Purchase the first ordinary house according to the regulations, and the minimum down payment ratio will be adjusted from 30% to 20%.

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Notice of Hengshui Municipality on Strengthening and Improving Service and Adjusting Housing Provident Fund Policy

District, Binhu New District Management Committee, municipal and resident units:

In order to implement the spirit of the national and provincial conference on strengthening the management of housing provident fund and improving the efficiency of the use of provident fund, combined with the actual situation of our city, with the consent of the Municipal Housing Provident Fund Management Committee, the housing provident fund policy of our city is now adjusted.

The first is to increase the maximum loan amount of housing provident fund. Increase the maximum amount of housing provident fund personal housing loans from 400,000 yuan to 600,000 yuan.

The second is to buy the first set of ordinary housing, and the minimum down payment ratio is adjusted from 30% to 20%.

3. Workers' families who own 1 apartment and have settled the corresponding housing loan, in order to improve their living conditions, apply for housing provident fund entrusted loan to buy ordinary self-occupied housing again, with the minimum down payment ratio of 30%.

Four, to carry out the housing reserve commercial loan portfolio loan business and "business to public" personal housing loan business.

Deposit the employee's gold loan business and the balance of housing provident fund to offset the loan repayment business.

Six, * * unmarried cohabiting children can withdraw the balance of their parents' housing provident fund account when they buy ordinary self-occupied housing.

Seven, since 20 15, a set of ordinary self-occupied housing property fees will be paid to employees, and will be withdrawn once a year. According to the actual calculation in our city, the maximum withdrawal amount of husband and wife is10.5 million yuan per year in Hengshui city, and10.5 million yuan per year in other counties and cities.

Eight, identified by the relevant departments of urban residents, poor workers, the use of housing provident fund loans to buy the first family occupied housing, and the construction area is equal to or less than 90 square meters, can apply for a certain percentage of loans, each year by the Shangcai municipal government housing provident fund management department for approval.

Nine, actively promote the "Internet housing provident fund" business, gold business online processing, mobile phone application software, WeChat and other service platforms. Further simplify business processes, optimize service processes, shorten processing time and improve work efficiency.

X. Actively coordinate Ministry of Human Resources and Social Security to include the housing provident fund deposit in the labor contract, so that employees can understand the housing provident fund system as soon as they get employed, so that more migrant workers can enjoy this policy of benefiting the people and better promote the new urbanization process in our province.

Eleven, as soon as possible to establish information sharing mechanism with relevant departments, improve the management ability and service level of housing provident fund. Before the end of June 20 15, the housing provident fund business management system will be connected with the personal credit information system of the People's Bank of China and the property right information system of the real estate management department. Before the end of June 10, it will be connected with the citizen identity information identification system of the public security department and the marriage registration inquiry system of the civil affairs department. The paid employees can handle housing provident fund withdrawal, loans and other businesses without providing personal credit, property rights, marital status and other related information, which shortens the business processing time, improves work efficiency and reduces social costs.

Twelve, this notice shall be implemented as of the date of issuance.

Hengshui housing fund management Committee

201May 5 15

Second, how to handle government discount loans

This is what people often say. It is a special preferential policy for laid-off workers. I think you must meet three basic conditions before you can apply. According to the policies issued by Wuhan, firstly, there should be a "Re-employment Concession Card" and a new "Employment Unemployment Card for Urban Workers"; Second, you must apply for a business license before you can get a loan; Third, there must be security. There are generally two ways to guarantee: one is credit guarantee, that is, to find on-the-job civil servants and staff of administrative institutions with financial allocations as guarantees. Second, real estate mortgage guarantee. Meet the above three conditions, and the rest will be easy. The loan amount varies from place to place. You can go to the local labor and social security department to find out.

3. Where can I apply for loan discount for the first loan?

Apply for the first loan discount here. 1, apply voluntarily. Eligible applicants submit written applications (some of which can be directly submitted to local human resources and social security departments or guarantee institutions) to the grassroots employment platform where their household registration is located or where they operate, and submit relevant materials, certificates or related certificates.

2. Review and recommend. The human resources and social security departments conduct qualification examination, and those who pass the examination are recommended to guarantee institutions. A guarantee institution refers to a guarantee institution entrusted to operate a guarantee fund in accordance with relevant regulations.

3. Promise. The guarantee institution shall review the applicant's projects in accordance with the relevant provisions, and handle the guarantee procedures for those who meet the conditions.

Fourth, how to handle discount loans How to handle discount loans

1. Eligible applicants shall definitely apply in writing to the grassroots employment service platform in their domicile or city, and submit relevant materials, valid certificates or relevant certificates;

2. The Human Resources Bureau conducts qualification examination on social security units, and after verification, it can recommend them to guarantee institutions;

3. The loan guarantee institution shall check the new project according to the relevant requirements of the applicant, and handle the loan guarantee procedures for qualified applications;

4. The loan applicant who promises the loan guarantee for the service of the loan guarantee institution shall sign the contract and issue the loan according to the relevant laws and regulations.

The above is how to apply for discount loans.

Brief introduction of financial discount loan

In the requirements of state loans, financial discount loans refer to the implementation of loan interest subsidies for loans in a certain field applicable to the state. If an enterprise meets the relevant regulations of Chinese government departments and other relevant departments, it can apply for financial discount loans from government departments. Generally speaking, from the start of a new project to its operation, the company shall report the operation status of enterprise engineering projects to the relevant persons in charge of People's Republic of China (PRC) and the Ministry of Commerce at any time. From the date of obtaining the loan, the lender shall pay the loan interest on time according to the requirements of the loan contract. After paying the interest on time, the municipal employment service agencies will give discount loans after checking the repayment situation and personal credit records. This article is mainly about how to apply for discount loans, and the content is for reference only.