1. What is the provident fund loan policy of Baotou City in 2023?
Under the premise of ensuring that employees can withdraw the housing provident fund, employees can give priority to loans for purchasing their first self-occupied houses. need. So, what are the new changes in Baotou City’s provident fund loan policy? There have been some changes in both provident fund loans and withdrawals. New Loan Deals (1) Expand the scope of housing provident fund withdrawals and loan applicants. The scope for employees to apply for housing provident fund withdrawals and loans will be expanded from families with the same household registration to all family members including themselves, their spouses, their parents, and their children. (2) Extend the validity period for provident fund withdrawal and loan application for house purchase. When employees apply for housing provident fund withdrawals and loans, the validity period of the "Commercial Housing Sales Contract" is extended from one year to three years for multi-story residential buildings and four years for high-rise residential buildings; the validity period of the "House Ownership Certificate" is extended from one year to two years. The validity period for converting commercial loans into housing provident fund loans and withdrawing housing provident funds after paying off commercial housing loans has been extended from one year to two years. (3) Relax the application conditions for housing provident fund loans. The housing provident fund loan applied by employees has been adjusted from 12 consecutive months of full payment to 6 months. If the housing provident fund is paid and deposited in another place, the housing provident fund has been continuously paid and deposited in our city for less than 6 months and has been transferred to our city for payment and deposit, Times can be combined. (4) Increase the maximum amount of housing provident fund loans. The maximum amount of housing provident fund personal housing loans will be increased from 600,000 yuan to 800,000 yuan, and the loan period will be extended to five years after the employee retires, up to 30 years. (5) Launch housing provident fund off-site loan business. Employees or spouses whose household registration is in our city, who are employed in other cities and pay housing provident funds, and who purchase a self-occupied house in our city can apply for a housing provident fund loan. (6) Relax the criteria for determining repayment ability. Increase the borrower's repayment ability coefficient from 40 to 60 based on the borrower's family wage income. (7) Increase the housing provident fund loan limit. The decoration of houses purchased by employees and the purchase of underground parking spaces with property rights in the same community will be included in the assessment of housing provident fund loan quotas. New policies for withdrawing housing provident funds (1) Expand the scope of applicants for withdrawing housing provident funds. The scope for employees to apply for housing provident fund withdrawals will be expanded from families with the same household registration to all family members including themselves, their spouses, their parents, and their children. (2) Extend the validity period for housing provident fund withdrawal when applying for home purchase. When employees apply for housing provident fund withdrawal, the validity period of the "Commercial Housing Sales Contract" is extended from one year to three years for multi-story residential buildings and four years for high-rise residential buildings; the validity period of the "House Ownership Certificate" is extended from one year to two years. The validity period for converting commercial loans into housing provident fund loans and for repaying commercial housing loans to withdraw housing provident funds has been extended from one year to two years. (3) Carry out annual hedging and loan repayment business. Employees who have not repaid their housing provident fund loans can withdraw their housing provident fund once a year to repay the principal and interest of the loan for the current year. (4) Carry out the business of renting houses for employees. If an employee has paid and deposited the housing provident fund in full for three consecutive months, and if he, his spouse and minor children (under 18 years old) with the same household registration do not own their own houses in our city and rent a house, they can withdraw their and their spouse's housing provident funds once a year. Pay house rent. (5) Carry out provident fund withdrawal business for serious illness. Employees who do not have a housing provident fund loan can apply to withdraw housing if they provide a diagnosis certificate for themselves or their family members, and if they fall within the scope of serious illnesses specified by the autonomous region or if their out-of-pocket hospitalization medical expenses incurred in the year exceed 20,000 yuan (including 20,000 yuan). Provident Fund. Tip: The changes in Baotou City's provident fund loan policy mainly focus on loans and provident fund withdrawals. The limited period of provident fund loans has been extended, and the maximum loan amount has been increased accordingly. Businesses such as housing provident fund off-site loans have also been launched.
2. Provident Fund Loan Policy for Second Houses in Baotou
The name Baotou is very funny. I have experienced it before, and I didn’t know your government was like that;
You can apply for a provident fund loan as long as you meet the following conditions: (1) Only employees are eligible to apply for a housing provident fund loan. Employees who have not participated in the housing provident fund system cannot apply for a housing provident fund loan.
(2) Those who participate in the housing provident fund system must also meet the following conditions to apply for a housing provident fund personal home purchase loan: that is, they must have continuously paid and deposited the housing provident fund for no less than six months before applying for a loan. (3) One spouse applied for a housing provident fund loan, but failed to obtain another housing provident fund loan. (4) When applying for a housing provident fund loan, the loan applicant must have a relatively stable ability to repay the loan and have no other debts that have not yet been paid off that affect the repayment ability of the housing provident fund loan. (5) Housing provident fund loan application requires 20% or more of self-raised funds (regulations vary from place to place) (6) Housing provident fund loan applicants should agree to apply for loan guarantee. Your situation should meet the conditions of the loan. In fact, you can consult the Gold Management Center, that is the most correct approach.
3. New regulations on Baotou’s medical insurance?
Urban and Rural Residents Medical Insurance Payment Period
The centralized payment period for urban and rural residents’ medical insurance in Baotou City in 2023 is from September 26, 2022 to April 25, 2023. No registration will be processed after the deadline. Insurance payment procedures.
2. Resident payment standards in 2023
The individual payment standard for urban and rural residents (including former urban residents, farmers and herdsmen), students in schools, preschool children, and newborns is unified to 380 Yuan; the individual payment standard for non-local residents with a residence permit in this city is 380 yuan;
The payment for extremely poor dependents, orphans, de facto unsupported children, and old party members before the founding of the People's Republic of China who did not participate in employee medical insurance is full Subsidy to participate in insurance;
The individual payment standard for urban and rural subsistence allowance recipients, households with unstable poverty alleviation, households at risk of poverty, and households with sudden severe difficulties included in the monitoring of rural low-income populations is 114 yuan;
The individual payment standard for those who have been lifted out of poverty and are subject to the "four non-exclusion" requirements and those with severe disabilities who are not within the scope of medical assistance funding is 190 yuan.
3. Urban and rural residents’ medical insurance benefits enjoyment period
Urban and rural residents, preschool children, and newborns who participate in insurance and pay premiums during the centralized payment period will enjoy benefits from January 1, 2023 Date - December 31, 2023;
If current students participate in the insurance and pay during the centralized payment period, they will enjoy the benefits from September 1, 2022 to December 31, 2023.
IV. Baotou City Housing Provident Fund Bank’s policy of 20 down payment standard
If the area is less than 90 square meters, you can pay 20 down