1. Anhui housing provident fund loan amount can reach 450,000 yuan and 550,000 yuan under different conditions, and the personal provident fund loan amount is 450,000 yuan; The amount of provident fund loans for both husband and wife is 550,000 yuan. The loan amount and interest rate of Anhui Housing Provident Fund 20 17 will be introduced in detail below. The operation method of provident fund withdrawal is as follows:
1. Preparation materials: I will bring the original and photocopy of my ID card and provide corresponding certification materials according to the regulations of different regions.
2. Seal of the company: the employee receives and fills in the application form at the company, and the company needs to sign and seal it.
3. Bring materials to the bank for formalities: employees bring corresponding materials and go through relevant formalities at the bank where the payroll card is opened.
4. Audit materials of management center: authenticity, legality and extraction conditions of audit materials of housing provident fund management center.
5. Provident fund withdrawal: go through the withdrawal procedures after confirmation. The money will be remitted to the personal savings account, and employees can withdraw it by themselves.
Second, the provident fund loan repayment process:
1. The borrower (and spouse) must apply for housing provident fund mortgage repayment on a monthly basis;
2. The sum of the balance of the borrower's and spouse's housing provident fund should be enough for one month's repayment in the process of monthly hedging repayment;
3. The borrower's housing provident fund loan is not overdue at present, including the overdue loan compensated by the guarantee company, and the borrower has also paid it off;
4. When applying for monthly mortgage repayment, the borrower shall promise to make up the difference in his bank repayment account in time when the available balance of his or her spouse's housing provident fund is insufficient to hedge repayment.
Three, provident fund extraction operation method is as follows:
1. Preparation materials: I will bring the original and photocopy of my ID card and provide corresponding certification materials according to the regulations of different regions.
2. Seal of the company: the employee receives and fills in the application form at the company, and the company needs to sign and seal it.
3. Bring materials to the bank for formalities: employees bring corresponding materials and go through relevant formalities at the bank where the payroll card is opened.
4. Audit materials of management center: authenticity, legality and extraction conditions of audit materials of housing provident fund management center.
5. Provident fund withdrawal: go through the withdrawal procedures after confirmation. The money will be remitted to the personal savings account, and employees can withdraw it by themselves.
Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
(six) the rent exceeds the prescribed proportion of family wage income.
In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.
If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.
Bengbu, Anhui: Families with many children can buy the first suite, with a maximum loan of 700,000 yuan from the provident fund.
6543810.2, this newspaper learned from the Housing Provident Fund Management Center of Bengbu City, Anhui Province, official website that recently, Bengbu City issued the Notice on Implementing the Support Policy for Families with Many Children to Use the Housing Provident Fund.
The "Notice" shows that in order to play the role of the housing provident fund policy, support the housing needs of families with many children, ease the economic pressure of paying employees to buy houses, and give support policies to families with many children to use the housing provident fund.
The New Deal stipulates that for families with many children who meet the personal housing loan policy of Bengbu housing provident fund, buy the first set of self-occupied housing and use housing provident fund loans, if one of the husband and wife pays the housing provident fund, it will increase the maximum amount of the current housing provident fund loans in Bengbu by 654.38+10,000 yuan; If both husband and wife pay the housing provident fund, they will increase 200,000 yuan on the basis of the current maximum amount of housing provident fund loans in Bengbu.
The relevant staff of Bengbu Housing Provident Fund Management Center said that the multi-child family supported by Bengbu housing provident fund policy refers to a family where a couple has two or more children. If a family with many children applies for a housing provident fund loan for the first time to buy a house in Bengbu and unilaterally pays the housing provident fund, the maximum loan amount is 400,000 yuan, and if both parties pay the housing provident fund, the maximum loan amount is 700,000 yuan. The specific loan amount is linked to the monthly deposit amount of housing provident fund and repayment ability.
At the same time, the New Deal also proposed that if a family with many children in Bengbu city rents a house without housing to withdraw the housing provident fund, the withdrawal limit will be determined at 20% according to the prescribed quota standard.
According to the relevant staff of the above-mentioned housing provident fund management center, the maximum annual withdrawal amount of housing provident fund for married employees without rental housing is 18000 yuan. According to the Circular, for families with many children and no rented housing, the maximum annual withdrawal amount of housing provident fund can reach 2 1600 yuan. When a family with many children applies for renting a house or supports the first loan policy, in addition to the application materials normally needed for business handling, it is also necessary to provide proof materials (birth medical certificate or household registration book) of the family with many children.
How to use housing provident fund loans
Provident fund loan process:
1. The loan applicant shall go to the loan handling department to conduct the preliminary examination of the provident fund loan with the materials required for the housing provident fund loan application.
2 in accordance with the provisions of the need for personal credit assessment of the loan applicant, the loan applicant shall sign the "credit assessment authorization" under the supervision of the staff of the loan handling department.
3. The staff of the loan processing department prints relevant documents and tells the loan applicant how to handle the next procedure.
4. If the house purchased by the loan applicant needs to be assessed according to the regulations, the staff of the loan handling department will also issue a notice of collateral assessment to the loan applicant, and the loan applicant or entrusted agent will apply for collateral assessment at the assessment agency designated by the Beijing Housing Provident Fund Management Center.
Xuancheng, Anhui: The maximum amount of unified provident fund loans is 500,000 yuan.
On May 23rd, Xuancheng Housing Provident Fund Management Committee of Anhui Province issued the Notice on Adjusting Housing Provident Fund Loan Policy. From May 23rd, Xuancheng unified the upper limit of the loan amount.
According to the New Deal, the maximum loan amount is adjusted to 500,000 yuan if Xuancheng housing provident fund is paid to employees' families to buy houses in Xuancheng and apply for provident fund loans. In line with the talent introduction policy, the maximum loan amount will be increased by 654.38 million yuan, and the upper limit will be 600,000 yuan; Those who meet the policy of purchasing green buildings will be raised by 20% on the basis of the maximum loan amount.
In addition, the time interval limit for the second loan is cancelled. Xuancheng housing provident fund deposit workers' families to settle the first housing provident fund loan, they can apply for housing provident fund loans to buy commercial housing again.
Prior to this, Xuancheng has increased the amount of housing provident fund loans for the introduction of talents.
On March 3rd this year, Xuancheng Housing Provident Fund Management Center of Anhui Province issued the Notice on Adjusting Housing Provident Fund Loan Policy. For imported talents who apply the "Eight Measures on Further Accelerating the Gathering of Talents and Promoting the High-quality Development of Key Industries", it is determined that the maximum amount of provident fund loans for the first time for their employees' families to purchase new commercial housing locally will be increased by 654.38+10,000 yuan on the existing basis. That is, the purchase of new commercial housing, Xuancheng urban provident fund loans do not exceed 500 thousand yuan, county (city) provident fund loans do not exceed 400 thousand yuan. The purchase of stock housing, provident fund loans do not exceed 400 thousand yuan.
In the implementation of the housing provident fund guarantee loan quota policy, the housing provident fund under the age of 45 is paid to the employees' families, and the guaranteed loan quota is 200,000 yuan if the housing is purchased by the provident fund loan for the first time.
Lu 'an, Anhui: The minimum loan amount for purchasing houses with provident fund loans has risen by 20%.
On June 4th, 65438, the website of the Housing and Urban-Rural Development Bureau of Lu 'an, Anhui Province published the Notice of the Housing and Urban-Rural Development Bureau of Lu 'an and other eight departments on printing and distributing some policies to further promote the stable and healthy development of the city's real estate market, and fully implemented the long-term real estate mechanism with 12 measures. The policies will be implemented from the date of printing and will be valid until June 65438+February 2023.
In supporting reasonable housing demand, the policy proposes to increase the minimum loan amount of housing provident fund. Workers who have paid the housing provident fund for six months normally buy new ordinary commercial housing in Lu 'an. When they apply for housing provident fund loans for the first time, the loan amount can be increased by 20% on the basis of the current minimum loan amount in Lu 'an, that is, the minimum loan amount for single employees to families is 360,000 yuan, and the minimum loan amount for dual employees to families is 480,000 yuan. If employees rent commercial housing, the annual withdrawal amount of each household will be raised to no more than 1.5 million yuan. When purchasing new commercial housing, the paid-in workers' families can apply for withdrawing the housing provident fund to pay the down payment. Housing provident fund loans will be "transferred with the mortgage". During the transaction, the housing provident fund will be paid to the detained property of employees, and the "mortgage-to-mortgage" business of housing provident fund loans can be handled without paying in advance.
Lu' an implements deed tax subsidies for "two children" and "three children" families to buy houses. During the period from 2023 1 October 1 February 20231,families with "two children" and "three children" have purchased newly-built commercial housing with a planned apartment size of 144 square meters or less. After handling the real estate license, the purchaser may, according to the actual situation. The purchase time of deed tax subsidy is subject to the commercial housing sales contract and the advance notice registration time, and the deadline for subsidy application is 65438+February 3, 20261.
Lu 'an requires all counties and districts to shorten the resettlement period in various ways. In principle, no new resettlement houses will be built, and resettlement can be carried out by purchasing new commercial houses, monetizing compensation and issuing purchase vouchers. Those who choose to buy vouchers for resettlement can be given certain rewards.
Lu 'an proposed to actively guide non-public enterprises, new citizens and other groups to pay housing provident fund. 1. If the employees of non-public enterprises have participated in social insurance and paid the housing accumulation fund for six months, the cities and counties will give the employees of non-public enterprises a subsidy of 1200 yuan (100 yuan/person/month) per person per year, or 100 yuan per person per month for less than one year. 2. Cancel the restriction that individual industrial and commercial households, migrant workers and other flexible employees must pay social insurance for more than 1 year in this city's social security institutions.
In the implementation of enterprise assistance measures, the policy proposes to adjust the payment method of land transfer fees. The minimum proportion of the land bid bond is reduced to 20% of the initial land price, and 50% of the land transfer price is paid within 1 month after the transaction, and the remaining price is paid within 6 months after the transaction. If it is really necessary for a real estate development enterprise to postpone the payment of supporting fees for urban infrastructure due to special circumstances, it may submit a written application, which shall be handled in accordance with the statutory examination and approval authority and time limit after being audited by the collecting unit and the non-tax revenue management institution, and the longest holdover period shall not exceed 6 months.
In terms of improving financial services in the real estate market, the policy encourages bank guarantees to replace pre-sale supervision funds. Encourage commercial banks to issue letters of guarantee to some high-quality housing enterprises to replace the funds within the supervision limit of the pre-sale fund supervision account established according to law and compliance. The replacement amount of the letter of guarantee shall not exceed 30% of the funds needed to ensure the completion and delivery of the project in the supervision account, and the replaced supervision funds shall not be less than 70% of the funds needed to ensure the completion and delivery of the project in the supervision account. After receiving the bank guarantee, the housing construction department will handle it efficiently and issue the corresponding amount of supervision funds in time.
Financial institutions should implement the Notice on Doing a Good Job in Financial Support for the Stable and Healthy Development of the Real Estate Market (hereinafter referred to as "Article 16 of Finance") jointly issued by the People's Bank of China and the Insurance Regulatory Commission of the Bank of China, especially in accordance with the principles of marketization and legalization, to provide supporting financing support for the special loan support project of "Baojiaolou". People's Bank of China, China Banking and Insurance Regulatory Commission, local financial supervision and other departments should incorporate the implementation of Article 16 financial policies into the annual assessment of financial institutions.
Anhui province provident fund loan interest rate 2022 latest interest rate
Anhui province provident fund loan interest rate 2022 latest interest rate 2.6%. From June 65438+1 October1day, 2022, the interest rate of the first individual housing provident fund loan was lowered by 0. 15 percentage point, and the interest rates for less than five years (including five years) and more than five years were adjusted to 2.6% and 3. 1% respectively.
This is the introduction of Anhui provident fund loans and the end of the amount of provident fund loans. I wonder if you have found the information you need?