Guangzhou

On October 11, 2014, the Guangzhou Municipal Housing Provident Fund Management Committee reviewed and approved in principle a revised opinion on the Guangzhou Housing Provident Fund Loan Implementation Measures, requiring the suspension of employee Use provident fund loan for the second time. Currently, this new policy has been submitted to the Guangzhou Municipal Government and is awaiting final approval. Some media pointed out that the Guangzhou version of the new provident fund policy not only conflicts with the notice jointly issued by the three central ministries and commissions in terms of the number of loans, but also sets higher thresholds in terms of the continuous payment period required for loans and mutual recognition in different places.

Jiangsu

On October 28, 2014, the Wuxi Housing Provident Fund Management Center issued the "Notice on Cancellation of Housing Provident Fund Loan Guarantee Fees", announcing that from October 28, 2014 , Wuxi City officially canceled the collection of provident fund loan guarantee fees.

Beijing

The housing provident fund will give priority to meeting the loan needs for purchasing the first self-occupied house on the premise of ensuring that employees can withdraw the deposits. For borrowers who purchase policy housing or their first self-occupied housing with a floor area of ??less than 90 square meters (inclusive), the maximum loan amount is adjusted to 1.2 million yuan, and purchase non-policy housing with a floor area of ??more than 90 square meters. For a second home, the maximum loan limit is still 800,000 yuan.

The loan limit will no longer increase based on personal credit rating.

For employees who have paid housing provident funds in other places, but whose deposits in Beijing are less than the specified payment time, the payment time can be calculated based on the payment certificate issued by the housing provident fund management center of the original place of payment.

Beijing registered employees who have paid housing provident funds in other places and purchased their first self-occupied house in Beijing can apply for a loan from the Beijing Housing Provident Fund Management Center with a payment certificate issued by the Housing Provident Fund Management Center in the place of employment. .

Cancel the assessment of new commercial housing.

Since June 1, 2015, in Beijing, the minimum down payment ratio for provident fund loans for first homes is 20. The maximum loan amount is 1.2 million yuan; for those who have paid off the provident fund loan for the first house to purchase a second house, the minimum down payment ratio is 30, and the maximum loan amount is 800,000 yuan.

Zhejiang

The Zhejiang Provincial Housing Provident Fund Center decided to adjust policies on provident fund loans, rental withdrawals and other policies starting from April 4, 2015.

In terms of loan policy, the loan application conditions are relaxed, and the housing provident fund has been continuously paid in full for more than 12 months to more than 6 months (inclusive); the maximum loan limit is increased, and employees and spouses*** are eligible for the same. For those who apply for a loan, the maximum amount will be increased from 800,000 yuan to 1 million yuan; the down payment ratio of the loan will be reduced. The minimum down payment ratio for the first ordinary self-owned house is 20. For those who own a house and have paid off the corresponding provident fund loan, they can apply for the housing provident fund again. If you buy a house with a loan, the minimum down payment ratio is 30. At the same time, it was decided to implement a deposit-loan linkage mechanism from November 1, 2015. The personal loan limit of employees will be calculated and determined based on 15 times the average monthly balance of the housing provident fund account. Among them, the average monthly balance of the employee's housing provident fund account is the average monthly balance of the housing provident fund account in the past 12 months when the depositing employee applied for a loan. If it is less than 12 months, it will be calculated based on the actual number of months.

In terms of rental withdrawal policies, adjust and simplify the housing provident fund rental withdrawal policy. If an employee has paid the housing provident fund normally for 3 consecutive months, and he or his spouse does not own a house with property rights in the place where the housing provident fund is deposited and rents a house, the employee shall be entitled to a monthly payment of 500 per person based on the proof that he and his spouse do not own a house in the place where the housing provident fund is deposited. Yuan limit can be used to withdraw the housing provident fund personal account balance once a year.

Shanghai

On April 9, 2015, the Shanghai Provident Fund Management Center issued a notice stating that the city will adjust the upper limit of housing provident fund loans and the period of second-hand housing loans. The new policy will be effective from April 2015. It will be implemented on the 15th of March.

To purchase the first self-occupied house, the maximum personal loan limit is adjusted from 300,000 yuan to 500,000 yuan, and the maximum household loan limit is adjusted from 600,000 yuan to 1 million yuan. For those who pay supplementary provident fund, the maximum personal loan limit is adjusted The loan limit is increased by 100,000 yuan on the basis of 500,000 yuan, and the maximum household loan limit is increased by 200,000 yuan on the basis of 1 million yuan.

When purchasing an improved second ordinary commercial house, the policy for purchasing the first house shall be followed. The second part of the new policy is about the adjustment of the provident fund mortgage loan period for second-hand housing.

Originally, the maximum loan period for second-hand houses over 5 years old was only 15 years. Now, for provident fund mortgage loans for second-hand houses aged 6 to 19 years, the maximum loan period has been adjusted from no more than 15 years to The difference between 35 years and the age of the house.

The Municipal Provident Fund Center also announced that it would relax the conditions for withdrawing provident funds to pay rent in the city.

It is stipulated that if an employee has made continuous deposits for three months, and he or his spouse does not own a house in the city and rents a house, the couple can withdraw the housing provident fund to pay the rent, and the rent-to-income ratio will no longer be set. limit. It is stipulated that if employees rent public rental housing, they shall withdraw the full amount based on the actual rent expenditure. For those renting other housing, the monthly withdrawal amount of each household shall not exceed the actual rent expenditure of the month. The maximum monthly withdrawal limit is tentatively set at 2,000 yuan per month. This rental policy will be implemented from May 1st.

Shenzhen

On the morning of April 15, 2015, the Shenzhen Provident Fund Management Center issued a notice that from now on (April 15), the loan limit for employee housing provident fund loans will be The original account balance was increased from 12 times to 14 times. This adjustment also applies to business-to-business transactions. Except for the multiple adjustment, other loan conditions remain unchanged, with the maximum amount of 900,000 for families and 500,000 for individuals unchanged. Taking the provident fund account balance of 30,000 yuan as an example, according to the previous 12 times requirement, a loan of 360,000 yuan can be obtained, but now it is adjusted to 14 times, a loan of 420,000 yuan can be obtained.