The withdrawal amount of renovated self-occupied housing shall not exceed the actual expenses paid. (The amount indicated on the invoice for payment of construction money or purchase of building materials shall prevail).
Large-scale construction of self-occupied housing extraction amount shall not exceed the actual cost paid. (The amount indicated on the invoice for payment of construction money or purchase of building materials shall prevail).
Lease self-occupied housing 1. The withdrawal amount shall not exceed the rent paid when the employee applies for withdrawal, and shall not exceed the prescribed limit and the balance of the employee housing provident fund account.
Materials required for non-housing consumption extraction of Chengdu provident fund
Non-housing consumption category extraction type
Required materials
Employee's resignation (retirement)
Leave, retirement certificate or relevant examination and approval procedures of the labor department at or above the county level;
Workers who have reached the statutory retirement age can apply with their ID cards.
Completely lose the ability to work and terminate the labor relationship with the unit.
Provide the appraisal certificate issued by the labor department at or above the county level that the laborer has completely lost the ability to work and the certificate that the laborer terminated the labor relationship with the unit.
Certificate of cancellation of account issued by the public security department where the account is located (the reason for cancellation is to leave the country for settlement)
Discard the labor relationship with the company. At3 17.com
Unemployed for two years, born in a family.
Life is seriously difficult.
Proof of serious difficulties in family life (issued by the street office where the unit or account is located)
termination of labor contract
Employee unemployment certificate
Proof of serious difficulties in family life (issued by the street office where the unit or household registration is located) that the male who terminates the labor relationship with the unit has reached the age of 50 and the female has reached the age of 45, and has not been re-employed and has difficulties in family life.
termination of labor contract
Employee unemployment certificate
After the termination of labor relations between migrant workers and their units, the documents on the termination of labor relations between migrant workers who are not re-employed in this city and their units.
Original account book,
Note: rural labor force reference: 1, household registration is agricultural household registration; 2. Being an agricultural laborer by occupation; 3, the public security department issued a certificate of agricultural household registration; 4. Land-expropriated farmers move to different places.
Those who meet one of the above four conditions are rural workers.
If I or my spouse, parents or children suffer from serious diseases, resulting in serious difficulties in family life, a major disease certificate or medical certificate issued by a hospital that meets the requirements of the medical insurance department;
Invoice for hospitalization expenses;
Proof of serious difficulties in family life issued by the community neighborhood Committee or township government (street office) where the employee works or where the household registration is located;
Extract the proof of the spouse or immediate family member between the applicant and the patient.
In case of sudden major natural disasters, which cause serious difficulties in family life, the disaster handling certificate issued by the relevant administrative department.
Proof of difficulties in family life.
Workers are included in the minimum living guarantee for urban residents in this city.
The minimum amount certificate issued by the civil affairs department shall be provided.
Chengdu provident fund withdrawal bank branch
Citizens who have withdrawn the provident fund may have had such feelings. It is very troublesome to travel back and forth between units, housing provident fund management centers and real estate developers with various documents. However, this situation will not happen again. Yesterday, the reporter learned from the business department of China Industrial and Commercial Bank of China Sichuan Branch that the bank has officially issued the Peony Card of Provident Fund in Chengdu, and customers who hold this card can easily handle the inquiries of remittance account, loan account and withdrawal of provident fund.
Provident Fund Peony Card is a peony card product jointly issued by Industrial and Commercial Bank of China and Chengdu Housing Provident Fund Management Center, which is issued to customers who establish housing provident fund system in the whole city. Besides the traditional banking financial function, the Peony Card of Provident Fund also has the characteristic function of provident fund business, which can provide faster and more convenient services for the majority of provident fund customers to inquire and withdraw housing provident fund.
It is understood that in the future, the withdrawal of Chengdu housing provident fund will eventually be handled through a joint provident fund card. Therefore, the peony card of provident fund will also become the only fund landing account and withdrawal way for employees of ICBC who collect housing provident fund.
According to reports, the Peony Card of Provident Fund is a multifunctional UnionPay standard quasi-credit card that integrates the provident fund business functions such as personal housing provident fund remittance, loan account inquiry and housing provident fund withdrawal, and other financial functions such as bank credit card personal savings, deposit and withdrawal, transfer settlement, POS consumption and agency business. The launch of the Peony Card for Provident Fund will build a new service platform for housing provident fund business among housing provident fund management centers, banks and individual employees.
Provident Fund Peony Card Provident Fund Business Function
★ Housing accumulation fund inquiry function
◎ Fund balance inquiry and deposit information inquiry
Provident Fund Peony Card holders can check the balance and payment time of provident fund remittance account through ICBC outlets, provident fund business counters, telephone banking, online banking and self-service equipment such as ATMs (automatic teller machines) and BSM (self-service terminals) in Chengdu.
◎ Detailed inquiry of provident fund deposit.
Cardholders of peony provident fund cards can inquire about the details of provident fund remittance and payment through ICBC outlets, provident fund business counters, telephone banking, online banking and BSM (self-service terminal) in Chengdu, and realize the function of self-service terminal printing details.
◎ Inquiring about the balance of provident fund loans
Cardholders of provident fund peony cards can check the balance of provident fund loans through ICBC outlets, provident fund business counters, telephone banking, online banking, ATM (automatic teller machine), BSM (self-service terminal) and other self-service devices in Chengdu, and can realize the printing function.
◎ Detailed inquiry of provident fund loan repayment.
Cardholders of provident fund peony card can check the monthly repayment details of provident fund loan account through ICBC outlets, provident fund business counters, telephone banking, online banking and BSM (self-service terminal) in Chengdu, and realize the function of printing details.
★ Extraction function of housing accumulation fund
To withdraw individual housing provident fund, as long as it is approved by Chengdu Housing Provident Fund Management Center, the withdrawal amount of individual housing provident fund will be directly transferred to the peony card account of the provident fund. Cardholders can withdraw cash from all ICBC outlets or UnionPay self-service equipment in China only by holding the Peony Card of Provident Fund.
Financial function of peony card of provident fund: Peony card of provident fund has the basic financial functions of ICBC credit card, such as deposit and withdrawal, transfer settlement, POS consumption, e-banking, collection and withholding business, etc.
Extraction conditions of Chengdu provident fund rental house
1. There is no self-owned house in the workplace and the place where the housing provident fund is paid;
2. The housing provident fund has not been withdrawn for the purchase, construction, renovation, overhaul of self-owned housing or repayment of the principal and interest of housing mortgage loans;
3. The monthly rent exceeds 20% of the sum of the monthly housing provident fund deposit bases of the employees themselves and their spouses;
4. The time of legally renting self-occupied housing in Chengdu exceeds 1 year.
New interest rate standard for individual housing provident fund loans in Chengdu 20 15
It was learned from Chengdu Provident Fund Center that according to the Notice of the People's Bank of China on Lowering the Benchmark Interest Rate of RMB Loans and Deposits of Financial Institutions and Further Promoting the Reform of Interest Rate Marketization, the interest rate of individual housing provident fund loans in Chengdu has been lowered since June 22nd. 165438+. Among them, the interest rate of loans with a term of less than five years (including five years) is lowered from the current 4.0% to 3.75%; The interest rate for loans with a term of more than five years will be lowered from the current 4.5% to 4.25%.
It is understood that the current maximum amount of a single housing provident fund loan in Chengdu is 500,000 yuan. Employees purchase the first set of housing and apply for provident fund loans, with a down payment of not less than 30%. If you apply for provident fund loan for purchasing a second house, the down payment shall be no less than 50%, and the loan interest rate shall be 1. 1 times of the first house provident fund loan interest rate in the same period.
According to the person in charge of Chengdu Provident Fund Center, after the interest rate adjustment, the interest rate of housing provident fund loans for more than five years is lower than the benchmark interest rate of commercial loans of the same grade by 1.9 percentage points, which provides more powerful support for employees to solve their own housing needs. Under the benchmark interest rate, taking the loan amount of 500,000 yuan, the loan term of 20 years and the repayment method of equal principal and interest as an example, after the interest rate is lowered, the total repayment amount of housing provident fund loans will be saved by 160 1 1 yuan.
Tips:
1.165438+1new housing provident fund loans issued on or after October 22nd shall be implemented according to the adjusted interest rate standard; For housing provident fund loans issued before June 22nd, 1 1, the adjusted interest rate will be implemented from June next year 1.
2. The housing provident fund loan can be repaid in advance: 1. The borrower may apply for prepayment of the principal once a year; 2. In case of partial prepayment, the principal repayment amount shall be a multiple of 5,000 yuan; 3. No penalty will be charged for prepayment; 4. Borrowers can apply to their respective loan banks.
3. For public consultation on relevant business policies, please call Chengdu Housing Provident Fund Service Hotline 12329, or visit Chengdu Provident Fund Center in official website, Weibo: Tencent, Sina Weibo, and search for "Chengdu Housing Provident Fund" and www.cdzfgjj.gov.cn.
From 1 65438+1October1,the maximum loan of Chengdu provident fund loan policy is 500,000 yuan.
Starting from 1 1, Chengdu's housing provident fund loan policy will undergo four major adjustments: the application threshold will be lowered, the maximum loan amount will be increased, and second-time home buyers can also apply, taking the lead in launching off-site loans in the country. Chengdu Provident Fund Center Tel 028- 12329.
On October 30th, 65438/kloc-0, Chengdu Provident Fund Center announced that the housing provident fund loan policy in Chengdu was partially adjusted from June 1 1. Among them, the application conditions for employee loans are adjusted to continuous normal deposit of provident fund for 6 months; The maximum amount of a single loan is raised to 500,000 yuan; Families that already have a house and settle the loan balance will implement the first home loan policy.
After the New Deal came into effect, it mainly affected new employees, two sets of improved groups, groups buying houses in different places, and groups buying houses with large loan demand. On the details and impact of the New Deal, Huaxi Dushi Bao reporter interviewed the person in charge of Chengdu Provident Fund Center for authoritative interpretation.
Threshold reduction
You can apply for provident fund loans after six months of continuous deposit.
Workers who have paid the housing provident fund for more than 6 months and meet the conditions of other provident fund loans may apply for provident fund loans.
According to the relevant person in charge of Chengdu Provident Fund Center, according to the current policy, employees applying for provident fund loans need to pay the provident fund continuously for one year. After the adjustment, this time will be shortened to half a year, employees can apply for loans earlier, and employees who have not worked long can also use provident fund loans. At the same time, if the employees transferred from other places to work in Chengdu have paid the provident fund in Chengdu for less than 6 months, the payment time can be calculated together after providing the certificate of continuous normal payment issued by the foreign provident fund center.
add to a quota
The maximum amount of a single loan will be raised to 500,000 yuan.
Another important adjustment to be implemented next month is to raise the maximum amount of a single provident fund loan from 400 thousand yuan to 500 thousand yuan.
In recent years, with the rise of housing prices, the loan amount can be increased accordingly, and the loan demand of employees can be solved more effectively. In this regard, the relevant person in charge of Chengdu Provident Fund Center said: "The main function of provident fund loans is to serve the basic housing needs of employees. From the analysis of loan business operation in recent years, employees who borrow provident fund loans mainly buy the first suite and small and medium-sized units below 90 square meters. At present, the cooperative owners of provident fund loans in Chengdu are mainly located outside the Second Ring Road. Considering the regional average house price and other factors, under the current conditions, the quota of 500,000 can better meet the loan demand of employees.
Increasing the loan amount can also bring many benefits to employees. For example, the person in charge said, "After the quota is increased, the employees will repay the principal and interest in equal amount while implementing the benchmark interest rate. Based on the loan term of 20 years, the provident fund loan will pay less interest of1390,000 yuan than the commercial loan. When the interest rate rises by 654.38+00%, the second suite will pay less interest of1570,000 yuan than the commercial loan. "
Suites with a down payment of 32% are also expected to enjoy the first suite policy.
The first set of housing loan policy will be implemented for the families of paid workers who already own 1 house and settle the balance of housing loans, and apply for provident fund loans to buy self-occupied houses again in order to improve their living conditions.
At present, to purchase a second house and apply for a provident fund loan, the minimum down payment needs to be 50%, and the interest rate needs to rise 10%. "The first home loan policy is: 30% down payment, benchmark interest rate!" The relevant person in charge of Chengdu Provident Fund Center said that this means that second-home buyers who meet the policy can also enjoy this policy, and the pressure on housing funds is greatly reduced. It is reported that the benchmark interest rate of Chengdu provident fund loans is 4.5% for more than five years and 4% for less than five years. However, it should be noted that employees who buy a second house in Chengdu will only use provident fund loans to buy self-occupied houses with improved living conditions, and the restriction that the construction area of existing and purchased houses should not exceed 1.44 square meters will be cancelled. Off-site loans Chengdu employees can apply for off-site loans when they return to Chengdu to buy a house. From1October 1 1, Chengdu took the lead in opening off-site loans.
The relevant person in charge of Chengdu Provident Fund Center said: registered employees in Chengdu who pay housing provident fund in their places of employment and buy self-occupied houses in the administrative area of Chengdu can apply for loans from Chengdu Provident Fund Center on the basis of the provident fund deposit certificate issued by the housing provident fund management center in their places of employment.
The key to this policy lies in the "Chengdu hukou". For example, Chengdu residents who work in Beijing and other places (Chengdu household registration) intend to buy a house in Chengdu, and they can apply for a provident fund loan to buy a house in Chengdu with a deposit certificate issued by Beijing.