Recently, Shaoxing issued ten measures of housing provident fund "benefiting people's livelihood and promoting wealth", focusing on better meeting the rigid and improved housing needs of employees, mainly involving five aspects: raising the amount of provident fund loans, raising the lease extraction standard, supporting the first set of first-time housing provident fund loans for newly employed college students, supporting the provident fund loans for two-child and three-child families and optimizing the online and offline services of provident fund. The details are as follows:
1. Raise the maximum amount of housing provident fund loans
1. Raise the maximum amount of single-employee family loans from 6, yuan to 7, yuan in District III and Zhuji City, and raise the maximum amount of dual-employee family loans from 8, yuan to 1 million yuan;
2. The maximum amount of loans for single-employee families in Shengzhou City and Xinchang County was raised from 35, yuan to 5, yuan, and the maximum amount of loans for dual-employee families was raised from 6, yuan to 8, yuan.
II. Raise the guaranteed amount of housing provident fund loans
The guaranteed amount of housing provident fund loans in the whole city is adjusted from no less than 25, yuan in the three districts, and no less than 2, yuan in Zhuji City, Shengzhou City and Xinchang County to no less than 3, yuan.
III. Supporting newly-employed college students
The first set of first-time housing provident fund loans
Graduates with junior college education or above have settled down or taken up employment in our city within three years after graduation, and purchased self-occupied housing in the whole city. If they meet the conditions of housing provident fund loans, the first set of first-time housing provident fund loans will be supported by a 2% increase in the amount.
iv. improving the housing provident fund support policy for families with two children and three children
if families with two children and three children meet the housing provident fund loan conditions, the loanable amount is allowed to rise by 2% and 3% respectively, but it shall not exceed 12% of the maximum amount.
V. Raise the standard for employees to lease and withdraw housing provident fund
The amount for employees to withdraw housing provident fund from rented self-occupied housing is raised from 1 yuan/month/person standard to no more than 1,5 yuan/month/person standard, and the withdrawal time can be flexibly selected on the principle of once a year.
VI. Supporting housing provident fund loans for self-built houses in rural areas
If the paid employees meet the conditions for housing provident fund loans, they can apply for loans for self-built houses in rural areas within the city limits with legal examination and approval procedures, but they need third-party guarantees or other commercial houses as collateral.
VII. Support the mortgage transfer of housing provident fund loans
Actively explore the new mode of mortgage transfer of second-hand housing transactions, strengthen the coordination of departments, promote the mortgage transfer of housing provident fund loans for second-hand housing transactions in an orderly manner, and effectively reduce institutional transaction costs.
VIII. Optimizing the business rules of monthly hedging repayment
Deposited employees (principal lenders) have handled the monthly hedging repayment business, and if their spouses (or * * * borrowers) are unable to handle the hedging repayment business because they are not in the same district, county (city), they are allowed to withdraw the actual repayment amount after deducting the hedging amount from the window counter on an annual basis.
IX. Optimize the distribution of provident fund service outlets
Focus on the construction of high-level network cities, and combine the construction of important districts and nodes to add a number of housing provident fund convenience service points in Paojiang and other places to facilitate the workers and staff to handle them nearby.
1. Accelerate the digital reform of provident fund business
Focus on key minor issues, focus on "one thing at a time", continue to promote digital reform, strengthen the enjoyment of data, further expand the scope of online business, optimize the processing process, reduce application materials, and continuously improve the service level of online and handheld services.
this policy will be implemented as of January 1, 223, and the supporting policies related to the floating loan amount will not be overlapped.
content source | Shaoxing housing accumulation fund