1. Employees who have paid the housing provident fund in full for three consecutive months and rented affordable rental housing in Tianjin can apply for withdrawal of the housing provident fund, and the monthly withdrawal amount shall not exceed the rent paid in that month, and the total amount shall not exceed 2,400 yuan.

2. If Tianjin employees apply for individual housing provident fund loans to purchase the first family home, the maximum loan amount is 800,000 yuan. If the fund utilization rate of Tianjin housing provident fund exceeds 90% for three consecutive months, the Tianjin Housing Provident Fund Management Center will report to the office of the Municipal Housing Provident Fund Management Committee and make an announcement to the public, and the maximum amount of the first set of housing loans will be reduced to 600,000 yuan from the next month 1 day; If the utilization rate of housing provident fund funds is less than 85% for three consecutive months, Tianjin Housing Provident Fund Management Center will report to the office of the Municipal Housing Provident Fund Management Committee and make an announcement to the public, and increase the maximum amount of the first set of housing loans to 800,000 yuan from the next month 1 day. The "utilization rate of housing provident fund funds" in this notice refers to the utilization rate of housing provident fund funds at the end of the month.

3. If an employee buys the first set of housing and affordable housing in Tianjin, in addition to the employee himself and his spouse, the parents of the employee and his spouse can also apply for withdrawal of housing provident fund.

Matters needing attention

1, couple loan

If both husband and wife borrow money to buy a house, whether they apply for provident fund loans before or after marriage, as long as one of them has applied for provident fund loans, the central system will have corresponding records. Before the previous loan is paid off, both husband and wife can no longer use the provident fund loan to buy a second house.

2. Second Suite

If the borrower has already used the provident fund loan when purchasing the first suite, he can't apply for the provident fund loan to buy the second house again before the provident fund loan is paid off. Only after paying off the previous housing loan can you use the provident fund loan again, and you can't use the provident fund loan to buy the third and above houses.

3. Amount of provident fund

Don't use the provident fund before applying for a loan. If the borrower withdraws the balance of the provident fund to pay the house payment before the loan, then the balance of the provident fund in the provident fund account is zero, and the amount of the provident fund loan is zero, which means that he will not apply for a provident fund loan.

4. Advance payment

According to the relevant provisions of provident fund loans, the repayment amount should be in advance after 1 year repayment, and the repayment amount should exceed the repayment amount of 6 months. Therefore, if the loan you apply for is less than one year, don't apply for prepayment, because if you apply, the bank will charge more liquidated damages.

5. Difficulties in repayment

Don't forget to find the bank around you if you have difficulty repaying the loan. When the ability to pay debts declines and it is difficult to repay loans, don't hold on by yourself. You can apply to the bank for an extension of the loan period. After investigation by the bank, the bank will accept your application for extending the loan period. However, according to the regulations, the loan term can only be changed once.

6. Lost contracts

Don't lose the loan contract and IOUs. To apply for a mortgage loan, the loan contract signed between the bank and you and the receipt are all important legal documents. As the loan period can be up to 30 years, as a borrower, you should keep the contract and the receipt properly, and read the terms of the contract carefully to understand your rights and obligations. In the process of using personal housing provident fund loans to buy a house, we must pay attention to the above matters to avoid unnecessary troubles caused by negligence and other reasons.

The latest policy of provident fund loan 2023

The new provident fund policy in 2023 is as follows:

New Deal 1: Rent invoices and tax payment certificates are not required for renting a house to withdraw the provident fund.

The new regulations point out that employees have paid the housing provident fund in full for three consecutive months. If my spouse and I don't own a house in this city and rent a house, we can withdraw the housing accumulation fund of both husband and wife to pay the rent. Before withdrawing the provident fund to pay the rent, you also need to submit the rent invoice and tax payment certificate.

New Deal 2: The down payment for the second suite of provident fund loans is reduced to 20%

For those who own 1 house and have settled the house purchase loan, they will use the housing provident fund loan to buy a house again, and the minimum down payment ratio will be reduced from 30% to 20%.

Handling process of housing provident fund loans in different places

1. The loan city provident fund center accepts the consultation of employees' loan business in different places and informs them of the materials needed for loan review at one time.

2. The employee himself or his/her client applies to Minxin for the deposit of urban provident fund, and the deposit center verifies the deposit of employee loans according to the employee's application. For the paid employees who have not used the housing provident fund personal housing loan or whose first housing provident fund personal housing loan has been settled, they shall issue certificates for the payment and use of the housing provident fund for professional employees who have borrowed from different places.

3. After accepting the employee's application for off-site loan, the loan city provident fund center shall verify the authenticity and completeness of the information in the Certificate of Deposit and Use of Housing Provident Fund for Employees with Off-site Loan to the deposit city provident fund center. After verification, the loan approval procedures shall be fulfilled within the prescribed time limit, and the results shall be fed back to the municipal provident fund digging and training branch. Deposit to the city provident fund center to identify the situation of employees' loans in different places, and establish a detailed account of employees' loans in different places.

Tianjin provident fund loan policy

Tianjin housing provident fund loan policy is as follows:

1, housing provident fund personal housing loans can only be used to pay for employees to buy, build, renovate and overhaul ordinary self-occupied housing to support basic housing needs. It is strictly forbidden to use housing provident fund personal housing loans for speculative purchase;

2 to maintain the continuity and stability of the policy of paying employees' families to use housing provident fund and personal housing loans to buy the first bucket of ordinary self-occupied housing. Use the housing provident fund personal housing loan to purchase the first set of ordinary self-occupied housing. Xing Tao construction area of less than 90 square meters, the loan down payment ratio is not less than 20%; Xing Tao construction area of more than 90 square meters, the loan down payment ratio shall not be less than 30%;

3. Housing accumulation fund The second set of personal housing loans is only provided to the paid workers' families whose existing per capita housing construction area is lower than the local average level, and the purpose of the loans is limited to the purchase of ordinary self-occupied housing to improve living conditions. The down payment ratio of the second housing provident fund personal housing loan is not less than 50%, and the loan interest rate is not less than 1. 1 times of the first housing provident fund personal housing loan interest rate in the same period;

4. Stop issuing housing provident fund personal housing loans to paid workers' families who buy third and above houses;

5, urban housing provident fund management committee to according to the local housing prices, per capita housing construction area and housing provident fund business development, in order to support the paid workers to buy ordinary self-occupied housing loan demand as the principle, reasonably determine the maximum amount of housing provident fund personal housing loans, and report to the provincial housing and urban construction, finance, the people's Bank of China, banking regulatory authorities for the record;

6, the city housing provident fund management center and the entrusted bank should take effective measures to strengthen the investigation, review, mortgage, issuance and recovery of housing provident fund personal housing loans, and effectively strengthen loan risk management to ensure the safety of funds. Xiao Hui Debate Provident Fund Housing Management Center shall, jointly with relevant competent departments, pay close attention to establishing an information sharing mechanism to prevent fraudulent housing provident fund personal housing loans and other acts. At the same time, it is necessary to simplify the procedures and improve the service level.

Legal basis: Article 15 of the Regulations on the Administration of Housing Provident Fund.

Units employing employees shall, within 30 days from the date of employment, go to the housing provident fund management center for deposit registration, and go to the entrusted bank for the establishment or transfer of employee housing provident fund accounts with the audit documents of the housing provident fund management center.

The latest policy of provident fund in 2022

Regulations on provident fund management, new policy in 2022.

1. Article 1 These Regulations are formulated in order to strengthen the management of housing provident fund, safeguard the legitimate rights and interests of the owners of housing provident fund, promote urban housing construction and improve the living standards of urban residents.

Article 2 These Regulations shall apply to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC). The term "housing accumulation fund" as mentioned in these Regulations refers to state organs, state-owned enterprises and urban collective enterprises.

3. The housing provident fund paid by individual employees and the housing provident fund paid by the employee's unit for employees belong to individual employees.

4. Housing provident fund management should follow the principles of decision-making of housing provident fund management committee, operation of housing provident fund management center, special bank account storage and financial supervision.

According to the latest policy, in 2022, if both husband and wife pay housing provident fund, the maximum loan amount will be 600,000 yuan when handling provident fund loans. In the past, the maximum loan amount was 500,000, a relative increase of 654.38+10,000, which should be regarded as good news for everyone. 1. The loan amount is determined according to the borrower's repayment ability. The calculation formula is: the amount of housing provident fund paid by the borrower per month ÷ the proportion of housing provident fund paid by the borrower × individual repayment ability coefficient (currently 0.45)× 12 (month )× actual loanable years. If both husband and wife have paid the provident fund and borrowed jointly, the loan amount shall be the sum of the loan amounts calculated by both husband and wife.

2, the provisions of the maximum amount of personal loans. At present, the maximum loan for employees who have paid the housing provident fund is 300,000 yuan; For employees whose husband and wife both pay housing provident fund, the maximum loan amount is 600,000 yuan.

3. The maximum loan amount for the purchase of commercial housing shall not exceed 80% of the total purchase price; For the purchase of second-hand houses, the loan amount shall not exceed 70% of the total purchase price.

The latest policy of provident fund loan amount 2022

According to the latest policy, in 2022, if both husband and wife pay housing provident fund, the maximum loan amount will be 600,000 yuan when handling provident fund loans. In the past, the maximum loan amount was 500,000, a relative increase of 654.38+10,000, which should be regarded as good news for everyone. 1. The loan amount is determined according to the borrower's repayment ability. The calculation formula is: the amount of housing provident fund paid by the borrower per month ÷ the proportion of housing provident fund paid by the borrower × individual repayment ability coefficient (currently 0.45)× 12 (month )× actual loanable years. If both husband and wife have paid the provident fund and borrowed jointly, the loan amount shall be the sum of the loan amounts calculated by both husband and wife.

2, the provisions of the maximum amount of personal loans. At present, the maximum loan for employees who have paid the housing provident fund is 300,000 yuan; For employees whose husband and wife both pay housing provident fund, the maximum loan amount is 600,000 yuan.

3. The maximum loan amount for the purchase of commercial housing shall not exceed 80% of the total purchase price; For the purchase of second-hand houses, the loan amount shall not exceed 70% of the total purchase price.