On the 6th, the Housing Provident Fund Management Center of Qinhuangdao City, Hebei Province released the detailed implementation rules of the municipal government's "Several Policies and Measures on Stabilizing the Economic Operation of Our City" on the official WeChat account. It shows that after the policy adjustment, the upper limit of single-payment employee loans is adjusted from 400,000 yuan to 600,000 yuan, and the upper limit of double-payment employee family loans is adjusted from 600,000 yuan to 800,000 yuan.

The implementation rules also show that if the depositor who has paid off the first individual housing provident fund loan applies for housing provident fund loan to buy self-occupied housing again, the minimum down payment ratio will be adjusted from not less than 60% to not less than 30%; When purchasing a stock house (second-hand house) and applying for a housing provident fund loan, the maximum period is adjusted from no more than 25 years to no more than 30 years, and the sum of the house age and the loan period is no more than 45 years.

In addition, if the depositor of Qinhuangdao City purchases the newly-built self-occupied housing in this city in full, the parents of both husband and wife can apply for withdrawing the housing provident fund to support their children to buy a house (only once).

The implementation rules also clarify that enterprises with difficulties in production and operation affected by the COVID-19 epidemic can apply to the Qinhuangdao Housing Provident Fund Management Center for holdover according to regulations. Upon approval, the enterprise can postpone the payment of housing provident fund before the end of the year, and then pay it back after the economic benefits improve. Employees of holdover enterprises can normally withdraw and apply for housing provident fund loans, which is not affected by holdover of enterprises.

Affected by the epidemic situation in COVID-19, families with difficulties in life can't repay their housing provident fund loans normally, so they can apply to Qinhuangdao Housing Provident Fund Management Center for deferred repayment in accordance with regulations. Upon examination, it is confirmed that the loan will not be overdue and will not be submitted to the credit reporting department as an overdue record.

The maximum amount of housing provident fund for families without housing to rent commercial housing has also increased. The main urban area of Qinhuangdao (the seaport area and the west of the development zone) has been adjusted from the original 1 10,000 yuan/year to10.2 million yuan/year, and other districts and counties have been adjusted from the original 8,000 yuan/year to 9,000 yuan/year. (End)