The construction area of the purchased house does not exceed 80 square meters;
Belonging to urban low-income families approved by the civil affairs department;
During the repayment of the principal and interest of the housing provident fund loan, there has been no unpaid behavior for 3 consecutive months or 6 cumulative months;
When applying for loan discount, the borrower or spouse has continuously paid the housing provident fund normally for more than 6 months, except that the borrower has terminated the labor contract with the original work unit and has not been re-employed, or has reached the statutory retirement age and gone through retirement procedures.
The maximum discount is 2200 yuan per year.
It is understood that low-income families buy self-occupied housing of less than 60 square meters (including 60 square meters), and the discount amount of housing provident fund loans is approved according to 80% of the borrower's interest expenditure on housing provident fund loans in the previous year; The discount amount of other borrowers is approved according to 50% of the borrower's interest expenditure on housing provident fund loans in the previous year. The annual preferential amount is up to 2200 yuan, and if it exceeds 2200 yuan, it will be paid by 2200 yuan.
Unpaid provident fund will lose the opportunity to discount interest.
The housing accumulation fund system is an important social security system for housing stipulated by national laws, which is mandatory, mutually supportive and guaranteed. Units and individual employees must fulfill their obligations to pay housing provident fund according to law.
Reportedly, the housing provident fund consists of two parts: one part is the part paid by individual employees, and the other part is the part paid by the unit for employees (the housing subsidy given to employees by the unit according to the policy). Both parts are owned by individual employees and all of them are remitted to the employee's personal housing provident fund account.
It is the obligation of the unit to pay housing provident fund for employees, and it is the right of employees to ask the unit to pay housing provident fund for themselves. Those who fail to pay the housing provident fund will lose the qualification to purchase affordable housing by using the provident fund loan discount.