June 65438+1October 10 According to the Implementation Plan of Optimizing Birth Policy in Jinan to Promote Long-term Balanced Population Development, Jinan Provident Fund Center has formulated the detailed rules for the implementation of the housing provident fund policy for families with two or more children.
Detailed rules for the implementation of housing provident fund policy for families with two or more children
According to the Implementation Plan of Optimizing the Birth Policy in Jinan to Promote the Long-term Balanced Development of the Population, the detailed rules for the implementation of the housing provident fund policy for families with two or more children are formulated.
First, housing provident fund loans.
1, condition recognition
A family with two or more children refers to a family that has given birth to or adopted two or more children (the number of existing children) according to national policies.
2. Relevant loan policies
If two children apply for housing provident fund loans to purchase the first set of self-occupied housing, the maximum loanable amount of the employee's family who paid the housing provident fund per person will be raised to 600,000 yuan, and the maximum loanable amount of the employee's family who paid the housing provident fund for two or more people will be raised to 900,000 yuan; For workers' families with three or more children who apply for housing provident fund loans to buy the first set of self-occupied housing, the maximum loan amount for workers' families who pay housing provident fund per person will be raised to 600,000 yuan, and the maximum loan amount for workers' families who pay housing provident fund for two or more people will be raised to 6,543,800 yuan.
3. Application materials and processing requirements
(1) Resident ID card, household registration book, birth medical certificate, adoption registration certificate, judgment, etc. This can prove the relationship between children.
(2) Other matters concerning provident fund loans shall be handled in accordance with the Measures for the Administration of Personal Housing Provident Fund Loans in Jinan and the Operating Rules for Personal Housing Provident Fund Loans in Jinan.
4. Handling place
No.386, Qi Jing Road, Qi Jing Road Branch, China Construction Bank
Jida Road, Baotuquan Sub-branch, Industrial and Commercial Bank of China 1 1
No.256, Jason Wu Road, Luoyuan Branch, Agricultural Bank of China
No.28 Baliwa Road, Quancheng Branch, Bank of China
No.249, Qi Jing Road, Shizhong Branch of Bank of Communications
Postal Savings Bank of China Lixia Branch Heihuquan West Road 18 1
Zone 4, Hanyu Financial Business Center, No.7000 Jingshi Road, Jinan Branch of China Merchants Bank 1 Building
No. Heihuquan Road 139, Personal Credit Department, Jinan Branch, Shanghai Pudong Development Bank
No. Shunhe Street 176, Retail Banking Department of Qilu Bank Head Office
No. Luoyuan Street 150, Personal Loan Center of China CITIC Bank Jinan Branch
No. Liu Changshan Road 16, Yangguangxin Road, Shizhong Branch of China Everbright Bank.
Zone 6 1 Building of Hanyu Jingu Business Center, No.7000 Jingshi Road, Jinan Branch of Industrial Bank
Zhongrun Century Plaza1No.3777, Jinan Branch of Ping An Bank
Shungeng Mountain Villa, No.28 Shungeng Road, Jinan Branch of Minsheng Bank
Huaxia Bank Jiefang Road Branch No.62 Jiefang Road
No.71Jingqixiaoweier Road, Jingqilu Sub-branch, hengfeng bank
Laiwu Service Hall No.0/KLOC-0, Wenhua North Road, Laiwu District
Gangcheng Service Hall, 2nd Floor, Gangcheng Government Affairs Service Center, No.29 Fu Qian Street, Gangcheng District
Second, the housing provident fund extraction
1, condition recognition
A family with two or more children refers to a family that has given birth to or adopted two or more children (the number of existing children) according to national policies.
2. Relevant extraction policies
Families with two children and above who have no self-owned housing or rented housing in our city can withdraw the housing provident fund according to the actual rental expenses.
3. Application materials
Resident identity card, residence booklet, birth medical certificate, adoption registration certificate, judgment, etc. , can prove the relationship between children, housing rental registration certificate issued by the housing management department, housing rental invoice, a settlement account under the name of the employee.
4. Withdrawal amount and frequency
Employees can return once a year, and the time interval from the last rental category needs one year. The total amount withdrawn by both husband and wife shall not exceed the actual rental expenses (subject to the invoice amount of house lease).
5. Handling place
(1) Jinan government service housing provident fund hall (No.10 Jingshi Road, Lixia District 17099): Monday to Friday from 9: 00 to17: 00; Saturday and Sunday 9: 00- 12: 00, 13: 00- 17: 00.
(2) Fund window of Jinan Municipal Affairs Service Center (West Hall, 3rd floor, No.9 Zhanqian Road, Shizhong District): 9: 00-17: 00 from Monday to Friday; Saturday and Sunday 9: 00- 12: 00, 13: 00- 17: 00.
(3) Provident Fund Window of Government Affairs Service Center in High-tech Zone (2nd floor, No.750 Shunhua Road, High-tech Zone): Monday to Sunday from 9: 00 am to 12: 00 pm and from 13: 00 pm to 17: 00 pm.
(4) Laiwu Service Hall of Jinan Housing Provident Fund Center (3rd floor, Wenhua North Road 10, Laiwu District): Monday to Sunday, 8: 30 am-165438+0: 30 pm, 14:00- 17:30.
(5) Gangcheng Service Hall of Jinan Housing Provident Fund Center (2nd floor of Gangcheng Administrative Service Center, No.29 Fu Qian Street, Gangcheng District): Monday to Sunday, 8: 30 am-165438+0: 30 pm, 14:00- 17:30.
Three, these rules shall be interpreted by the Jinan Housing Provident Fund Center.
Four, these rules shall come into force as of the date of promulgation.
Ji' nan housing fund center
65438+20231October 10
New Policy of Jinan Provident Fund Loan in 2022
Legal subjectivity:
2065438+September 1 2005, the new housing provident fund policy was implemented, and the down payment ratio of the second housing provident fund loan was reduced. The Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the Central Bank issued a notice to reduce the minimum down payment ratio from 30% to 20% for 1 set of housing households who have settled the corresponding housing loans and applied for housing provident fund entrusted loans to improve their living conditions. Beijing, Shanghai, Guangzhou and Shenzhen can independently decide the minimum down payment ratio for applying for a housing provident fund entrusted loan to buy a second house on the basis of national unified policies and local conditions. How to adjust the new policy of provident fund loans? After the adjustment, the minimum down payment ratio of the second-home provident fund loan was reduced from 30% to 20%. In addition, the first suite is determined to fully implement "recognizing the house but not the loan", and the second home loan does not review the existing housing area, with the maximum loan amount of10.2 million yuan. Who is the biggest beneficiary of the new provident fund loan policy? The main beneficiaries are paid employees who purchase self-occupied and improved housing needs. For example, if the borrower purchases the first set of self-occupied housing by inquiring that there is no housing under his name, the first set of self-occupied housing loan policy will be implemented, with a minimum down payment ratio of 20% and a maximum loan amount of 6.5438+0.2 million yuan; There is already a set of housing under the name of the loan applicant. If you buy a house again to improve the housing conditions, you will no longer set the limit that the per capita housing construction area of the existing housing is lower than the per capita housing construction area. How much can the second-home provident fund save by cutting interest rates? 20 15 On August 25th, the central bank just announced the interest rate cut and RRR. After the interest rate cut, the benchmark mortgage interest rate dropped from 5.4% to 5. 15%, and the provident fund loan interest rate dropped from 3.5% to 3.25%, thus reducing the monthly supply pressure again.
Jinan provident fund loan policy
Jinan provident fund loan policy is as follows:
Purchase a second set of ordinary self-occupied housing in the administrative area of Jinan to apply for housing provident fund loans, and the minimum down payment ratio will be adjusted from 60% to 40%.
The implementation of the policy shall be based on the time when the house is signed online, and it will take effect on August 15, 2022.
Jinan provident fund housing policy
First, the new policy of housing provident fund in Jinan
New policy 1: increase the amount of provident fund loans
The limit for employees' families with two or more employees to apply for provident fund loans will be raised to 700,000 yuan, including 600,000 yuan in Zhangqiu, Pingyin, Jiyang and Shanghe; The limit for employees' families with one-person provident fund to apply for provident fund loans has been raised to 400,000 yuan, including 350,000 yuan in Zhangqiu, Pingyin, Jiyang and Shanghe.
New Policy 2: Improve the calculation ratio coefficient of monthly provident fund loan.
The monthly repayment ability of Jinan provident fund loan is increased from 50% of the borrower's total monthly salary to 60%. The calculation formula of loanable amount is as follows:
Formula 1: Provident fund loan amount = (the balance of the borrower's housing provident fund account is the same as that of the borrower's housing provident fund account) ×15;
Formula 2: Loan amount of the borrower's or * * * borrower's provident fund = monthly deposit base of my housing provident fund (average in the last six months) × 12× loan term ×60%× time coefficient of my deposit.
New policy 3: expand the scope of provident fund withdrawal
From March 7, 2006 to March 7, 2065438, employees and their spouses who have paid housing maintenance funds and have no balance of provident fund loans can withdraw housing provident fund once with valid vouchers. The total withdrawal of employees and spouses shall not exceed the actual payment of residential maintenance funds. Employees can hold ID cards and other related materials to the provident fund service hall on the third floor of the municipal government service center or the west hall for withdrawal business.
Second, the proportion of housing provident fund deposit in Jinan
1. The contribution ratio of housing provident fund is not certain, and everyone's contribution ratio may be different. But it must be higher than 5% of the salary and lower than 12%.
2. According to Article 11 of Chapter II of the Measures for the Administration of Housing Provident Fund in Jinan City, the deposit ratio of housing provident fund shall be chosen by the unit according to the actual situation, but it shall not be less than 5% of the average monthly salary and shall not be higher than 12%. Each year, the unit can only set a deposit ratio, which can be gradually increased. The proportion of personal deposits is the same as that of unit deposits.
At the same time, the scope of housing provident fund withdrawal in Jinan area has been expanded, and employees can withdraw housing provident fund with valid documents on the basis of meeting certain conditions. Housing provident fund is paid by units and individuals, and the payment ratio is the same.
Ji 'nan Provident Fund Loan Line 2022
1. The loan amount of housing provident fund shall not be higher than the maximum loan amount approved by the housing provident fund management committee.
2. The loan amount of housing provident fund shall not be higher than the remaining purchase price after the down payment. At the same time not higher than the loan formula.
In addition, it is not higher than the borrower's repayment ability.
3. Maximum loan amount. At present, there are two or more employees who have paid housing provident fund in the administrative area of Jinan, and the maximum loan amount of family provident fund loans is 600,000 yuan (500,000 yuan in Pingyin, Jiyang and Shanghe); The maximum loanable amount of the employee's family provident fund loan with one person paying the housing provident fund is 300,000 yuan (250,000 yuan in Pingyin, Jiyang and Shanghe).
Down payment ratio. At present, the minimum down payment ratio of the first set of commercial housing provident fund loans is 30%, and the minimum down payment ratio of the second set of commercial housing provident fund loans is 60%.
4. Article 26 of the Regulations on Housing Provident Fund Management stipulates that the housing provident fund management center shall make a decision on whether to grant or not to grant the loan within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.
Jinan Provident Fund Policy in 2022
According to the regulations of Jinan Housing Provident Fund Management Center, the loan conditions of Jinan housing provident fund are as follows:
1. The applicant has paid the housing accumulation fund in full 12 months or more;
2. The applicant has full capacity for civil conduct;
3. Jinan permanent residence and valid residence status;
4. Have a stable income and good credit;
5. Have the ability to repay the principal and interest;
6. The purchased house is a legal property within the scope of Jinan;
7. The down payment ratio of house purchase shall not be less than 20%-30%;
8. The down payment ratio for purchasing the second suite shall not be less than 60%;
9. The purchase agrees to the guarantee method recognized by the housing provident fund management center;
10, the applicant has no housing provident fund loan balance;
1 1. It is forbidden for borrowers to buy third homes and use housing provident fund loans.
legal ground
Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.
This is the introduction and the end of the new policy of Jinan provident fund loan. I wonder if you found the information you need from it?