During the year, multi-site provident funds recognized each other and lent each other.
The reporter from Zhongxin Jingwei found that many provident funds recognized and lent each other during the year. Among them, 20 cities in the middle reaches of the Yangtze River will recognize and lend each other, housing accumulation funds in the Yangtze River Delta will be exchanged, housing accumulation funds in Chengdu and Panzhihua will recognize and lend each other, and Sichuan and Chongqing will promote mutual recognition and loan of accumulation funds.
On September 25th, Wuhan, Changsha, Hefei, Nanchang, Huangshi, Yueyang, Jiujiang, Huanggang, Zhuzhou, Fuzhou, Xianning, Xiangtan and Yichun, as well as 20 cities including Yichang, Jingzhou, Xiaogan, Ezhou, Tianmen, Xiantao and Qianjiang * * * * signed contracts for housing in the middle reaches of the Yangtze River. Constantly improve the risk prevention mechanism of housing provident fund personal loans in different places; Explore the establishment of housing provident fund information verification mechanism; Continue to deepen the transfer of housing provident fund in different places; Strengthen the cooperation in disaster preparedness of housing provident fund information system in different places, and promote the establishment of an exchange training mechanism for housing provident fund practitioners.
On August 20th, the Housing and Construction Departments of Shanghai, Zhejiang, Jiangsu and Anhui provinces signed the Framework Agreement on Strategic Cooperation of Housing Provident Fund Integration in the Yangtze River Delta, and the provident fund management departments of the three provinces and one city will take the lead in cooperation from nine aspects, such as cross-regional housing purchase information survey in the Yangtze River Delta, mutual recognition of loan certification information in different places in the Yangtze River Delta, and unified business policies for housing purchase in the Yangtze River Delta eco-green integration development demonstration zone.
In September this year, the Chengdu Municipal Government and the Panzhihua Municipal Government negotiated and signed a supplementary agreement to the Agreement on Deepening Regional Cooperation and Promoting the Open Development of South China, forming a consensus on mutual recognition and mutual loan of housing provident funds. The maximum loan amount of Chengdu housing provident fund is 700,000 yuan, and that of Panzhihua housing provident fund is 600,000 yuan.
In April this year, according to the memorandum of cooperation signed by the housing and construction departments of Sichuan and Chongqing, the two sides will promote the establishment of seven mechanisms such as mutual recognition and mutual loan of provident funds in the two places, promote the integrated development of provident funds in the two places, and cooperate in four aspects such as administrative law enforcement linkage to promote the formation of a judicial linkage mechanism for law enforcement in the field of housing provident funds in the two places.
Chen Xiao, an analyst at Zhuge Housing Search Data Research Center, pointed out in an interview with Zhongxin Jingwei client that mutual recognition and mutual loan of multi-site provident funds is of great significance to the coordinated development of cities in urban agglomerations, which is conducive to the flow of talents between cities, facilitating the people and promoting regional integration.
Yan Yuejin, research director of the think tank center of Yiju Research Institute, told the client of Zhongxin Jingwei that the policy of mutual recognition and mutual loan can greatly promote the convenience of using the subsequent provident fund. For the real estate market, the networking and integration of provident fund system will help to form a better development model and further invigorate housing transactions.
Yan Yuejin added that mutual recognition of provident funds and loans have little to do with the purchase policy and cannot be directly understood as policy relaxation. It should be understood that the provident fund system is more perfect and has the orientation of being close to the people and convenient for the people. At the same time, we should be alert to the phenomenon of using such policies to extract provident fund in disguised form to real estate speculation in popular cities.
3 cities accept loans and withdrawals from different places.
During the year, Xi 'an, Zaozhuang and Harbin issued documents announcing the acceptance of the loan withdrawal business of provident fund in different places.
On September 24th, Xi 'an issued a document stipulating that from September 25th, employees who buy houses and repay loans outside Xi 'an (including Xixian New Area) can apply for provident fund withdrawal.
On September 3, Zaozhuang resumed the loan of provident fund in different places. The notice pointed out that those who work in different places and pay the provident fund can return to the local housing loan. The applicant submits a loan application to the center with the local house purchase contract, payment receipt or invoice, the certificate of deposit of loan from different places issued by the provident fund center where the deposit is made, and the details of normal deposit for more than 6 months (inclusive).
Harbin stipulated in July that from July 1 day, employees who have paid provident fund in other places (including Harbin Provident Fund Industry Sub-center) can apply for provident fund loans in Harbin. In order to improve the service efficiency, it is decided to accept the loan business of provident fund in different places in Haxi and Liqun service halls from July 15, 2020.
Four local provident fund loan policies were tightened.
Zhongxin Jingwei reporter noted that since 2020, at least four places have tightened the provident fund loan policy by reducing the amount of provident fund loans, improving the conditions for applying for the purchase of second-hand houses in other cities, and stopping issuing them to buyers of third suites and above.
On September 23rd, Dongguan Housing Provident Fund Management Center issued the Notice on Adjusting the Provisions on Loans and Withdrawals of Some Housing Provident Funds, pointing out that the maximum loan amount should be adjusted. The maximum loan amount for the first suite is adjusted from 6,543,800 yuan+0.2 million yuan to 900,000 yuan; The maximum loan amount for the second suite is adjusted from 800,000 yuan to 500,000 yuan. At the same time, increase the conditions for applying for withdrawal of second-hand houses in other cities, and purchase second-hand houses in other cities for 6 months before applying for withdrawal.
On August 7th, Hefei issued the Notice on Perfecting the Housing Provident Fund Loan Policy in our city, clarifying the number of family loans after the change of marital status. The number of pre-marital provident fund loans is combined with the number of post-marital family loans, and the number of family provident fund loans during the marriage relationship is recorded in the number of loans of one party after the marriage relationship ends.
On August 3, Fuyang Housing Provident Fund Management Center issued the Notice on Implementing the Housing Provident Fund Loan Policy of the Ministry of Housing and Urban-Rural Development and other national ministries and commissions. From August 10, the housing provident fund loans will be stopped for the buyers who buy the third or above houses. For the second application for provident fund loan, the down payment ratio shall not be less than 50%, and the loan interest rate shall not be less than 1. 1 times of the first provident fund loan interest rate in the same period.
On July 14, the Housing Fund Management Center of Inner Mongolia Autonomous Region issued the Notice on Adjusting Policies Related to Housing Provident Fund Loans. /kloc-since August, 2000, the housing provident fund loan policy has been tightened, and the policy that family members of borrowers can use provident fund loans when buying houses with the same household registration has been cancelled, and individual housing loans from housing provident fund have been stopped.
Zhang Dawei, chief analyst of Zhongyuan Real Estate, believes that the core problem of tightening loan quotas in some cities is the shortage of provident fund capital.
Chen Xiao analyzed that the adjustment of the provident fund policies in the above four places is to promote the healthy and stable development of the provident fund market. After the epidemic, the property market in some cities continued to be hot. The tightening of provident fund policy is also to crack down on real estate speculation and maintain the order of provident fund withdrawal, which is of great significance to maintaining the stability of the property market.
6 cities increase the withdrawal limit of provident fund rental housing
According to incomplete statistics, during the year, six cities including Shenzhen, Dongguan, Shenyang, Jinan, Weifang and Baotou encouraged housing rental consumption and raised the withdrawal limit of provident fund rental.
On July 2, Shenzhen issued a document to increase the withdrawal amount of provident fund rental to 80% in stages. In order to reduce the pressure on employees who paid rent during the epidemic period, the proportion of rent withdrawal will be increased by stages from July 1 day to February 3 1 day in 2020. If employees withdraw housing provident fund to pay rent, the monthly withdrawal amount from July to June 2020, 65438+February, will be increased from 65% to 80% of the amount payable in the month of application.
Weifang stipulates that from June 15, tenants and their spouses who meet the conditions for renting self-occupied housing to withdraw housing provident fund can independently determine the withdrawal method according to their actual situation. According to the fixed withdrawal amount, the total withdrawal amount of employees and their spouses is increased from 8000 yuan per year to 12000 yuan per year.
On May 7th, the People's Government of official website and Dongguan issued the "Implementation Opinions of Dongguan Municipality on Accelerating the Cultivation and Development of Housing Leasing Market", in which it was mentioned that the upper limit of the ratio of rent withdrawal provident fund was raised to 70%, and the upper limit of the amount was raised to 1.800 yuan/month.
On March 25th, the website of Shenyang Housing Provident Fund issued the Notice on Adjusting the Partial Withdrawal Policy of Housing Provident Fund. The notice made it clear that from April, Shenyang will increase the withdrawal limit of rental housing. Among them, if the house is located in the urban area of Shenyang, the limit will be increased from 1.200 yuan/month to 1.400 yuan/month; If the house is located in four counties (autonomous regions and municipalities), the quota will be increased from 800 yuan/month to 950 yuan/month.
On March 27th, Jinan Housing Provident Fund Center announced that from April 1 day, leased commercial housing can be withdrawn once a year, and the interval between two withdrawals should not be less than 12 months. The withdrawal amount of employees' individual leased commercial housing is raised again, from 9600 yuan to 12000 yuan, and the upper limit of the withdrawal amount of leased commercial housing remains unchanged at 36000 yuan.
In March of this year, the rent extraction standard of Baotou City rose by 10% on the current basis, that is, the upper limit of urban single workers' extraction was 1.29 million yuan/year, and the upper limit of employees' family extraction was 1.78 million yuan/year; The maximum withdrawal limit for individual employees in Qixian District is 10300 yuan/year, and the maximum withdrawal limit for employees' families is 14300 yuan/year. The rental extraction time can be adjusted from once a year to once a quarter, and the annual extraction standard does not exceed the upper limit of the year.
Chen Xiao believes that encouraging housing rental consumption and raising the housing withdrawal limit of the provident fund will relax the provident fund policy to a certain extent, make the quota more abundant, promote employees to use the provident fund and encourage housing rental consumption, which is of positive significance to the implementation of the policy of both renting and selling.
1 1 cities can use the provident fund to install elevators.
According to statistics, Shanghai, Zhengzhou, Jinan, Qingdao, Wuxi, Dezhou, Changzhi, Xiangyang, Nanchong, Taizhou, Zhoushan and other cities have announced the installation of elevator provident fund.
10 years 10 8 days, existing houses in Texas can be withdrawn by installing elevators. From 1 1, Wuxi can use the provident fund to install elevators. Jinan 20211added elevator voting rules and adjusted them to "double two-thirds" for owners to vote. After the written consent of the "two-quarters" owners who participated in the voting, they can go through the formalities of construction application and planning review. After the implementation, the owner who installed the elevator can withdraw the housing accumulation fund of both husband and wife.
In addition, since February 1 year, the existing multi-storey residential buildings in Shanghai and Nanchong can use the provident fund by installing elevators. From June 28th, Changzhi installed elevators to withdraw housing accumulation fund, and the elevators were withdrawn within one year after being registered by the special equipment safety supervision and management department. From July 1, the public accumulation fund can be used to install elevators in old residential areas in Zhengzhou.
Chen Xiao pointed out that the installation of elevators can withdraw and use the provident fund, which reflects the requirements of improving people's livelihood. Using the provident fund to install elevators can reduce the economic burden of residents to a certain extent and play a positive role in improving the living environment of residents. (Zhongxin Jingwei APP)