2065438+Units and their employees who registered for deposit in Changzhou Housing Provident Fund Management Center (hereinafter referred to as Provident Fund Center) on June 30, 2009; Individual depositors who deposit in the name of freelancers and individual industrial and commercial households.
(1) deposit base
1 and 20 19 years, the monthly deposit base of housing provident fund is the total wage income of employees in 20 18 years divided by the number of months of wage payment.
2.20 19 The upper limit of the deposit base of housing provident fund is adjusted to 22,800 yuan; The lower limit of the deposit base will not be adjusted, that is, Changzhou City (including Wujin District) is 2020 yuan, and liyang city and Jintan District are both 1850 yuan.
(2) deposit ratio
1, the deposit ratio of housing provident fund of party and government organs, institutions, enterprises and other units and employees in the city is within the range of 5%- 12%, which can only be adjusted once a year.
2, freelancers, individual industrial and commercial households and other individuals to pay housing provident fund deposit base is the average monthly income of 20 18, the deposit ratio is unified as 20%.
3. The deposit base of housing subsidies for new employees is the same as the housing provident fund, and the deposit ratio is implemented according to the relevant provisions of provinces and cities.
Adjustment time:
The housing provident fund deposit units and individual depositors shall adjust the base before the housing provident fund is remitted in July 20 19, and the adjusted housing provident fund deposit base and proportion shall be implemented from July 20 19 to June 0/9.
New policy on the use of provident fund
(A) expand the scope of use, so that the provident fund can be better used.
First, the implementation of off-site loans was liberalized. Workers who normally deposit provident fund in other provinces and cities can apply for provident fund loans to Changzhou Provident Fund Center with the Certificate of Deposit and Use of Housing Provident Fund for Foreign Loan Workers issued by the Provident Fund Management Center when buying a house in Changzhou. When applying for a loan, they enjoy the same rights and interests as local employees in terms of loan amount and calculation rules.
The second is to install elevators on existing houses to extract and use the provident fund business, allowing eligible employees to extract the provident fund to pay their personal share of existing houses with elevators.
(B) Adjustment of loan quota calculation rules
Generally speaking, the adjustment of loan quota calculation rules mainly includes three aspects: three unchanged, two adjusted and one cancelled.
"three invariants"
First, the quasi-loan conditions remain unchanged. The basic conditions for applying for a loan after 6 months of continuous deposit remain unchanged.
Second, the support for purchasing affordable housing remains unchanged. Employees who purchase such houses, regardless of their use records, are still calculated at 20 times the balance of the provident fund.
Third, the support for special talents remains unchanged. The original innovative and entrepreneurial talents, as well as the spouses of active servicemen who have no record of using the housing provident fund, are still relaxed to 600,000.
"two adjustments"
First, the calculation rules for calculating the loan amount by 20 times the balance of the provident fund were adjusted.
Original policy: "If there is no use record, the loan amount shall be calculated at 20 times of the balance."
The adjusted new policy: "If there is no record of using the housing provident fund to purchase houses and at least one person has paid the housing provident fund for two consecutive years or purchased affordable housing before applying for the housing provident fund loan, the loan amount shall be calculated according to the sum of the balances of eligible applicants."
This adjustment mainly reflects two aspects of support:
On the one hand, support employees with strong deposit obligations. The loan amount can only be calculated as 20 times if it has been deposited for 2 years. If there are many borrowers, at least one person must have been deposited for 2 years.
On the other hand, support employees who do have housing consumption needs. The New Deal subdivided the original "extraction record" into "purchase extraction (such as purchase extraction and repayment extraction). ) "and" non-purchase extraction "(such as rental extraction, serious illness extraction, etc. ), in which "non-house purchase withdrawal" will not affect the rule that the loan amount is calculated by 20 times.
The second is to adjust the calculation rules for calculating the loan amount according to the balance of the provident fund 10 times.
The original policy: "Calculate loan amount according to usage record balance 10 times" is no longer implemented.
The adjusted new policy: if the loan applicant does not meet the requirements of the 20-fold calculation rule, it will be calculated at 6 times the sum of the balance of the provident fund.
"Cancel"
The guaranteed loan line was cancelled, and the original loan line was relaxed to1.8000 for one person and 360000 for two people.
(c) Increase the amount of concessional loans and increase assistance to low-income families.
The New Deal increased the discount amount of provident fund loans for low-income families, and the maximum discount for each household increased from 5,000 yuan to 6,000 yuan per year.