165438+1On October 30th, Xuancheng, Anhui Province issued a new regulation on provident fund, which aroused great concern.
Xuancheng, Anhui: You can't buy a house with provident fund within one year of divorce.
1On October 30th, Anhui Xuancheng Provident Fund Management Center 165438+ issued the Notice on Adjusting the Provisions on Loan and Withdrawal of Personal Housing Provident Fund, which adjusted the provisions on loan and withdrawal of Personal Housing Provident Fund in Xuancheng. These new policies have been implemented since February 4, 20 17. The specific adjustment content is:
First, the second application for housing provident fund loans by paid-in workers' families must be paid off for one year.
Two, no longer accept the depositor for housing property transactions between immediate family members and the provident fund withdrawal and loan application.
Three, no longer accept the depositor's application for the provident fund for the withdrawal and loan to buy a house within one year of divorce.
Four, no longer accept the city housing provident fund deposit workers housing provident fund loan applications.
We found that Xuancheng was not the only city that did this. Recently, a similar situation happened in Nanjing, Jiangsu Province.
Nanjing: Some banks can't lend money within three months of divorce.
Ms. Li, a citizen of Nanjing, said that she was preparing to buy a new house recently and was learning about the bank's loan policy. However, the local China Bank replied that she could not apply for a housing loan at the bank because of her recent divorce.
A person from the personal loan department of Nanjing Chengzhong Sub-branch of Jiangsu Branch of Bank of China said that at present, Bank of China refuses to lend money to the recent divorce, and it is impossible for Bank of China to handle it for at least three months after the divorce. If the property you want to buy has other cooperative banks, you can consult other banks.
According to verification, the two major banks in Nanjing have put forward the corresponding time limit for divorce lenders not to pass.
1. Bank of China: Comprehensive evaluation of the recent divorce of more than six months without loans and within one year of divorce;
2. Minsheng Bank: Stop lending within one year after divorce.
Coincidentally, in order to prevent the occurrence of "divorce to buy a house", in fact, in March this year, Beijing specifically introduced relevant policies.
Beijing: Buying a house within one year after divorce is implemented according to the second suite policy.
2065438+On March 24th, 2007, the Business Management Department of the People's Bank of China, the Beijing Supervision Bureau of the China Banking Regulatory Commission, the Beijing Municipal Commission of Housing and Urban-Rural Development and the Beijing Housing Provident Fund Management Center jointly issued the Notice on Strengthening the Risk Management of Beijing's Housing Credit Business, which made it clear that from now on, housing loans, commercial loans and provident fund loans within one year after divorce will all be regarded as second homes.
According to the regulations, if a resident family already owns 1 apartment in Beijing, and has no housing in this city but has a record of commercial housing loan or provident fund housing loan, the down payment ratio for purchasing ordinary self-occupied housing is not less than 60%, and the down payment ratio for purchasing non-ordinary self-occupied housing is not less than 80%.
At the same time, individual housing loans (including provident fund loans) with a loan period of 25 years (excluding 25 years) will be suspended.
Next, let's look at what provident fund policies have been introduced in other parts of the country.
Taiyuan, Shanxi: Loan to buy a house can "turn some businesses into public"
65438+February 1, Taiyuan added "partial repayment of commercial bank loans" business, that is, "partial business turned public".
As long as the loan bank signs a contract with the provident fund center, it can handle this business.
"Part of the business is transferred to the public" refers to the loan type that the borrower can apply to use the housing provident fund loan to partially repay the commercial loan when the personal loan amount of the housing provident fund is insufficient to fully settle the commercial personal housing loan (hereinafter referred to as "commercial loan"). Commercial loan customers of commercial banks that have signed cooperation agreements with Taiyuan Housing Provident Fund Management Center may apply for "transferring part of their business to public" business.
Chengdu, Sichuan: Simplify the business data of provident fund withdrawal.
165438+1October 2, Chengdu provident fund center simplified the handling data of housing provident fund withdrawal business from six aspects.
1. There is no need to withdraw the provident fund.
2. When the loan is repaid, the same house will no longer provide the purchase contract.
3. Reorganize the business audit materials in multiple projects.
4. Withdrawal of provident fund does not require proof of termination of labor relations.
5. Adjust the employee information that needs to be closed in the sealed account.
6, extraction of major diseases without proof of serious difficulties in life.
Hainan: Stop accepting renovation and withdrawal of provident fund.
Because the Opinions of Hainan Provincial People's Government on Promoting the Sustainable, Stable and Healthy Development of the Real Estate Industry (Fu Qiong [2008] No.74) has been abolished, the decoration extraction has been cancelled. Refurbishment and withdrawal of provident fund will be stopped from165438+1October 28th. This is another new regulation after June 5438+065438+1 October1Hainan Province suspended the transfer of personal commercial housing mortgage loans to housing provident fund loans.
Tianjin: new rules for the transfer of provident fund in different places
In order to meet the employment needs of employees who have paid the housing provident fund in different places, the new regulations propose that employees who are stably employed in Tianjin and pay the housing provident fund normally can transfer the housing provident fund paid in the original employment place to this city.
When employees apply for transfer from other places, they should open a housing provident fund account in this city for more than 6 months and pay the housing provident fund continuously for 6 months.
The employee can hold his/her ID card and joint housing provident fund card, and go to any management department under the Municipal Provident Fund Management Center to handle the transfer procedures of housing provident fund in different places.
(The above answers were published on 20 17- 12-07. Please refer to the actual situation for the current purchase policy. )
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