Accept the house and the loan. The "Opinions" adjusted the criteria for determining the object of provident fund loans from "recognizing loans but not houses" to "recognizing houses and recognizing loans". "House" refers to the house under the name of the employee's family (including husband and wife and minor children, the same below) registered in the real estate registration center (including Jiangyin and Yixing); "Loan" refers to the housing provident fund loan.
Reduce the loan amount, the maximum amount for individuals will be reduced from 500,000 to 300,000, and the maximum amount for families will be reduced from 800,000 to 600,000.
Prior to this, the provident fund policy implemented by Wuxi was announced in June 2065438+2008. At that time, the document stipulated that the borrower used the housing provident fund loan for the first time to purchase self-occupied housing, and the maximum loan amount was 500,000 yuan; The maximum loan amount for the borrower and spouse is 800,000 yuan.
Adjust the down payment ratio of provident fund loans. Buy the first self-occupied house in Wuxi and apply for provident fund loan, with the down payment ratio not less than 20% of the total house price; Buy a second set, the down payment ratio is not less than 40%; Buy self-occupied houses in Jiangyin and Yixing and apply for provident fund loans. The down payment ratio is not less than 20% of the total house price.
The loan amount is linked to the borrower's provident fund deposit period and balance. The shelf life is divided into three grades: less than 24 months, less than 36 months after 24 months, and more than 36 months. The corresponding loan amount is 5 times, 7 times and 10 times of the deposit balance respectively. If the borrower's spouse meets the conditions of provident fund loan and applies for a loan at the same time, the loan amount is the sum of the balance of the borrower's and his spouse's provident fund deposit multiplied by the corresponding multiple of their respective provident fund deposit years.
When calculating the deposit period of housing provident fund, the housing provident fund paid in full and on time can be accumulated, and the overdue housing provident fund is not included in the calculation range of the deposit period, but it can be included in the calculation when calculating the deposit balance.
The implementation of the loan amount is linked to the borrower's repayment ability. The monthly repayment amount calculated by the matching principal and interest repayment method shall not exceed 60% of the monthly income of the borrower and spouse, and the loan amount and loan term shall be determined. The definition of monthly income is calculated according to the deposit base of the provident fund in the last month before the loan applicant and his spouse apply for a loan.
At the same time, the Opinions improved the relief clause.
(1) The loan amount for low-income families to purchase affordable housing is not limited by the deposit period and deposit balance.
(2) If an employee's family purchases the first set of self-occupied housing with a construction area of 90 square meters or less, the loan amount may not be linked to the balance of its provident fund deposit. The deposit term is also divided into three grades: less than 24 months, less than 24 months and less than 36 months, and the corresponding loan amount is 50%, 70% and 65,438+000% of the maximum loan amount.
The determination of the loan amount of provident fund should meet four requirements at the same time, and take the lowest value of the limit standard.
(1) The total house price remaining after the down payment is deducted according to the specified proportion;
(2) the maximum loan limit for provident fund loans;
(3) the loan limit determined according to the deposit period and balance of the housing provident fund of the borrower and his spouse;
(4) the loan limit determined according to the repayment ability of the loan applicant and his spouse.
Opinions on further standardizing and perfecting the housing provident fund policy in our city
In order to thoroughly implement the spirit of the 19th National Congress of the Communist Party of China and adhere to the orientation of "houses are used for living, not for speculation", according to the Notice of the Ministry of Housing and Urban-Rural Development, the Ministry of Finance, the People's Bank of China and the Ministry of Public Security on Handling Illegal Withdrawal of Housing Provident Fund (Jian Jin [2018] No.46) and other related documents, it is required to focus on supporting employees to purchase the first set of ordinary housing and the second set of improved housing, and standardize the withdrawal of housing provident fund. Restrain investment in speculative house purchase, guard against the risk of housing provident fund funds, and ensure the long-term healthy operation of the housing provident fund system. Referring to the common practices of major cities in China, such as Beijing, Shanghai, Guangzhou, Nanjing and Chengdu, and combining with the actual situation of our city, we will standardize and adjust the current housing provident fund policies and implementation standards.
The first is to standardize the housing provident fund deposit and withdrawal policy.
1. If individual employees pay back the housing provident fund, the deposit unit of the provident fund should be consistent with the social insurance deposit unit, and the deposit base of the provident fund should be basically the same as the social insurance (pension) payment base. If there are obvious differences, employees should provide other relevant certification materials to the housing provident fund management center.
2. Employees who purchase self-occupied housing outside the administrative area of Wuxi City (including Jiangyin and Yixing) shall not apply for housing provident fund purchase withdrawal and repayment withdrawal at the location of the housing, the domicile of the non-property owner himself and his spouse, immediate family members or the place where the housing provident fund is deposited.
The immediate family members mentioned in this opinion include the parents, children and spouses of the property owner.
3. If the transaction happens again within 12 months after the provident fund purchases the same house, it is not allowed to purchase the provident fund again.
4. If a non-spouse and a non-lineal relative jointly purchase a house, only one of the property owner, spouse and their lineal relatives can handle the purchase and withdrawal of provident fund.
Two, adjust the standard of housing provident fund loans.
Housing provident fund loans are issued to paid workers' families who purchase the first set of self-occupied housing and the second set of self-occupied housing. Stop issuing housing provident fund loans to paid workers' families who buy third and above houses.
The "first set of self-occupied housing" as mentioned in this opinion refers to the self-occupied housing that has no housing provident fund loan record and no housing in this city.
The "second set of owner-occupied housing" as mentioned in this opinion refers to the owner-occupied housing purchased by the employee's family under the following three circumstances:
(1) There is only one housing provident fund loan record in the employee's family name, and there is no housing in this city;
(2) There is only one set of housing under the name of the employee's family, and there is no record of housing provident fund loan in this city;
(3) There is only one housing provident fund loan record in the name of the employee's family and only one house in this city, and the owner-occupied house purchased by this loan is the same house as the only house in this city.
The "employee families" mentioned in this opinion include loan applicants, spouses and their minor children.
Third, adjust the down payment ratio of housing provident fund loans.
Workers' families purchase the first set of self-occupied housing in the administrative area of Wuxi to apply for housing provident fund loans, and the down payment ratio is not less than 20% of the total housing price; Purchase a second set of self-occupied housing to apply for housing provident fund loans, and the down payment ratio shall not be less than 40% of the total housing price; Buy self-occupied houses in Jiangyin and Yixing and apply for housing provident fund loans. The down payment ratio is not less than 20% of the total housing price.
Four, adjust the current provisions of the provident fund loan amount
1. Adjust the maximum loan amount of the current provident fund loan.
When employees' families apply for provident fund loans, if the loan applicant meets the conditions of provident fund loans, the maximum loan amount will be adjusted to 300,000 yuan; If both the loan applicant and the spouse meet the conditions for provident fund loans, the maximum loan amount will be adjusted to 600,000 yuan.
2. The loan amount is linked to the borrower's provident fund deposit period and balance.
(1) If the employee has paid the housing provident fund in full and on time for less than 24 months, the loan amount shall be calculated as 5 times of the deposit balance;
(2) If the employee has paid the housing provident fund in full and on time for a total of 24 months but less than 36 months, the loan amount shall be calculated as 7 times of the deposit balance;
(3) If the employee has paid the housing provident fund in full and on time for 36 months, the loan amount shall be calculated as 10 times of the deposit balance.
If the borrower's spouse meets the conditions of provident fund loan and applies for a loan at the same time, the loan amount is the sum of the balance of the borrower's and his spouse's provident fund deposit multiplied by the corresponding multiple of their respective provident fund deposit years.
If the spouse of the loan applicant who meets the conditions of provident fund loan is an active serviceman, the loan amount will be relaxed to twice the loan amount of the aforementioned loan applicant.
3. The loan amount is linked to the borrower's repayment ability.
Strengthen the review of the repayment ability of loan applicants. Under the premise of ensuring the basic living expenses of employees' families, the monthly repayment amount calculated according to the loan amount and years (the principal and interest calculated by the equal principal and interest repayment method) shall not exceed 60% of the monthly income of loan applicants and their spouses. The monthly income is calculated according to the deposit base of the provident fund in the last month before the loan applicant and his spouse apply for a loan.
If the spouse of the loan applicant who meets the conditions of provident fund loan is an active soldier, the monthly income can be relaxed to 2 times of the deposit base of the loan applicant.
4. The loan amount of provident fund shall meet the following requirements at the same time, and take the lowest value among the following limit standards:
(1) The total house price remaining after the down payment is deducted according to the specified proportion;
(2) the maximum loan limit for provident fund loans;
(3) the loan limit determined according to the deposit period and balance of the housing provident fund of the borrower and his spouse;
(4) the loan limit determined according to the repayment ability of the loan applicant and his spouse.
5. The loan amount for low-income families to purchase affordable housing is not limited by the above fourth point.
(3), but it should still meet other loan limit standards.
6. If an employee's family purchases the first set of self-occupied housing with a construction area of less than 90 square meters (inclusive) and the deposit period of the housing provident fund of the loan applicant meets the following conditions, the loan amount may not be related to the deposit balance of the provident fund, but it shall still meet other loan limit standards.
(1) If the employee has paid the housing provident fund in full and on time for less than 24 months, the loan amount can be calculated as 50% of the maximum loan amount;
(2) If the employee has paid the housing provident fund in full and on time for 24 months but less than 36 months, the loan amount can be calculated according to 70% of the maximum loan amount;
(3) If the employee has paid the housing provident fund in full and on time for 36 months, the loan amount can be calculated according to the maximum loan amount.
If the borrower's spouse meets the conditions of provident fund loan and applies for a loan at the same time, the loan amount is the sum of the maximum loan amount of the borrower and his spouse's provident fund multiplied by the corresponding proportion of their respective provident fund deposit years.
V. This opinion shall come into force on June 20 1 910/day, and the Notice on Adjusting Housing Provident Fund Loan Policy (Xifangjin [2017] No.35) shall be abolished as of the date of implementation of this opinion. Where the original deposit, withdrawal and loan provisions are inconsistent with this opinion, this opinion shall prevail.
Legal basis:
"Regulations on the Management of Housing Provident Fund" Article 24 If an employee is under any of the following circumstances, he can withdraw the storage balance in the employee's housing provident fund account:
(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.