Legal analysis: if you live in Sichuan for a long time, the loan conditions of housing provident fund in Sichuan Province are roughly as follows:
1. Have permanent residence in this city or other valid residence status;
2 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan;
3 units and individuals can pay the housing provident fund in full and on time;
If you buy a house, you must have a house that meets the legal requirements.
Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
(six) the rent exceeds the prescribed proportion of family wage income.
In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.
If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.
2. What are the latest regulations for the adjustment of Sichuan provident fund?
0 1
Increase the amount of rent withdrawal
In order to further protect the financial pressure of depositors to pay rent, the withdrawal amount of housing provident fund has been increased for both the rental housing that has been filed and the rental housing that has not been filed.
02
Improve policy accuracy
According to the reality of Chengdu's housing rental market, rental housing can be divided into market rental housing and policy rental housing. Among them, for market-oriented rental housing, increase the amount of housing provident fund withdrawal; For the extraction of policy rental housing, it is clearly extracted according to the actual rental expenditure.
03
Adjust the corresponding mode of the region.
Combined with the new situation of urban spatial structure adjustment in Chengdu, the original rent withdrawal quota based on the circle level is adjusted to one quota for the central city and the new city, and another quota for the suburban new city.
03
How does the depositor withdraw the rental housing provident fund?
0 1
In frequency
In order to better meet the needs of renters in different rent payment methods and further clarify the frequency of renters' rent withdrawal business, depositors can freely choose to handle monthly or quarterly business within a natural year.
02
On the channel
Online channel: if the lease contract is not registered, it can be handled online through Chengdu Provident Fund App, Tianfu Citizen Cloud and other channels;
Offline channel: If the lease contract has been registered and put on record, but not, you can apply to the service outlets of Chengdu Provident Fund Center (including provincial sub-centers and petroleum sub-centers) to withdraw the rental housing provident fund with your valid identity documents, proof of marriage relationship and other materials.
3. What are the policy provisions and handling conditions for Chengdu provident fund loans?
The policy stipulates that the conditions of the Regulations on the Management of Housing Provident Fund are: (1) a natural person who has full capacity for civil conduct and has not reached the statutory retirement age; (2) Having a fixed residence or a valid proof of residence; (three) in the provident fund center for 6 consecutive months (inclusive) above the normal deposit of housing provident fund; (four) did not withdraw the provident fund to pay the down payment of the purchased house; (five) no housing provident fund loan balance; (six) a stable economic income, good credit, and the corresponding loan repayment ability; (seven) limit families to buy the first set of ordinary housing or the second set of ordinary housing to improve living conditions; (eight) the cumulative number of provident fund loans shall not exceed two times.
4. What is the current Sichuan provident fund loan policy? How much is the down payment for the second suite? Are the policies of Sichuan Province and Chengdu Provident Fund Management Center the same?
At present, the down payment of the second suite of Sichuan Provident Fund is 60%, which is implemented according to the policy of the Sichuan Provincial Construction Department.
The full name of Sichuan Provident Fund Center is the provincial sub-center and subordinate unit of Chengdu Housing Provident Fund Center Management Center (it has not been formally merged and listed yet). The policies implemented are the same.
Of course, loans can be combined, but the maximum amount is 300 thousand.