The policies of provident fund loans and provident fund withdrawal in our city have been adjusted, so it will be more convenient for employees to use provident fund when buying houses in the future.
According to reports, after the adjustment of the city's provident fund policy, the maximum amount of provident fund loans in the city is unified to 400,000 yuan, and the longest loan period is also unified to 30 years; Employees who apply for housing provident fund loans can also apply for housing provident fund withdrawal;
If the employee's family deposits the employee to purchase the first ordinary self-occupied house (the housing area is below140m2), the loan amount shall not exceed 80% of the total price of the purchased house, and the minimum down payment ratio of the second home loan shall be adjusted to 30%;
Workers and their immediate family members who have paid the provident fund in Xiaogan urban area (including municipalities directly under the central government, counties and cities) can apply for loans and withdrawals at the place where the housing provident fund is paid if they buy a house outside Xiaogan urban area;
Workers themselves and their spouses can withdraw housing provident fund once a year to repay the principal and interest of self-occupied housing commercial loans or housing provident fund loans (including off-site);
Employees can withdraw the housing provident fund to pay the down payment of the purchased house with the letter of intent and deposit certificate;
Workers can withdraw housing provident fund to pay rent;
Workers themselves or their immediate family members suffer from major diseases, and they can withdraw their own housing provident fund.
It is understood that after the adjustment of some policies on the withdrawal of housing provident fund loans, the convenience for employees to use housing provident fund has been improved, and the dream of buying houses in different places has been realized. Immediate family members can provide housing provident fund support to improve the utilization rate of housing provident fund. More employees can realize their long-standing dream of buying houses by applying for housing provident fund.