Legal analysis: 1. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans. 2. To participate in the housing provident fund system, if you want to apply for a housing provident fund personal purchase loan, you must also meet the following conditions: that is, the housing provident fund has been continuously paid for at least 6 months before applying for the loan. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing loans. 3. One of the husband and wife has applied for a housing provident fund loan, and neither of them can get a housing provident fund loan until the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families. 4. When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and repayment ability, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund. 5. The term of the provident fund loan shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.
Legal basis: Article 26 of the Regulations on the Management of Housing Provident Fund, employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.
The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.
The risk of housing provident fund loans shall be borne by the housing provident fund management center.
From June 6th, Chengdu dual-employee family provident fund loans can be applied for up to 700,000 yuan.
Chengdu Housing Provident Fund Management Center announced in May 18 that the policies of Chengdu Provident Fund will be adjusted from June 6. The New Deal includes a number of important contents. For example, the maximum period of personal provident fund loans is increased from 20 years to 30 years, and eligible housing provident fund loans can apply for a maximum of 700,000 yuan.
Why is the maximum limit for single-employee families only 400,000? Why should we stop "guaranteed loans"? Can I apply for provident fund loans before the implementation of the New Deal? On 25th, Wang Xuemei, member and secretary of the Party Committee of Chengdu Housing Provident Fund Management Center, together with the business backbone of Chengdu Housing Provident Fund Management Center, interpreted the new provident fund loan policy.
Why is the loan amount different? A single employee family can borrow up to 400,000 yuan, and the deposit obligation is equal to the loan right.
Among the many adjustments announced in May 18, the most important one is the adjustment of the amount of provident fund loans. Among them, the longest term of individual provident fund loans has been increased from 20 years to 30 years, and eligible housing provident fund loans can apply for a maximum of 700,000 yuan.
However, it is worth noting that in terms of loan amount, not all property buyers can enjoy a loan amount of up to 700,000 yuan. The New Deal changed the undifferentiated maximum loan amount of 600,000 yuan into differentiated loans, that is, the single maximum loan amount for families with two or more employees is 700,000 yuan, and the single maximum loan amount for families with one employee is 400,000 yuan.
"We have also noticed that since the announcement of the New Deal, many citizens have been very concerned about this regulation." The relevant person in charge of the Chengdu Housing Provident Fund Management Center told the reporter of Huaxi Dushi Bao that the adjustment was mainly based on the principle of equality between the obligation to pay the provident fund and the right to loan. "Many families with more than two people fulfill their payment obligations, and only 1 single-employee families fulfill their payment obligations. Giving the same loan rights is to subsidize single employees with the rights of dual employees, which is unfair. "
In addition, statistics show that the improved demand of families with more than two people in Chengdu has been rising continuously in recent years, and the loan amount of 600,000 yuan is slightly insufficient, so it is necessary to adjust the loan ceiling to 700,000 yuan. At the same time, single employees basically just need to buy a house, accounting for about 30% of the total group of provident fund loans, and the loan amount is generally below 400 thousand. "From the point of view of the number of households, the proportion of loans of more than 400,000 for a single employee is only 8.62%, and from the point of view of the amount, it is only 12.39%. For the vast majority of single employees, the quota of 600,000 does not give full play to the efficiency of provident fund loans. " Provident fund management center explained.
Why do you want to cancel the "guaranteed loan"? Restrict the interests of "repaying the loan first, and then stopping paying after the loan is finished"
Another major adjustment of the New Deal is the cancellation of "guaranteed loans". Adjust the linked multiple of loan funds and deposit balance from 30 times to 20 times, that is to say, the account balance multiplied by 20 times is the amount you can borrow. At the same time, the policy of "the loan applicant whose deposit balance is below 654.38+0,000 yuan can borrow 300,000 yuan, which is not limited by the balance-linked multiple" is cancelled.
"The policy seems to be unfavorable to some people, but it is actually the return of the principles of efficiency, fairness and safety of the provident fund system." The relevant person in charge of the Chengdu Housing Provident Fund Management Center explained that the housing provident fund is first of all mutual assistance, and then protection. That is, there are mutual deposits and secured loans, not pure one-way guarantees. The previous 30% discount linked and secured loans did not take into account the full performance of the deposit obligation, but amplified the enjoyment of rights, and even led to the phenomenon of "paying the loan first, then paying the loan".
In fact, the negative impact of 30 times linkage and "guaranteed loan" in the past two years has been highlighted. According to the loan data of Chengdu Provident Fund, since April 22nd, 20 15, the balance of employees who have paid into Chengdu Provident Fund is less than RMB 10000, and the secured loan is RMB 300,000, resulting in an increase of about RMB 2.5 billion in the central loan of Chengdu. The linked multiple of deposit balance was increased from 20 times to 30 times, and the new loan was about 654.38+25 million yuan. This is not only unfair to other paid employees, but also puts great pressure on the "fund pool" to continuously and steadily supply loans and withdraw funds.
"According to our calculation, based on the statistical analysis of the loan data issued by Chengdu Provident Fund in 20 15 years, according to the calculation of 400,000 yuan per capita for provident fund loans, canceling the guaranteed loan can benefit about 9,375 paid employees more than the previous policy, so that more employees who just need it can enjoy the advantages of the provident fund system and protect the interests of more self-occupied families." The above-mentioned person in charge said that therefore, canceling the guaranteed loan, reducing the loan-linked multiple, and linking the deposit obligation with the loan right will not only help safeguard the rights and interests of all paid employees, give full play to the fairness and security of the provident fund system, but also help promote the healthy and sustainable development of the provident fund and improve the efficiency of the use of the provident fund.
Why should we adjust the rent withdrawal? Put an end to false filing and withdrawal of provident fund, and protect the rights and interests of employees' loans
The new policy also involves the adjustment of the provident fund rental policy, including three major contents: renters can withdraw the provident fund after three months of continuous deposit, simplifying the handling of materials, and employees can handle the rental withdrawal business with their ID cards and adjust the withdrawal amount. Among them, the new policy of adjusting the withdrawal amount clearly requires that the withdrawal amount shall not exceed 50% of the annual deposit balance; At the same time, the withdrawal limit is set by region, and the annual withdrawal in the fifth urban area and high-tech zone does not exceed/kloc-0.5 million yuan, the second floor and Chengdu Zhiguan District of Tianfu New District and Xinjin County do not exceed/kloc-0.2 million yuan, and the third floor does not exceed 0.96 million yuan.
Chengdu Housing Provident Fund Management Center said that these adjustments are also based on the consideration of fully embodying the principles of fairness, safety and efficiency. For example, according to the different rent levels in the circle, it is more realistic than the original "one size fits all" and more conducive to improving the efficiency of the use of provident fund.
In response to the public's concern that "the withdrawal should not exceed 50% of the annual deposit", the relevant person in charge of the Provident Fund Management Center pointed out that this is because there were many false records in the process of withdrawing housing provident fund from leased commercial housing in the past, which led to the employees paying high handling fees to intermediary agencies on the one hand, and once they bought a house, the account balance was insufficient and the loan rights could not be fully reflected.
The above-mentioned person in charge believes that the main reason for this situation is that some employees do not understand the various benefits of the balance of provident fund accounts and are fooled by illegal intermediaries.
"In fact, if you carefully study the Regulations on the Management of Provident Funds, you will find that provident funds are not what many citizens understand as' if you don't buy a house, you will die'." He said, for example, if the employee himself or his spouse, parents or children suffer from serious diseases, resulting in serious difficulties in the family life of the employee, the employee and his spouse can apply for withdrawal of the housing provident fund at the same time. In addition, the provident fund can be withdrawn in many cases, such as employees who have not been employed for two years after the termination of labor relations with the unit and have serious difficulties in family life, and encounter sudden major natural disasters. "Many times, this money can be' life-saving money'."
Under the existing policy, the actual time limit for handling provident fund varies from place to place.
It is worth noting that with the recent recovery of the property market in many places, housing provident fund loans in many cities have tightened, and there are even rumors that the approval cycle of provident fund loans in some areas has been lengthened or even stopped. In this regard, the Chengdu Housing Provident Fund Management Center clearly stated that there is no plan to tighten provident fund loans by stopping loans, because the launch of the New Deal itself has been "receiving and releasing" on the premise of fairness.
It should be reminded that although the New Deal was officially implemented on June 6th, the actual deadline of the existing policy is June 4th, because June 6th is a Monday. "And on June 4th, only the service hall located in Renmin Middle Road was open until noon 12, and other processing points in the main city were closed on June 3rd. In addition, due to the small business volume in the second and third laps, the service is not open every working day. Therefore, employees who want to apply before the New Deal should know the service hours of local provident fund service points in advance so as not to miss them. " The relevant person in charge of Chengdu Housing Provident Fund Management Center reminded.
What are the conditions for Chengdu provident fund loan?
1. The loan applicant must meet the following conditions:
(1) Employees with urban permanent residence or valid residence certificates.
(2) At the time of application, the housing provident fund has been continuously and normally deposited in Chengdu Provident Fund Center for more than 6 months (inclusive), and the provident fund has not been withdrawn to pay the down payment of the purchased house, and there is no balance of provident fund loans.
(three) there is a contract or agreement for the purchase of housing, and the down payment is not less than 30% of the value of the purchased housing.
(4) Having a relatively stable occupational and economic income, having the corresponding loan repayment ability, and having a good personal credit.
(5) The loan applicant agrees to use the purchased real estate and its rights and interests as mortgage guarantee for the loan.
(six) there is no interest relationship between the loan applicant and the seller that may affect the safety of the loan.
(7) Other conditions stipulated by Chengdu Provident Fund Center.
2. The existing housing provident fund loan amount cannot exceed the maximum amount of a single housing provident fund loan determined by the Chengdu Housing Provident Fund Management Committee.
3. The longest loan term shall not exceed 20 years (inclusive).
4. Loan interest rate: The loan interest rate of housing provident fund is subject to the statutory interest rate announced by the People's Bank of China. If the statutory interest rate is adjusted during the loan repayment period, it shall be handled in accordance with the relevant provisions of the People's Bank of China.
Extended data
Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.
The definition of housing provident fund includes the following five aspects:
(1) The housing accumulation fund is only established in cities and towns, and the housing accumulation fund system is not established in rural areas.
(2) Only on-the-job employees can establish the housing accumulation fund system. Unemployed urban residents and retired workers do not implement the housing provident fund system.
(3) The housing accumulation fund consists of two parts, one part is paid by the employee's unit, and the other part is paid by the employee. After the employee's individual deposit is withheld by the unit, it will be deposited into the individual account of the housing provident fund together with the unit deposit.
(4) The long-term nature of housing provident fund deposit. Once the housing provident fund system is established, employees must be paid continuously in accordance with the regulations during their employment, and shall not be suspended or interrupted except for employees' retirement or other circumstances stipulated in the Regulations on the Administration of Housing Provident Fund. It embodies the stability, unity, standardization and compulsion of housing provident fund.
(5) The housing accumulation fund is a personal housing savings fund specially used by employees for housing consumption expenditure according to regulations, which has two characteristics:
First, it is cumulative, that is, although the housing provident fund is an integral part of employees' wages, it is not paid in cash, but must be deposited in a special account opened by the housing provident fund management center in the entrusted bank, and special account management is implemented.
The second is special. The housing provident fund is earmarked for special purposes and can only be used for the purchase, construction, overhaul of self-occupied housing or the payment of rent during storage. Only when the employee retires, dies, completely loses the ability to work, terminates the labor relationship with the unit or moves out of the original city can the housing provident fund in his account be withdrawn.
According to China's regulations, all enterprises, whether state-owned or private, must deposit and pay housing provident fund for their employees.