Viewpoint The new media learned that after the expiration of this policy, the holdover unit needs to resume normal deposit and pay back in time. If it is difficult to pay in one lump sum, you can apply for payment in batches; Units that reduce the deposit ratio need to restore the normal ratio in time, and units that pay less due to the decrease in the deposit ratio do not need to pay back. During the holdover period, the deposit time is calculated continuously, which does not affect the normal application and withdrawal of loans by employees.
In the housing provident fund withdrawal business, the first is to extend the withdrawal time limit. If it meets the relevant conditions and the epidemic control exceeds the prescribed exit time limit, it may be postponed until September 30, 2022; The other is to relax the extraction time limit. Lease withdrawal in 2022 is not limited by 12 months, and the quota in 2022 can be withdrawn in advance.
In the housing provident fund loan business, the first is to relax the time requirement for loan application. The requirement for employees to apply for housing provident fund personal housing loans and pay housing provident fund in full is relaxed from 12 months (inclusive) to 6 months (inclusive); The second is to reduce the down payment ratio of loans. When employees apply for housing provident fund personal housing loans for the first time, the minimum down payment ratio shall not be less than 20%; For the second application, the down payment ratio shall not be less than 30%. The term shall not exceed 65438+February 3, 20221; The third is to reduce the deposit retention ratio of existing loans. If the real estate development project in Changchun deposits the loan deposit in our center, it will be deposited at 1% of the unrealized (unsecured) loan amount.
The above policy adjustments include relaxing the time requirement for applying for loan deposit, canceling the second loan interval limit, reducing the down payment ratio of loans, implementing the preferential loan interest rate policy and continuously developing the portfolio loan business, so that more employees can enjoy the preferential housing provident fund policy and realize their desire to live in peace.
It is also known that the center has stopped collecting housing provident fund loan deposits since June 5438+ 10, 2020, and new cooperation projects will no longer be collected. This time, we will continue to introduce preferential policies to reduce the retention ratio of stock deposits of real estate development enterprises.