1. Adjust the scope of "house recognition". Adjust the scope of "recognizing houses" from Taizhou administrative area to county (city, district) administrative area.
2. Increase the maximum loan amount. Adjust the maximum loan amount of housing provident fund to 500,000 yuan for one party and 654.38+0,000 yuan for both husband and wife. Both the first and second application for housing provident fund loans can enjoy the maximum loan amount.
3. Adjust the down payment ratio. Reduce the down payment ratio of the first application for housing provident fund loans from 30% to 20%.
4. Further liberalize the preferential policies for housing provident fund loans for three-child families. When a three-child family applies for housing provident fund loans for the first time and the second time, the maximum loan amount can be increased by 20%.
5. Reduce the remaining balance of employees buying houses. If it is necessary to apply for a housing provident fund loan after the purchase is withdrawn, the borrower and spouse shall maintain a deposit balance of not less than 6 times the current monthly deposit. The standard of retained balance is reduced from 12 times to 6 times, and parents and children do not need to retain it. Before the adjustment, I, spouse, parents and children should keep the deposit balance of 12 times the current monthly deposit.
6. Support parents and children to repay loans. Parents and children can withdraw housing provident fund to help borrowers repay personal housing loans. In addition to monthly withdrawal, you can also withdraw the balance of housing provident fund deposit that does not exceed the actual repayment amount. Before the adjustment, only the housing provident fund of borrowers and spouses was supported for repayment of loans.
Second, how to withdraw Taizhou provident fund?
Extraction steps: Click to enter the homepage of Zhejiang APP, search for "Provident Fund" in the search box above, and select "Provident Fund Extraction". According to the individual extraction conditions, choose the business to handle the project (taking "building, renovating, overhauling self-occupied housing to extract housing provident fund" as an example). Select the situation according to the requirements. Fill in the information and upload the materials according to the instructions. Fill in the withdrawal amount and the receiving bank.
Conditions for withdrawal of provident fund: purchase of self-occupied housing; Construction, renovation and overhaul of owner-occupied housing; Repay the principal and interest of the house purchase loan; Retirees; People who have settled abroad; A person who is dead or declared dead; People who enjoy the minimum living guarantee in cities and towns; Persons who completely or partially lose their ability to work and encounter other emergencies that cause serious difficulties in family life; Persons who have not been re-employed or whose family life has caused serious difficulties for five years after the termination of labor relations with the unit.
Three, Taizhou provident fund minimum payment standard
The deposit ratio of housing provident fund shall be implemented according to the standard of 12% for each unit and individual.
1. Calculation caliber of deposit base; The deposit base of employee housing provident fund is calculated according to the average monthly salary of employees in 20 16 years. The deposit base of housing provident fund of administrative organs and institutions is calculated and determined according to the wages, allowances and year-end assessment rewards (excluding car subsidies) approved by the personnel and financial departments at the same level; The deposit base of housing provident fund for enterprises and other organizations shall be determined according to the items included in the total wages as stipulated by the National Bureau of Statistics.
2. Provisions on the upper and lower limits of deposit base; According to the policy of "controlling the high and ensuring the low", the adjusted deposit base of housing provident fund shall not exceed 25,650 yuan at the highest and 1.660 yuan at the lowest (the minimum wage in Taizhou in 2065 is 438+0.660 yuan).