1 The provident fund loan has closed down.

Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.

20 12 some cities relaxed the conditions of provident fund loans, among which the upper limit of housing provident fund loans in 9 counties of Linyi City, Shandong Province was raised from 200,000 yuan to 300,000 yuan from June 1.

20 14, 10 In June, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China issued a document, including relaxing the conditions of provident fund loans, promoting loans in different places, reducing intermediate costs, canceling the housing provident fund personal housing loan insurance, notarization, new house evaluation and compulsory institutional guarantee, and reducing the burden on loan workers. Among them, employees who have paid for 6 months can apply for provident fund loans (currently 12 months).

The loan conditions are: the employees of the unit have signed labor contracts for more than three years (or signed 1 year labor contracts for three consecutive years); Normal continuous monthly housing provident fund deposit exceeds a certain period; Not exceeding the statutory retirement age; The borrower has a stable economic income and the ability to repay the principal and interest; The borrower agrees to handle the mortgage registration and insurance; Provide the guarantee method agreed by the local housing provident fund management center and its sub-centers; At the same time, submit relevant documents required by the bank, such as house purchase contract or house pre-sale contract, real estate license, land use certificate, deposit certificate of provident fund, etc.

Letter of credit clause

1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans.

2. To participate in the housing provident fund system, if you want to apply for a housing provident fund personal purchase loan, you must also meet the following conditions: that is, the housing provident fund has been continuously paid for at least 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans.

3. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families.

4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund.

5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.

202 1 year provident fund ushered in "new adjustment"! Not only does it not cancel, it is equivalent to a disguised salary increase.

Everyone knows that looking for a job requires "five insurances and one gold", so what are five insurances and one gold? Needless to say, there are five types of social insurance: endowment insurance and medical insurance, which everyone knows better. But a gold is rarely understood. In fact, this is the housing provident fund.

Generally speaking, housing provident fund is actually "saving money to buy a house". Everyone will have a provident fund account after paying the provident fund, and units and individuals will "save money". For example, if 500 yuan is deducted from your salary and deposited in the provident fund account for one month, and the unit will also deposit 500 yuan in the provident fund account, then the account will have 1 1,000 yuan this month.

In this way, it is very cost-effective for individuals to pay the provident fund, which is equivalent to "earning" more money every month. In fact, the provident fund not only has this advantage, but also has two advantages in buying a house.

Is it difficult to buy a house? There are two advantages to using provident fund.

House prices are "unattainable"? Is the interest on the house loan too high? For most ordinary people, provident fund is the best "tool" to solve these two problems. Compared with other ways, provident fund loans to buy a house have two advantages:

First, the down payment ratio is low. The premise of loan is down payment, but the proportion of down payment for commercial loans is relatively high, and the regulations vary from place to place. However, according to the relevant regulations of our country, the down payment ratio of individuals applying for housing loans is not less than 30%, that is to say, for a house of 6,543,800 yuan, at least 300,000 yuan must be paid down.

In fact, the down payment ratio in many cities has reached 50%, and the second suite is even higher; Compared with the provident fund, the down payment is relatively low. According to national regulations, the minimum down payment ratio of provident fund loans is 20%. For example, the down payment ratio in most cities such as Sanya and Beijing is 20%.

Therefore, the same house is 6.5438+0 million yuan, and the down payment ratio of provident fund loans will be 6.5438+0 million yuan less than that of commercial loans. If you "give up" buying a house because the down payment budget is insufficient, try the provident fund, which can solve this problem well.

Second, provident fund loans should pay less interest. Similarly, let's look at commercial loans first. The official benchmark of loan interest rate on April 202 1 and April 1 is 4.9%, and all banks will fluctuate on this benchmark. Look at the latest LPR released on April 20th, 1 year 3.85% and 5-year 4.65%.

Finally, look at the loan interest rate of provident fund. China's current benchmark interest rate for provident fund loans is 2.75% for less than five years and 3.25% for more than five years. Compared with the last article, it is obvious who is taller and who is lower.

Everyone understands these two benefits, and I think everyone understands why so many people want to find a company that pays provident fund when they apply for a job, because for ordinary people, this is really a good "welfare" and can solve many housing problems. However, some experts said that the provident fund should be "cancelled"?

If the provident fund is not cancelled, there will be "major events".

This expert is Huang, a famous economist. He once publicly stated that the provident fund should be abolished. He gave two reasons: First, too few people used the provident fund, wasting "resources"; The second is to "lose weight" for enterprises. According to Huang's calculation, canceling the provident fund will reduce the enterprise expenditure by more than 12%.

After this proposal was put forward, Dong Mingzhu, a well-known entrepreneur, also publicly supported it, which was a sign of "deep pockets". Gree will build houses for employees, and there is no need to use the provident fund. Speaking of it, their suggestions are also slightly reasonable. Then, as a "welfare" for ordinary people to buy a house, will the provident fund really be cancelled?

202 1, the policy of "canceling" the provident fund has never come out, and there is no news at all. Instead, it ushered in the "happy event" of the provident fund. Hearing these news, the people should be very happy, because the provident fund has not been cancelled, but it is equivalent to giving them a salary increase in another way!

Not only can you buy a house, but you can also raise the provident fund in six situations.

People who know or don't know about provident fund basically know that provident fund is a "function" for buying a house and can't be used for other projects, but now, the uses of provident fund have become very many. In addition to buying a house, the money in the provident fund account can be "withdrawn" in the following situations!

For example, renting a house, decorating your own house, repaying loans, retiring, going abroad to settle down, treating diseases, and finally dying. For these aspects, only relevant documents and materials need to be prepared to apply for withdrawal of provident fund, but there are corresponding "conditions".

For going abroad, dying, or retiring, this situation is the "cancellation" of the provident fund account, which can be withdrawn at one time. However, if you want to withdraw the provident fund for renting, decorating and repaying loans, etc. There is a certain limit, not to mention as much as you want. At the same time, medical expenses can only be used to treat nine kinds of serious diseases stipulated by the state.

Generally speaking, experts propose to cancel the provident fund only because it is a "waste of resources". Now the provident fund can be used not only to buy a house, but also in many aspects, which is not a "waste of resources". I believe that the reform of provident fund will not stop in the future, and good news will come one after another, and the role of provident fund will become more and more important.

Have you paid the provident fund? Do you think the provident fund can be cancelled? Welcome to leave a message for discussion.

Zhangzhou, Fujian: Cancel the restrictions on the number of housing provident fund loans and housing units.

On June 6th, official website and Zhangzhou Housing Provident Fund Center of Fujian Province issued the Notice on Adjusting Relevant Policies of Housing Provident Fund Business (hereinafter referred to as the Notice), in which it was mentioned that if employees purchase or build self-occupied houses and withdraw housing provident fund to pay house prices or repay commercial housing loans, the number of housing provident fund loans and the number of housing provident fund loans will be cancelled.

According to the notice, if employees' families apply to use the housing provident fund to purchase new commercial housing, the down payment ratio for the second and above housing shall not be less than 40% (including Changtai District, Nanjing County, Pinghe County, Hua 'an County, Zhangzhou Development Zone, Taiwanese investment zone and high-tech zone shall not be less than 30%).

If the employee's family has used and settled the housing provident fund loan, the down payment ratio for re-applying to use the housing provident fund to purchase new commercial housing shall not be less than 40% (including Changtai District, Nanjing County, Pinghe County, Hua 'an County, Zhangzhou Development Zone, Taiwanese Investment Zone and High-tech Zone shall not be less than 30%).

The above-mentioned adjustment of the minimum down payment ratio for the purchase of new commercial housing shall be implemented from the date of issuance, subject to the submission time of the online signing of the commercial housing sales contract. In addition, the notice also stated that it is necessary to strengthen the prevention and control of the liquidity risk of housing provident fund. When the utilization rate of funds reaches more than 90% (inclusive), the maximum amount of housing provident fund loans will be adjusted according to the spirit of the meeting of the Municipal Housing Provident Fund Management Committee.

Zhangzhou Housing Provident Fund Center said that in order to further expand the coverage of the housing provident fund system, give full play to the inclusiveness of the housing provident fund system, and increase support for flexible employees in Zhangzhou to solve their own housing needs, Zhangzhou Housing Provident Fund Center will try to establish a housing provident fund system for flexible employees in Zhangzhou, and the specific management measures will be announced separately after formulation.