In order to better protect the demand for housing funds paid by employees' provident fund and help the real estate market run smoothly, the following seven housing provident fund management policies have been optimized and adjusted by the Municipal Provident Fund Management Committee and reported to the Provincial Housing and Construction Department for approval:

First, increase the loan amount.

The upper limit of the loan amount was increased by 654.38 million yuan, and the maximum loan amount was increased to 600,000 yuan. The policy is valid until 65438+February 3, 20231.

Second, reduce the down payment ratio of loans.

1. Reduce the minimum down payment ratio of the first suite from the current 30% to 20%.

2. The influence of the cancelled purchase area (144m2) and the construction period of the stock house (10 year) on the down payment ratio.

Implement a unified standard: the down payment ratio of the first suite is not less than 20%, and the down payment ratio of the second suite is not less than 30%.

Three, cancel the provisions of the frozen account balance.

Cancel the stipulation of freezing employee account balance: employees are no longer required to keep account balance when applying for housing provident fund loans; The remaining balance in the employee's account that has obtained the loan can be used to hedge the principal of the provident fund or to withdraw the loan to repay the commercial housing. The existing multi-storey residence is equipped with elevators.

Four, adjust the loan principal and interest extraction policy.

The current policy that "if there are outstanding provident fund loans, the balance of provident fund in employees' and their spouses' accounts can only be used to offset the principal and interest of loans" is adjusted to "if there are outstanding provident fund loans and the repayment is normal, employees and their spouses can withdraw the balance of provident fund accounts to hedge the principal of provident fund loans or withdraw commercial housing loans and install elevators in existing multi-storey houses". If the principal and interest of commercial housing loans are withdrawn, the accumulated withdrawal amount of the employee, spouse and borrower (borrower) shall not exceed the loan principal and interest repaid by the borrower.

Five, extend the housing provident fund loan period

The current provident fund loan period does not exceed 30 years, and the remaining years of the borrower from the statutory retirement age are adjusted as follows: the provident fund loan period does not exceed 30 years, and the loan maturity date does not exceed 5 years after the borrower's statutory retirement time.

Sixth, cancel the policy of extracting serious illness.

The current policy of serious illness extraction in our city is beyond the scope of housing provident fund extraction stipulated in the State Council's Regulations on Housing Provident Fund Management and the Housing Provident Fund Extraction Business Standard of the Ministry of Housing and Urban-Rural Development. According to the "Notice of the Provincial Department of Housing and Urban-Rural Development on Self-examination and Self-correction of Housing Provident Fund Policy Adjustment", the withdrawal policy is cancelled.

Seven, adjust the family extraction policy.

The current family relationship withdrawal policy in our city is that employees and their spouses, parents and children (referred to as family members) can withdraw their housing provident fund at one time within 1 year after obtaining valid purchase vouchers (borrowers and spouses who have used housing provident fund loans among family members cannot withdraw), and family members other than spouses cannot apply for housing provident fund loans after withdrawal according to this policy. Adjusted to: "When a purchaser purchases the first self-occupied house, he can withdraw the housing provident fund of the purchaser's parents and children in one lump sum within 1 year after obtaining a valid purchase certificate (the borrower and spouse who have used the housing provident fund loan among the parents and children cannot withdraw it), and parents and children cannot apply for housing provident fund loans after withdrawing this house according to this policy".

This policy adjustment will be implemented from June 65438+ 10/day, 2023.