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13 cities issued a new policy for provident fund, and 7 cities recognized and lent to each other

13 cities issued a new policy for provident fund, and 7 cities recognized and lent to each other

Since the second half of the year, following the adjustment of relevant provisions on provident fund in Guangzhou, Changsha, Xiamen and other places, many cities have intensively introduced new policies on provident fund recently.

According to the incomplete statistics of China Singapore Jingwei client, from June to August, there were 10 room for normative improvement in terms of provident fund withdrawal business, loan term or amount, withdrawal of house purchase in other places, and cracking down on fraud.

Since September, 13 cities including Huainan, Wuhan, Chengdu, Yichang, Xuzhou, Wuxi, Beihai, Huzhou, Yangzhou, Xingtai, Nanning, Shenzhen and Jinhua have made new regulations on the amount and duration of provident fund loans, applicant requirements, convenience of procedures and withdrawal business.

3. Reduce the loan amount of provident fund in the city

In the above 13 cities, 3 cities lowered and 1 city increased the amount of provident fund loans.

The three cities that reduced the quota were Beihai, Huainan and Wuxi.

Beihai mentioned that since the end of 2018, due to the relatively loose housing provident fund loan policy and the strong demand for employees' loans to buy houses, the fund situation of housing provident fund is relatively tight. Since January 2019, the utilization rate of individual loans of housing provident fund has been running at a high level of more than 87% for several consecutive months, especially the average individual loan rate of Beihai city is as high as 98.43%.

Beihai stipulates that from October, employees applying for housing provident fund loans must pay the housing provident fund normally for more than 12 months. The maximum amount of individual housing provident fund loans is adjusted to: appropriately reduce the maximum amount of loans for single employees to 400000 yuan and married employees to 500000 yuan. If the employee's family purchases a second house or applies for a second housing provident fund loan, the minimum down payment ratio is 60%.

Huainan stipulates that if the husband and wife normally pay the housing provident fund, the maximum loan amount shall be adjusted from 500000 yuan to 450000 yuan; For single employee deposits, the maximum loan limit is adjusted from 400000 yuan to 350000 yuan. The amount of loans shall be linked to the balance of housing provident fund, and the part with insufficient house purchase funds shall be combined loans. For those who rent commercial housing, the original 1000 yuan per month shall be adjusted to 500 yuan per month for unmarried (single) employees and 800 yuan per month for married employee families; Suspend the "housing commercial loan to provident fund loan" business and the "non local loan" business in the city center.

Wuxi also made it clear that the maximum loan amount of provident fund loans would be reduced from 500000 yuan to 300000 yuan. Wuxi official interpretation said that the new deal will focus on supporting employees to buy the first set of ordinary housing and the second set of improved housing, standardize the withdrawal behavior of housing provident fund, inhibit investment speculative house purchase, prevent the capital risk of housing provident fund, and ensure the long-term healthy operation of the housing provident fund system.

On the contrary, Yangzhou requires that the maximum loan limit of housing provident fund be restored from 350000 yuan to 500000 yuan, of which the maximum limit of housing provident fund paid by a single employee is restored from 210000 yuan to 300000 yuan; The loan repayment capacity coefficient of housing provident fund loan will be increased from the current 0.3 to 0.5.

Yan Yuejin, research director of the think tank center of E-House Research Institute, believes that the release of this notice in Yangzhou may be related to the recent slight increase in the loan amount. Recently, the amount of provident fund loans, including Guiyang, Jiaxing and other cities, has increased, which fully illustrates the guidance of just needed provident fund loans. However, the amount of provident fund loans in some cities such as Wuxi has decreased, which is related to the tone of regulation in such cities.

Wuhan and Chengdu: extending the loan term of provident fund for second house

The city has relaxed the loan period of provident fund.

Chengdu proposed that from November, if the building age of the purchased re trading house exceeds 30 years, it shall not apply for a re trading house loan. Cancel the original "when applying for provident fund loan, if the purchased re transaction house is older than 20 years, no loan" provision; In case of applying for a re transaction house loan, the loan term shall be 30 years at most, and shall not exceed the remaining land use right term of the mortgaged house property. Cancel the original provision that the loan term plus the age of the purchased housing shall not exceed 30 years if applying for a re transaction housing loan.

Wuhan deleted the original condition that the construction area of the first house is less than 144 square meters in the identification of the second house. This means that if the deposited employees meet the conditions of Wuhan provident fund loan, and the house applying for provident fund loan is recognized as a second house, the first house under the family name has an area of more than 144 square meters, they can still apply for a second house provident fund loan. At the same time, the original 'second-hand housing provident fund loan period of up to 20 years' was changed to' the maximum loan period of stock housing shall 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 provident fund loan period 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 of family repayment.

3. City regulations: provident fund can be withdrawn for the addition of residential elevators

Yichang proposed that if the depositor's family (depositor and spouse) needs to install an elevator in the existing residence within Yichang area, the deposit balance in the depositor's housing provident fund account can be withdrawn.

Wuhan makes it clear that the employees and their spouses shall withdraw the same house from the personal actual contribution of the elevator construction cost (excluding elevator operation and maintenance cost) of the household, and withdraw it once within 36 months from the date of approval of the registration form for completion acceptance of additional elevator project in existing residential buildings in Wuhan. The withdrawal amount shall be based on the household. When more than one person withdraws from a household, the total withdrawal amount shall not exceed the actual investment amount of elevator construction apportioned by the household. At the same time, the total number of elevators added to the existing houses of employees and their spouses to withdraw the housing provident fund shall not exceed two, and the outstanding provident fund loans under their names shall not be withdrawn.

The relevant person in charge of Wuhan housing provident fund management center said that the addition of elevators in existing houses is equivalent to the additional facilities of the original real estate, so the amount of housing provident fund for the addition of elevators in existing houses is extracted with reference to the real estate category, that is, the actual construction cost and the actual contribution of individuals are extracted. It is estimated that the actual contribution of each household with an elevator installed in Wuhan is generally about 60000 yuan, and most of the deposited employees can withdraw the contribution at one time within 36 months.

Xingtai has also increased the withdrawal policy of "installing elevators in owner occupied houses in old residential areas without elevators", relaxed the withdrawal conditions for employees in centralized sealed accounts, and reduced the withdrawal condition from "more than 2 years in centralized sealed account management" to "those who have not continued to deposit in centralized sealed account management for more than half a year".

7 city mutual recognition and loan

In addition, some cities have issued convenience policies.

Xuzhou reported that since September 17, it has taken the lead in setting up mutual recognition and mutual loan of housing provident fund loans in seven signed core cities in the Huaihai Economic Zone, including Suzhou, Huaibei, Shangqiu, Heze, Zaozhuang, Lianyungang and Suqian, that is, mutual recognition of deposit and mutual loan of loans.

The 7 city registered residence workers in Xuzhou City purchase housing, in accordance with the implementation of Xuzhou City provident fund loan policy, cancel the restriction of the household registration of the provident fund loans, workers only need to pay the housing provident fund in full 6 months (or more) in the original city, and the original certificate of payment for the housing provident fund of different places loan is issued by the former urban provident fund center. The details of individual account deposit of housing provident fund (more than 6 months (inclusive)) can apply for a loan to Xuzhou housing provident fund center. Employees who meet the conditions for applying for housing provident fund loans can apply for housing provident fund portfolio loans if they have not used housing provident fund loans before and meet the relevant conditions.

3. Simplify relevant procedures

Huzhou stipulates that the borrower will no longer need the income certificate to declare the discount. After printing the application form, take the relevant materials and run once.

Nanning proposed that employees no longer need to fill in the housing provident fund withdrawal application form when handling the housing provident fund withdrawal business.

Shenzhen makes it clear that the "certificate of termination of labor relations with the unit" and "unemployment certificate" will be cancelled, and the unemployment certificate data of employees will be directly queried and verified through platforms such as government information sharing; the "certificate of permanent residence" will be cancelled, and employees who settle abroad or in Hong Kong, Macao and Taiwan can submit household cancellation certificate, home return certificate or Taiwan compatriot certificate.

4 groups welcome good news

Some cities have adjusted the relevant provisions of different types of applicants.

Chengdu makes it clear that when applying for provident fund loans, for employees who have paid provident fund in other places and less than 6 months in the current deposit place, if the continuous deposit time is not interrupted, the deposit time, deposit time coefficient and deposit balance are calculated according to the deposit related data issued by the original deposit center and the current deposit center; the spouse has exceeded the legal retirement age, and the husband and wife are two When applying for provident fund loan for house purchase, the loan applicant shall meet all loan application conditions. If his spouse has exceeded the legal retirement age but has not reached the age of 65, he can jointly apply for provident fund loan. The spouse's pension and pension are not included in the calculation of monthly income.

Yichang mentioned that if graduates of colleges and technical secondary schools or above settled in Yichang within five years after graduation buy their first self occupied housing and apply for provident fund loans, the calculation of the amount is not limited by the account balance and deposit time coefficient.

According to the new policy, the maximum amount of loans that can be directly enjoyed by families with two qualified college and technical secondary school graduates in Yichang who normally deposit the provident fund is 500000 yuan; the maximum amount of loans that can be directly enjoyed by families with single employees who normally deposit the provident fund is 400000 yuan.

Shenzhen stipulates that employees belonging to the basic security object can withdraw the actual housing rent expenditure every month, which shall not exceed the balance of the employee's housing provident fund account. They can choose to withdraw the provident fund according to the actual rent every month, or withdraw the reserve fund according to no more than 65% of the amount payable in the current month.