First, adjust some housing provident fund withdrawal policies.
(1) For single employees who have no housing, the monthly limit for drawing housing provident fund to pay rent is raised from 1.200 yuan to 1.800 yuan. For married workers who have no housing, the total monthly limit for both husband and wife to withdraw housing provident fund to pay rent is raised from 2,400 yuan to 3,600 yuan.
In a natural year, the total withdrawal amount shall not exceed the annual maximum, which is 2 1.600 yuan/year for single employees and 43,200 yuan/year for both husband and wife. You can withdraw money once every quarter, and the interval between two withdrawals is 3 months. Employees who rent affordable rental housing can go through the withdrawal procedures on a regular basis according to the agreement between the employees and the rental unit, and pay the funds directly to the rental unit.
(two) there are housing provident fund loans in our center and the monthly withdrawal of housing provident fund to repay the loan principal and interest. An agreement can be signed to supplement the monthly withdrawal and repayment of commercial loans.
After settling the principal and interest of the current housing provident fund loan, the remaining housing provident fund deposit in the current month will be used to repay the commercial personal housing loan. The maximum withdrawal amount is the smaller of the monthly loan repayment amount and the monthly housing provident fund deposit amount.
Second, adjust some housing provident fund loan policies.
(1) When using the housing provident fund loan to buy a second house, the standard for determining the area of the first suite is: the per capita construction area of the existing house in the family does not exceed 40 square meters. No longer limit the area of the existing first suite.
(two) the civilian personnel of the military reform shall be handled with reference to the conditions and quotas of the housing provident fund loans for active servicemen.
Third, increase the support of housing provident fund for families with many children to buy houses and rent houses.
(1) For families with many children (with two or more minor children), the maximum loanable amount of the first house purchased by using the housing provident fund loan for the first time is increased by 20% on the basis of the maximum loanable amount of ordinary families, that is, the maximum loanable amount of families with many children is 600,000 yuan/person and 6,543.8+0.2 million yuan/household.
(two) families with many children and no housing, the monthly limit of housing provident fund to pay rent increased by 20%.
Support policies for housing provident fund, housing loans and rental housing for families with many children do not overlap with the support policies for housing provident fund for high-level talents in this Municipality.
This notice shall come into force as of the date of promulgation. Housing provident fund management center accepts housing provident fund loan applications in accordance with the adjusted loan policy. Loans that have been approved by the housing provident fund management center before are still implemented according to the original policy.
The Nanjing Housing Provident Fund Management Center is responsible for the interpretation of this notice. If the original relevant provisions are inconsistent with this notice, this notice shall prevail.
The policy explanation is as follows
I. Main contents
(A) on the adjustment of part of the housing provident fund withdrawal policy
1. Increase the amount and frequency of rent withdrawal.
In order to implement the policy of "rent and purchase at the same time", we will further increase the support for renting houses and optimize the rental policy to meet the actual needs of new citizens, young people and other groups.
For married workers who have no housing, the total amount of rent paid by both husband and wife from housing provident fund every month will be increased from 2,400 yuan to 3,600 yuan, and the total amount of annual withdrawal by husband and wife will not exceed 43,200 yuan.
The extraction frequency is adjusted from annual interval 12 months to quarterly interval of 3 months. For employees with sufficient account balance, you can withdraw the annual quota at one time. For employees who have already returned their rents this year, they can continue to make up the remaining quota.
2. Optimize the monthly repayment policy.
(1) In order to reduce the repayment pressure of employees, improve the orderly use efficiency of housing provident fund, optimize the monthly repayment policy, and meet the repayment needs of employees. For employees who have housing provident fund loans in our center and have signed a monthly repayment agreement for housing provident fund loans, if there are outstanding commercial personal housing loans.
An agreement can be signed to supplement the monthly withdrawal and repayment of commercial loans. After the principal and interest of the current housing provident fund loan are settled, the center will automatically transfer part of the amount in the employee deposit account from 19 to the employee commercial loan repayment bank card by transfer every month according to the feedback from the employee commercial loan bank last month.
Used to repay the principal and interest of commercial loans repaid last month. The withdrawal amount is the smaller of the monthly repayment amount of commercial loans last month and the monthly deposit amount of housing provident fund after deducting the monthly repayment amount of public loans in the current period.
Workers can go to the bank that pays the housing provident fund and sign an agreement to supplement the monthly withdrawal and repayment of commercial loans. When signing the Agreement on Supplementary Monthly Withdrawal and Repayment of Commercial Loans, the housing provident fund loan shall not be overdue, and the Agreement on Monthly Repayment of Public Loans has been signed, which will take effect the following month.
(two) on the adjustment of part of the housing provident fund loan policy
In order to support residents' demand for improved housing, the standard for determining the area of the first suite was adjusted. When canceling the original purchase of the second house, the construction area of the first house should not exceed 120 square meters, and only the standard of per capita should not exceed 40 square meters.
(3) About increasing the housing accumulation fund for families with many children to rent and buy houses.
Actively implement the maternity housing provident fund support policy and increase support for families with many children to rent and purchase housing provident fund. A family with many children refers to a family with two or more minor children.
For families with many children and no housing, the monthly limit for drawing housing provident fund to pay rent will be increased by 20%. It is the first time to use the housing provident fund loan to buy the first house. The maximum loan amount for both husband and wife is 600,000 yuan/person and 6,543.8+0.2 million yuan/household respectively.
Support policies for housing provident fund, housing loans and rental housing for families with many children do not overlap with the support policies for housing provident fund for high-level talents in this Municipality.
Second, the implementation time and matters needing attention
The notice will take effect. Housing provident fund management center accepts housing provident fund loan applications in accordance with the adjusted loan policy. Loans that have been approved by the housing provident fund management center before are still implemented according to the original policy.