2. Adjustment and liberalization of loans in urban agglomerations in the middle reaches of the Yangtze River and in different places in Hunan Province. In the cities where the urban agglomeration in the middle reaches of the Yangtze River has signed the cooperation convention, the paid workers can apply for the off-site loan of provident fund in Changsha center, and other cities in the province can apply for the off-site loan by the provincial sub-center.
3. Houses that have been cancelled by employees' families are not included in employees' family housing units, but if they apply for provident fund loans within two years of divorce, their marital property, whether allocated to borrowers or not, will be included in employees' family housing units as long as it is not cancelled. The provident fund loan of the borrower and spouse shall not exceed 2 times (inclusive).
4. The loan period can be calculated as 5 years after the statutory retirement age, that is, the loan period is extended to 65 years for men and 60 years for women (the loan period for female technicians with senior titles and female cadres above junior level is extended to 65 years).
5. The restrictions on household registration and working place for house purchase, construction, renovation, overhaul and loan repayment in Hunan Province have been cancelled.
6. If you buy a second-hand house in a non-restricted area, you need to apply for the purchase and exit after the property rights have been transferred for one year and the property rights have not been cancelled at the time of exit.
7. 20 policies including loan conditions, minimum loan amount and loan amount calculation formula were also unified.
8. Individual industrial and commercial households, freelancers, part-time employees and other flexible employees who are employed in this Municipality can personally deposit housing provident fund and open a provident fund account in Changsha Provident Fund Center.
9. If employees' families have both provident fund loans and commercial bank loans, they can only choose provident fund loans.
10. If the employee's family meets the repayment conditions, it can sign an entrusted withdrawal agreement with Changsha Provident Fund Center or provincial sub-centers to stipulate that the repayment amount of the previous year will be withdrawn to the agreed account on a fixed date every year.
Legal basis: Notice on adjusting the relevant policies of provincial housing provident fund loans: the down payment ratio of housing provident fund loans for purchasing the first suite shall not be less than 20%. If the per capita construction area does not meet the standard of per capita construction and housing area in this city, the down payment ratio will be reduced from 50% to 40%, and the interest rate will rise 10%. It is also clear that the housing provident fund in different places in the province can be loaned in Changsha, and the time limit for applying for housing provident fund loans again is cancelled.