During the year, 20 houses implemented the new provident fund policy.
According to incomplete statistics, since 2020, Beijing, Shenyang, Hunan, Yunnan, Heilongjiang, Guangzhou, Dongguan, Jinan and other 20 places have implemented the new provident fund policy, which has made new provisions on the scope and amount of provident fund withdrawal, loan application conditions and loan amount, and the policies in many places have been obviously relaxed.
In terms of exit policy, Jinan adjusted the amount of leased commodity housing from May 1, and the amount of each person's exit increased from 7,200 yuan to 9,600 yuan, and increased from 9,600 yuan to12,000 yuan two years later. It is reported that employees who pay the provident fund can raise an average of 1000 yuan per month, and families with two employees can raise an average of 2000 yuan per month.
Shenyang raised the withdrawal limit of rental housing, and the urban limit was raised from 1.200 yuan/month to 1.400 yuan/month; If the house is located in four counties (autonomous regions and municipalities), the quota will be increased from 800 yuan/month to 950 yuan/month.
Since renting a house to withdraw provident fund is the most frequently used business type for employees everywhere, raising the upper limit and amount of provident fund withdrawal is one of the practical measures to protect renters.
In terms of loan policy, taking Hunan as an example, from May 1, if borrowers buy second-hand houses and apply for provident fund loans, and apply for bank loans to be converted into provident fund loans, the life of mortgaged properties will no longer be limited; The time for borrowers to apply for loans after purchasing, building, rebuilding and overhauling their own houses is adjusted from 2 years before applying for loans to 1 year.
Jingzhou, Hubei Province stipulates that the maximum amount of personal provident fund loans will be raised from 450,000 yuan to 500,000 yuan. In addition, the purchase of new commercial housing in Jingzhou before June 30, after paying the deed tax, will be fully rewarded and returned by the financial department.
In some areas, the provident fund loan policy has been tightened. Yunnan stipulates that it is not allowed to issue provident fund personal housing loans to paid workers' families who purchase third or above houses. Foshan, Guangdong Province requires that before the first provident fund loan is paid off, employees may not apply again and may not issue loans to employees who have used housing provident fund loans twice.
Yan Yuejin, research director of the think tank center of Yiju Research Institute, told the Zhongxin Jingwei client that since last year, the provident fund policy has been significantly relaxed. Whether it is an adequate quota or the orientation of serving the people, it is very obvious that more areas are convenient for employees to use the provident fund. This is a basic direction.
Actively respond to the impact of the epidemic in many places
Affected by the COVID-19 epidemic, according to the regulations of the Ministry of Housing and Urban-Rural Development, enterprises can apply for holdover of housing provident fund before June 30th. The continuous calculation of the deposit time during the holdover period does not affect the normal withdrawal and application of housing provident fund loans for each employee.
Since the outbreak of the epidemic, various localities have intensively introduced policies to adjust the provident fund policy, mainly including two categories. One is to reduce the proportion of provident fund deposit in stages. As stipulated in Shenzhen, enterprises in difficulty can apply to reduce the deposit ratio of housing provident fund to a minimum of 3% for a period of no more than 12 months; The second is to allow enterprises to delay the payment of provident fund. Since February, Ningbo, Xiamen, Nanning, Zhengzhou and other cities have allowed enterprises with operational difficulties to postpone the payment of provident fund.
Wuhan, Hubei Province issued a notice saying that providing preferential policies for medical personnel and staff involved in epidemic prevention and control in Wuhan to use provident fund within a certain period of time can increase the loan amount by up to 1.2 times, that is, the maximum loan can be 840,000 yuan; Jingzhou has made it clear that the first-line medical staff involved in epidemic prevention and control will buy houses in Jingzhou, and the preferential period of deed tax on house purchase will be extended to 65438+February 3 1.
Beijing has made it clear that before June 30, if a rental contract or rent invoice is provided to apply for withdrawal of the provident fund, the withdrawal amount will be adjusted to be determined by the amount of rent actually paid by the depositor, which is not limited by the monthly payment amount of the depositor; If the provident fund lender fails to repay the loan normally due to the epidemic, it will not be overdue.
Some residents in Guangzhou can withdraw the provident fund again. Specifically, employees who are approved to reduce the payment ratio, postpone payment and stop payment by stages, and depositors who are unemployed or not unemployed due to the epidemic but temporarily lose their income sources may apply for additional withdrawal of provident fund before June 30, and the withdrawal amount shall not exceed 3,000 yuan.
Provident funds can be withdrawn from the renovation of old residential areas.
The client of Sino-Singapore Jingwei combed and found that in some areas, it is clear that the provident fund can be used for the renovation of old residential areas and the installation of elevators in existing houses. Judging from the long-term trend of the "old reform" policy, other regions may follow suit.
Since May 1 year, the new provident fund policy implemented in Heilongjiang Province has proposed that if the depositor has purchased, built, renovated or overhauled the owner-occupied house, the principal and interest of the house purchase loan will be repaid, and the employees who have no house will continue to pay for more than three months, and nine types of provident fund can be withdrawn, such as renovation of old communities, installation of elevators in old communities, retirement and settlement abroad. In addition, Shanghai, Qingdao, Shandong and other places have also made it clear that the provident fund can be used for renovation projects of old houses and elevator installation projects of existing houses.
It is worth noting that "old reform" was mentioned in two important meetings this year. On April 17, the Politburo held a meeting to emphasize "actively expanding effective investment and implementing the transformation of old communities". On April 14, the the State Council executive meeting proposed that 39,000 old residential areas in the city should be renovated this year, involving nearly 7 million residents, which is twice as much as last year. The key point is to complete the renovation of residential areas before the end of 2000.
Should the provident fund be cancelled?
The data shows that by the end of 20 18, the balance of national housing provident fund deposits was 5.79 trillion yuan, and personal housing loans were 4.98 trillion yuan, and the proportion of personal housing loans (housing provident fund loan balance/deposit balance) reached 86.04%. Since the establishment of the housing accumulation fund system for more than 20 years, it has played an important role in solving the housing problem of employees, reducing the burden of buying houses and increasing the welfare of employees.
Recently, Huang, vice chairman of China International Economic Exchange Center, proposed that the "provident fund" with China characteristics should be transformed into an enterprise annuity system and put into the market to benefit workers, enterprises and the country. In February this year, Huang put forward the "Proposal on Abolishing the Provident Fund System", which directly reduced the cost of enterprises and employees 12%.
Su Jian, director of Peking University National Economic Research Center, once said that housing provident fund is tax-free, and if renting a house can be easily taken out, it is equivalent to giving everyone a welfare without paying taxes. If the housing provident fund is abolished, it will reduce the disposable personal income of ordinary people.
In Yan Yuejin's view, it is not feasible to cancel the deposit of provident fund. Provident fund deposit is not entirely the burden of enterprises. As a form of employee welfare, employees themselves bear part of the costs. In addition, he also said that in the future, all localities should simplify the use of provident fund, make it easier for employees to use provident fund, and let provident fund resources play more roles. (Zhongxin Jingwei APP)