Employees who have paid housing provident fund: In order to implement the spirit of the Implementation Opinions of Pu 'er Municipal People's Government on Implementing the Opinions of Yunnan Provincial People's Government on Promoting Stable and Healthy Economic Development and the Notice of the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China on Developing Personal Housing Loan Business of Housing Provident Fund, and to further play the role of guarantee and mutual assistance of the housing provident fund system, combined with the actual housing provident fund in Pu 'er City, the loan and withdrawal policies for personal housing provident fund in Pu 'er City are adjusted as follows from May 26th:

1. Increase the loan amount. If employees purchase, build, renovate or overhaul their own houses, the maximum amount of housing provident fund loans for loan applicants will be adjusted from 350,000 yuan to 400,000 yuan.

Second, reduce the down payment ratio (1) If an employee who has paid the housing provident fund applies for a personal housing provident fund loan to purchase the first set of ordinary self-occupied housing, the minimum down payment ratio will be adjusted from 30% to 20%; (2) If the employees who have paid the housing provident fund apply for a personal housing provident fund loan to buy a second set of ordinary self-occupied housing, the minimum down payment ratio will be adjusted from 50% to 30%, and the loan interest rate will be 1. 1 times of the personal housing loan interest rate of the first set of housing provident fund of the same grade.

Third, relax the loan conditions (1) Employees who have paid the housing provident fund can apply for individual housing provident fund loans to purchase houses within three years. (2) Employees who have paid the housing provident fund in full for more than 6 months (inclusive) may apply for individual housing loans from the housing provident fund. If the housing provident fund is paid in different places and the current residence is less than 6 months, the payment time can be calculated according to the payment certificate issued by the original housing provident fund management center.

Fourth, relax the conditions for withdrawal (1) Employees who have paid the housing provident fund can apply for withdrawal of the provident fund to purchase houses within three years. (2) Relax the conditions for renting a house to withdraw the provident fund, and cancel the restriction on the proportion of rent expenditure to family income. Employees who have paid the housing provident fund have paid the housing provident fund in full for three consecutive months. If my spouse and I have no housing and rent a house in the deposit city, they can withdraw the housing provident fund of both husband and wife to pay the rent.

Five, not related to the adjustment of the relevant content, according to the original provisions of the center.