A few days ago, the city housing provident fund management center launched the first live broadcast activity with the theme of "Good place, good provident fund in action", which attracted more than 1 10000 employees to watch online, more than 1000 likes and more than 2000 interactive messages from netizens.

In view of the hot issues such as loans and withdrawals put forward by employees online, and around a series of provident fund policies issued by our city in the past, the Municipal Housing Provident Fund Management Center gave detailed answers.

■ Loan

1. The first suite did not use the provident fund loan. Do you enjoy the interest rate for the first home loan when you buy a second home?

Answer:No. When buying a second house, the interest rate of the first house provident fund loan will rise 10% whether it is the first time or the second time. The provident fund cannot be used to buy a third (or above) house or use the provident fund loan for the third time.

In addition, employees' families (including borrowers, spouses and minor children) who have no housing and buy self-occupied housing enjoy the interest rate of the first housing provident fund loan (2.75% for five years and 3.25% for more than five years). If one of the spouses has a loan record, the cumulative number of loans shall be calculated.

2. If there are outstanding provident fund loans, can I use the provident fund to repay the housing commercial loans first?

Answer: No, if the provident fund loan is not settled, even if there is a balance in the provident fund account, it should be used to repay the provident fund loan first. After the provident fund loan is settled, the balance of the provident fund account can be used to repay the housing commercial loan.

It should be noted that in the case that employees have outstanding provident fund loans, they may not handle any other withdrawal business except repayment of provident fund loans. The relevant staff of the Municipal Housing Provident Fund Management Center suggested that if there is a large balance in the provident fund account, you can apply online for partial repayment of the provident fund loan business. Online processing flow: my account → business processing → I want to withdraw → partially repay the provident fund loan.

■ extraction

1. Can children withdraw their parents' provident fund when buying a house?

A: It depends. It depends on whether one of the parents is one of the owners of this house. If yes, it can be extracted; If it is not, it cannot be extracted. The staff added, "If there is the name of either parent on the house purchase contract or property certificate, you can withdraw the parents' provident fund. The withdrawal amount is calculated and withdrawn according to the proportion of property rights division. "

2. When can I withdraw the provident fund and repay the commercial housing loan?

A: It depends on time. If the repayment is started in June 5438 +20201October, the repayment amount of commercial housing loan in June 65438 +20261October+65438+June 30, 2020 can be withdrawn. If the repayment starts in June of 2002 1 year, the system cannot extract the repayment records of housing business loans in June of 20021year until June of 20265438.

It is suggested to apply for withdrawal of housing before applying for withdrawal of provident fund to repay housing commercial loans. After the commercial loan is put down, there won't be much balance in the account.

■ Others

1. Why is the provident fund of the current month paid next month?

A: New employees will start to pay the provident fund the next month. Under normal circumstances, the provident fund is remitted within 5 days after the payday, and there may be cases where the provident fund in March is credited to April.

2. How to transfer money from different places online?

A: Enter the official WeChat account "Yangzhou Housing Provident Fund"-my account-business handling-application for transfer of provident fund in different places (note: the transfer information must be accurate). Off-site refers to the place where the provident fund is paid, outside Yangzhou city (including Gaoyou, Baoying, Yizheng and Yihua).