1. Loan limit The housing provident fund loan limit in Gansu Province has been increased from the original 500,000 yuan to 600,000 yuan, among which the housing provident fund loan limit for single employees has been increased from 400,000 yuan to 500,000 yuan.
2. Down payment ratio The down payment ratio of housing provident fund loans in Gansu Province has been reduced from the original 30% to 20%.
3. Payment time: Employees who have paid housing provident fund in a regular, continuous and full amount for six months or more can apply for a housing provident fund loan.
4. Loans from other places. Employees with housing provident fund deposits in Gansu Province who purchase houses in other places, or employees with deposits from other housing provident fund management centers who purchase houses in Lanzhou City, can apply for housing provident fund loans from the provincial center.
5. Business-to-public transfer. Provincial central housing provident fund depositing employees who have applied for commercial bank housing loans and obtained the "House Ownership Certificate" can be converted into housing provident fund loans.
6. Shorten the processing time and shorten the processing time limit. The processing time limit for housing provident fund mortgage-guaranteed loans is shortened from the original 16 working days from the date of formal and complete submission of documents by the borrower to 10 working days; home purchase guarantee The loan will be disbursed within 3 working days from the date of formal and complete submission of documents by the borrower.
7. Provincial central housing provident fund depositing employees who have withdrawn provident funds to rent a house and have paid and deposited the housing provident fund in full for six months or more in a normal, continuous and full manner, and who or their spouses do not have their own houses in Lanzhou City, can rent a house. Provident funds can be withdrawn when living in public rental housing or other housing. Among them, if you rent a public house, you can withdraw the housing provident fund of the employee and your spouse every year, and the withdrawal amount is the actual rental fee that needs to be paid that year; if you rent other housing in Lanzhou City, you can withdraw the housing provident fund every year. The withdrawal amount is the amount of housing provident fund payable by the employee and his or her spouse for the current year.
8. Provincial central housing provident funds that have withdrawn housing provident funds to pay property fees normally, continuously, and paid in full for three months or more, and have not withdrawn housing provident funds in other forms or applied for housing provident fund loans. Employees who contribute can withdraw housing provident funds for housing consumption (including property management, water, electricity, heating, etc. expenses) every year with the "House Ownership Certificate" of the employee or his or her spouse. The cumulative withdrawal amount for the year shall not exceed 50% of the employee's and his spouse's housing provident fund deposits for the year respectively.
Conditions for Withdrawal of Housing Provident Fund in Gansu There are restrictions on the withdrawal of housing provident fund. According to relevant regulations, the following conditions should be met: (1) The unit where the employee works and the employee himself pay the housing provident fund in full every month (2) Meet the requirements Article 24 of the "Housing Provident Fund Management Regulations" stipulates: 1. Purchasing, constructing, renovating or overhauling self-occupied housing; "purchase" refers to the employee buying the house and having ownership of the purchased house. The house can be publicly owned. Housing, commercial housing, affordable housing and second-hand housing, etc. "Construction" refers to the construction of housing by urban residents with the approval of real estate management agencies, urban planning management agencies and other departments; "renovation" refers to the complete demolition of the housing, new design, and re-construction of the housing; "Major repair" refers to the need to involve or replace the housing Some of the main components, but not all of the housing, need to be demolished. 2. The employee retires or retires 3. The employee completely loses the ability to work and terminates the labor relationship with the unit 4. The employee leaves the country to settle down 5. The employee repays the principal and interest of the house purchase loan 6. The rent exceeds the prescribed proportion of the family wage income 7. The employee dies or is laid off The general procedures for withdrawing housing provident funds for employees who are declared dead are as follows: (1) First submit an application to the unit. After the unit reviews the relevant certificates submitted by the individual, if the withdrawal conditions are met, the unit fills in the approval form for individual withdrawal of housing provident funds and stamps a reservation. Seal. (2) The unit manager or individual employee shall bring the provident fund individual withdrawal approval form together with the originals and copies of relevant certification materials to the provident fund center that establishes the housing provident fund account for the unit (hereinafter referred to as the provident fund center where the account is opened) for review and approval. After the provident fund center completes the approval and entry business, it will stamp the provident fund individual withdrawal approval form filled out by the unit with a special seal for provident fund approval.
(3) The unit manager or individual employee should go to the provident fund center where the account is opened to handle the transfer business with the provident fund individual withdrawal approval form that has been approved by the provident fund center and the "Housing Provident Fund Management Center Transfer Voucher" filled out and signed by the unit. The housing provident fund applied for withdrawal is transferred to the basic settlement account of the unit, and the unit withdraws it and pays it to the employee.