What are the housing provident fund loan policies

1, the restoration of provident fund loans in different places

Hefei Housing Provident Fund Management Center issued a notice to restore the housing provident fund loan business in Hefei City, eligible for housing provident fund deposited workers outside the province with reference to the "Hefei City, Housing Provident Fund Provincial Loan Implementation Rules (for trial implementation)".

2, increase the amount of provident fund loans

Zhengzhou Housing Provident Fund Management Center adjusted part of the rental extraction and purchase loan policy, the purchase of the family's first home, the first time the use of housing provident fund loans, husband and wife meet the loan conditions, the maximum loan amount of 1 million yuan. Only the buyer to meet the loan conditions, the family's second use of housing provident fund loans, the purchase of the family's second improved housing, the maximum loan amount of 800,000 yuan. Continuous normal deposit for more than 6 months can apply for housing provident fund loans, the loan amount is no longer combined with the balance of the family's deposit account to determine.

If you are renting a public rental housing, talent apartment, guaranteed rental housing or other rental housing in the city, you can withdraw your housing provident fund several times during the year, with an annual withdrawal amount of 18,000 yuan for single-contributing families and 36,000 yuan for double-contributing families.

3, commercial to public loans

Shanxi Province, Xianyang City Housing Provident Fund Management Center completed the first "commercial to public" loan real estate registration. The difference in interest rates between commercial and public fund loans is relatively large, and the development of the 'commercial to public' business will effectively reduce the pressure on housing fund depositors to repay their loans, and effectively play the role of the public fund in housing security. Some cities have a large disposable size of provident fund, and revitalizing the stock of provident fund through 'business to public' will help home buyers reduce the pressure of loan repayment.

What are the conditions required for a CPF loan

1, only employees who have participated in the CPF system are eligible to apply for CPF, while those who have not participated in the CPF system are not allowed to apply for CPF loans.

2, participate in the housing fund system in order to apply for housing fund personal home purchase loans also need to meet these conditions: before applying for the need for continuous payment of housing fund time greater than or equal to 6 months.

3, if a spouse has applied for a housing fund loan, in the case of the loan principal and interest is not paid off before, both spouses are not able to get a housing fund loan.