You have to understand that it doesn't mean how much money you can withdraw from the provident fund, but how much money you can withdraw from your provident fund account. If you apply for a provident fund loan, the loan period is the number of years you can withdraw the provident fund. Both people can withdraw, and each person can withdraw twice the amount of the provident fund paid in the previous year. If you don't take out a loan, you can use your savings to buy a house at one time. Then you can only mention that when you and your spouse buy a house, the balance in their provident fund account is double, and the provident fund deducted after buying a house can't be mentioned again. If you want to mention it, you can only find an excuse that the house needs to be renovated in a few years before you can mention the provident fund.
2. Shaoxing: Increase the maximum amount of housing provident fund loans to 6,543,800 yuan.
65438+1October 1 1 According to the ten measures of Shaoxing Housing Provident Fund Management Committee in Zhejiang Province to promote common prosperity.
The New Deal shows that the maximum amount of housing provident fund loans will be raised. Support the payment of workers' rigid and improved housing needs, and further increase the maximum amount of loans for single-employee families in the city's housing public areas and Zhuji City from 600,000 yuan to 700,000 yuan, and increase the maximum amount of loans for dual-employee families from 800,000 yuan to 6.5438+0 million yuan; The maximum amount of loans for single-employee families in Shengzhou City and Xinchang County was raised from 350,000 yuan to 500,000 yuan, and the maximum amount of loans for dual-employee families was raised from 600,000 yuan to 800,000 yuan.
At the same time, the minimum amount of housing provident fund loans will also increase. The guarantee amount of the city's housing provident fund loan is uniformly adjusted to not less than 300,000 yuan, which will make the provident fund loan policy more dividend.
In terms of supporting the first set of housing provident fund loans for newly employed college students, the first set of housing provident fund loans will be given to college graduates or above who have settled or worked in Shaoxing within three years after graduation and purchased self-purchased parts throughout the city.
The New Deal also proposed to improve the two-child policy. The loan amount for families with two or three children who meet the housing provident fund loan conditions shall not exceed the maximum amount 12.
According to the regulations, the supporting policies concerning the floating loan amount do not overlap.
We will increase the support for rental housing in terms of improving the standards for employees to rent housing and withdraw housing provident fund. If there is no owner-occupied house in the deposit place and the house is rented for self-occupation, the withdrawal amount of housing provident fund will be increased to no more than 1500 yuan/month/person, and employees can flexibly choose the withdrawal time on the principle of once a year.
The New Deal also proposed to support rural self-built housing provident fund loans. If the paid employees meet the conditions of housing provident fund loans, they can apply for rural self-built housing loans within the city with legal examination and approval procedures, but they need third-party guarantees or other commercial housing as collateral.
In addition, support housing provident fund loans "with the mortgage". Actively explore the coordination of second-hand housing transactions with mortgage households, and promote the "mortgage with mortgage" business of second-hand housing transactions in an orderly manner, effectively reducing
In terms of optimizing the business rules of monthly hedging repayment, if the deposit employee (main lender) has applied for monthly hedging repayment (co-borrower) cannot apply for hedging repayment, the actual repayment amount after deducting the hedging amount is allowed to be withdrawn at the window counter on an annual basis.
3. Jiangyan, Jiangsu: The loan amount of housing provident fund for dual employees is raised to 500,000 yuan.
On April 18, according to the official micro-signal of Jiangyan, Jiangsu Province, in order to promote the stable and healthy development of the real estate market and better meet the reasonable housing needs of buyers, the maximum amount of housing provident fund loans for dual employees in Jiangyan District, Taizhou City, Jiangsu Province was adjusted from 400,000 yuan to 500,000 yuan, and the maximum amount of housing provident fund loans for single employees was adjusted from 250,000 yuan to 300,000 yuan.
According to the New Deal, housing provident fund loans accepted before April 19, 2022 are still implemented according to the original policy.
According to incomplete statistics of The Paper, since April alone, Gansu Province, Lishui City, Zhejiang Province, Taizhou City, Zhejiang Province, Kunming City, Fujian Province, Jingmen City, Yunnan Province, Tianjin City, Hubei Province, ziyang City, Sichuan Province and other places have successively introduced new provident fund policies, including reducing the down payment ratio, increasing the loan amount, and allowing parents to withdraw the provident fund to support their children to buy houses.
Judging from the regulatory policies since this year, according to the statistics of Zhuge Housing Search Data Research Center, up to now, more than 70 cities have introduced policies to loosen the property market, involving relaxing restrictions on purchases, sales, reducing the down payment ratio, lowering mortgage interest rates, and preferential provident fund loans.
For the trend of real estate in the next stage, Fu Huiling, spokesperson of the National Bureau of Statistics and director of the National Economic Statistics Department, pointed out at the press conference on the operation of the national economy in the first quarter of 2022 that although the current real estate sales are declining, we must also see that with the moderate liberalization of restrictions on purchases and sales, lowering the threshold for the use of provident funds, and speeding up the approval of housing loans, the housing demand in some cities has been released, and the decline in sales area has narrowed.
In the next stage, all localities will adhere to the principle of "housing without speculation", continue to stabilize land prices, housing prices and expectations, improve the long-term mechanism of the real estate market, and actively meet reasonable housing demand, so that the downward trend of commercial housing sales in the country may be alleviated. With the continuous improvement of the long-term rental market and the acceleration of the construction of affordable housing, the real estate market is expected to gradually stabilize.