The new policy of Foshan 2022 provident fund loan is as follows:

1. If a household registered in this city owns two or more houses in this city, the sales of new commercial houses in the above areas will be suspended.

2. Non-local households without housing can purchase 1 set of new commercial housing in the above areas.

3. Non-resident families who own 1 apartment in this city must provide personal income tax payment certificates or social insurance payment certificates that have been paid in this city for more than 1 year within two years before the date of purchase. Foshan housing provident fund will not be recognized by paying back personal income tax or social insurance payment certificates.

4. Non-registered households in this city have two or more houses in this city, and the sales of new commercial housing in the above areas will be suspended.

Second, the new provident fund policy in 2022

The latest provisions of the 2022 provident fund are as follows: 1. Cancel the restriction on the proportion of rent expenditure to family income, and do not need to provide tax payment certificates and lease contracts for the record; 2. Relax the conditions for employees to withdraw housing provident fund to pay rent; 3. The employee has paid the housing provident fund in full for 3 consecutive months. If the employee and his spouse have no own housing in the city and rent a house, they can withdraw the housing provident fund of both husband and wife to pay the rent. 1. If one of the following conditions is met, the provident fund can be withdrawn: 1. Users should build their own houses, or renovate and overhaul their own houses; 2. The user has completely lost the ability to work, and has also terminated the labor contract with the unit, and can withdraw the number of years of the provident fund; 3. The user has reached the legal retirement age, gone through the retirement formalities, or retired early; 4. Users can withdraw the housing provident fund to repay the principal and interest of the house purchase loan; 5. The user wants to leave the country to settle down, and the current unit has terminated the labor contract; 6. If the depositor of the provident fund is declared dead or has died, the heir or donor may withdraw the provident fund. 2. The withdrawal process of provident fund is as follows: 1. The reason for withdrawing the provident fund must comply with the provisions of relevant laws and regulations; 2, according to their own situation, submit the corresponding audit data stipulated by law; 3. After making an appointment, submit the application and materials to the bank handling outlets; 4. After reviewing the materials at the outlets, the bank shall issue a written acceptance notice; 5. Bank handling outlets submit price increase materials to the provident fund center for approval; 6. After approval, the withdrawal shall be transferred to the drawer's personal account. Generally speaking, the latest provisions of the 2022 provident fund include relaxing the conditions for employees to withdraw housing provident fund to pay rent, but the withdrawal of provident fund also needs to be carried out in accordance with the procedures of submitting corresponding audit materials that meet the legal requirements and submitting applications and materials at bank outlets after making an appointment. According to Article 16 of the Law "Regulations on the Management of Housing Provident Fund", the monthly contribution of employee housing provident fund is the average monthly salary of the employee in the previous year multiplied by the contribution ratio of employee housing provident fund. The monthly deposit amount of housing provident fund paid by the unit for employees is the average monthly salary of employees in the previous year multiplied by the proportion of housing provident fund paid by the unit. Seventeenth new employees began to pay the housing provident fund from the second month of work, and the monthly deposit amount was the employee's own salary multiplied by the employee's housing provident fund deposit ratio. The newly transferred employees of the unit shall pay the housing provident fund from the date when the transferred employees pay their wages, and the monthly deposit amount shall be the employee's monthly salary multiplied by the employee's housing provident fund deposit ratio. Eighteenth employees and units housing provident fund deposit ratio shall not be less than 5% of the average monthly salary of employees in the previous year; Conditional cities can appropriately increase the deposit ratio. The specific deposit ratio shall be drawn up by the Housing Provident Fund Management Committee and submitted to the people's governments of provinces, autonomous regions and municipalities directly under the Central Government for approval after being audited by the people's governments at the corresponding levels. "Regulations on the Management of Housing Provident Fund" Article 25 The employee's withdrawal of the storage balance in the housing provident fund account shall be verified by the unit to which he belongs, and a certificate of withdrawal shall be issued. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures. Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

3. Can Guangzhou Provident Fund be loaned in Foshan?

What kind of loan do you want to apply for, provident fund mortgage or provident fund credit loan?

Fourth, the latest policy of Harbin provident fund loan 2022

The director's office of the center will consider the application conditions of housing provident fund loans for families with two children and above.

application area

1. College graduates with full-time junior college education or above within five years after graduation (the time from graduation certificate to application for provident fund loan shall not exceed five years);

1 year1families with two or more children after October 29th 10.

Relax content

(1) Within five years after full-time college graduates graduate, families with two or more children within the policy will set up individual housing provident fund accounts in our province and continuously pay public and full housing loans.

If an individual housing provident fund account is established and paid in full for more than 6 months (inclusive), the conditions that the housing provident fund account has been established 180 days and has occurred for 3 months (inclusive) must be met.

(2) As the same payer, the spouses of college graduates and families with two or more children in the policy can enjoy the same treatment as the main lender.

Application material

(a) college graduates are required to provide the original college diploma.

(2) If the policy is hukou, you need to provide a marriage certificate, the original marriage certificate provided by the hukou, and the original medical certificate of the child's birth. Single parents need to provide the original divorce certificate or divorce judgment.

Other matters and processes shall be implemented in accordance with the current housing provident fund loan policy.

1, housing provident fund personal housing loan application (collected from the center or downloaded from the provident fund website).

2. The original and photocopy of the valid repayment account, ID card or other supporting documents provided by the applicant and * * *.

3, 3, according to the provisions of the full and continuous deposit of housing provident fund for more than 6 months (with provident fund personal account and ID card to the center).

Four, four original.

5. Original and photocopy of the down payment receipt.

6. The borrower has a spouse and their household registration, and the original and photocopy of the marriage certificate.

7. Two recent 1 inch color photos of the borrower and the same borrower, with 1 six seals.

8. Current passbook opened by the borrower in the entrusted bank.

9、

legal ground

Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.