1. Resume provident fund loans in different places.
Hefei Housing Provident Fund Management Center issued a notice to resume the loan business of Hefei housing provident fund in different places. Eligible employees who deposit housing provident fund outside the province shall refer to the Detailed Rules for the Implementation of Hefei Housing Provident Fund Loans in Different Places in the Province (for Trial Implementation).
2. Increase the amount of provident fund loans.
Zhengzhou Housing Provident Fund Management Center has adjusted some loan policies for renting and buying houses. If the first family house is purchased and the housing provident fund loan is used for the first time, and both husband and wife meet the loan conditions, the maximum loan amount is 6,543,800 yuan. The purchaser meets the loan conditions, and the family uses the housing provident fund loan for the second time to purchase a second set of improved family housing, with a maximum loan amount of 800,000 yuan. You can apply for housing provident fund loans for more than 6 months, and the loan amount is no longer determined by the balance of the family deposit account.
If you rent public rental housing, talented apartments, affordable rental housing or other rental housing in this city, you will withdraw the housing provident fund many times during the year. The annual withdrawal amount of single deposit family is 1.8 million yuan, and the annual withdrawal amount of double deposit family is 36 thousand yuan.
3. Commercial to public loans
The Housing Provident Fund Management Center of Xianyang City, Shaanxi Province completed the first real estate registration of "commercial to public" loans. The spread between commercial loans and provident fund loans is relatively large. Carrying out the business of "changing from business to public" will effectively reduce the pressure of housing provident fund depositors to repay loans and give full play to the role of provident fund in housing security. The disposable scale of provident fund in some cities is relatively large. Revitalizing the stock of provident fund through' business to public' will help buyers reduce the pressure of repayment.
What are the requirements for provident fund loans?
1. Only employees who have participated in the housing provident fund system are eligible to apply for housing provident fund, and employees who have not participated in the housing provident fund system are not allowed to apply for provident fund loans.
2. People who participate in the housing provident fund system need to meet these conditions in order to apply for housing provident fund personal housing loans: they need to pay the housing provident fund continuously for more than 6 months before they can apply.
3. If one spouse applies for a housing provident fund loan, both spouses shall not obtain a housing provident fund loan again before paying off the principal and interest of the loan.