The new policy of housing provident fund loan in Shenzhen in 2022 is that both husband and wife can borrow 900,000 yuan, and the balance of their housing provident fund can be multiplied by 14. You can return the house every month, and the amount is more than 38 yuan.

2. What are the new changes in the housing provident fund in 2022?

The new provident fund policy in 2023 is as follows:

New Deal 1: Rent invoices and tax payment certificates are not required for renting a house to withdraw the provident fund.

The new regulations point out that employees have paid the housing provident fund in full for three consecutive months. If my spouse and I don't own a house in this city and rent a house, we can withdraw the housing accumulation fund of both husband and wife to pay the rent. Before withdrawing the provident fund to pay the rent, you also need to submit the rent invoice and tax payment certificate.

New Deal 2: The down payment for the second suite of provident fund loans is reduced to 20%

For those who own 1 house and have settled the house purchase loan, they will use the housing provident fund loan to buy a house again, and the minimum down payment ratio will be reduced from 30% to 20%.

Handling process of housing provident fund loans in different places

1. The loan city provident fund center accepts the consultation of employees' loan business in different places and informs them of the materials needed for loan review at one time.

2 employees themselves or their clients apply to the municipal provident fund deposit center, and the municipal provident fund deposit center verifies the loans issued by employees according to their applications. For employees who have not used the housing provident fund personal housing loan or whose first housing provident fund personal housing loan has been settled, they will be issued with certificates of deposit and use of housing provident fund loans in different places.

3. After accepting the employee's application for off-site loan, the loan city provident fund center shall verify the authenticity and completeness of the information in the Certificate of Deposit and Use of Housing Provident Fund for Employees with Off-site Loan to the deposit city provident fund center. If the verification is correct, the loan approval procedures shall be fulfilled within the prescribed time limit, and the results shall be fed back to the Municipal Provident Fund Center. Deposit to the city provident fund center to identify the situation of employees' loans in different places, and establish a detailed account of employees' loans in different places.

Third, the content of Nanchang's new real estate policy

In Nanchang, if an individual purchases an ordinary house of 90 square meters or less for the first time, the deed tax rate will be temporarily reduced to 1%, and stamp duty will be temporarily exempted. ● Individual housing sales are temporarily exempted from land value-added tax; ● The lower limit of the loan interest rate can be relaxed to 0.7 times of the benchmark loan interest rate, and the minimum down payment ratio can be adjusted to 20%. ● For the middle-aged children of 18 families who buy a second house, we can compare the interest rates of the first set of housing lenders for housing provident fund loans, and each grade has benefits; ● If you apply for housing provident fund loans to buy a house, the maximum loan amount will be increased from 25 to 300,000 and 350,000. The minimum down payment ratio for residents to buy a house for the first time is adjusted to 20%, and they can also enjoy the first set of preferential housing policies when buying a second house; The maximum amount of housing provident fund loans will be raised to 350,000 yuan; The municipal government invested funds to buy new commercial housing as affordable housing? The new national real estate policy was introduced to guard against market risks. Yesterday, Nanchang officially issued "Several Opinions on Implementing the State Council to Further Promote the Healthy Development of the Real Estate Market" to optimize the investment environment, increase residents' consumption and the increasingly depressed property market. Yesterday, Nanchang officially approved the issuance of "Several Opinions on Promoting the Sustained, Stable and Healthy Development of the Real Estate Industry" (hereinafter referred to as "Opinions"). "In recent years, the scale of Nanchang real estate market has continued to expand. Despite the current international and domestic economic impact, Nanchang's real estate industry has always been. The relevant person in charge of the Municipal Housing Management Bureau said, "The purpose of issuing the Opinions is to improve developers' confidence in the development cost and the healthy development of the real estate trading market. Before the maximum amount of housing provident fund loans for consumers in the New Deal was 350,000 yuan, the maximum amount of loans for urban residents in Nanchang was 250,000 yuan. However, the "golden loan" issued yesterday increased to 350,000 yuan. Residents apply for housing provident fund loans, and if one spouse pays the housing provident fund, the maximum loan amount will be raised from 250,000 yuan to 300,000 yuan, and the maximum loan amount will be increased from 3. At the same time, Nanchang also lowered the interest rate of individual housing provident fund loans, and the interest rates of each grade are respectively. If citizens buy ordinary housing for self-occupation, the minimum down payment ratio of housing provident fund loans will be adjusted to 20%. Advocating citizens to withdraw housing provident fund to purchase houses "Opinions" stipulates that after employees withdraw housing provident fund loans and use them for purchasing ordinary self-occupied houses for the first time, if the per capita construction area does not meet the standard of per capita housing construction area in this city, they can apply for a second set of housing provident fund loans according to the corresponding quota after the loan is settled. At the same time, the "Opinions" encourage employees to withdraw their own, spouses and immediate family members' housing provident fund to purchase self-occupied housing. Buy two houses and enjoy the first set of housing concessions. According to the opinions, since 2008 165438+ 10/day, if an individual purchases an ordinary house of 90 square meters or less for the first time, the deed tax rate will be temporarily lowered to 1%. Individuals who sell or buy houses are temporarily exempt from stamp duty and land value-added tax when selling houses. In addition, residents who purchase ordinary self-occupied housing for the first time and provide improved ordinary self-occupied housing loans can enjoy 0.7 times of the benchmark loan interest rate, and the minimum down payment ratio is adjusted to 20%. The "Opinions" also began to "loosen" the policy of buying a second home for residents. According to the Opinions, if a family has children aged 18, when buying a second house, it can be implemented according to the first set of preferential housing loan policies. Second-hand housing transaction funds are stipulated in the opinions of bank custody. In the future, if an individual purchases a commercial house, the registration and filing time of the commercial house sales contract shall prevail. For public housing purchased in accordance with the national housing reform policy, the purchase time shall be determined according to the principle of "which comes first", and the effective time of the purchase contract, the date of issuance of the house payment receipt or the time indicated in the real estate license shall prevail. Taxpayers who sell their own houses and buy new houses within one year before and after the sale will no longer receive personal income tax deposits. Simplify the transaction procedures of second-hand houses and implement one-stop service. Implement the system of online signing of sales contracts and bank custody of trading funds to reduce the risk of second-hand housing transactions. Interpretation of the housing security in the new policy, the housing purchased by the government is called affordable housing. According to my opinion, I actually need to expand the coverage of low-rent housing. We will comprehensively carry out a general survey of urban low-income housing difficulties, raise the standard of low-rent housing security in a timely manner, expand the scope of low-rent housing rental subsidies, and do a good job in ensuring the best. The municipal government invested funds from newly-built commercial housing or second-hand housing to buy some small-sized houses as affordable housing and resettlement houses to allocate housing. Support for real estate development Before the annual settlement of income tax of real estate enterprises, real estate enterprises need to pay various fees for developing a real estate, but this time, the Opinions clearly put forward that these fees can be postponed, and real estate enterprises can pay in advance quarterly and settle annually. In the future, the enterprise income tax of real estate development enterprises will be levied according to the lower limit. For the pre-sale income of real estate development enterprises before the completion of the project, the enterprise income tax shall be paid in advance according to the standards stipulated by the national tax policy, and quarterly advance payment and annual liquidation shall be implemented. The "Opinions" stipulates: "Clean up all kinds of fees in the process of real estate development at one time. "There is no policy that does not conform to the current actual situation. Resolutely canceling it, including various forms of deposits, can lower the standard. At the same time, the operating and service charges involved in the early stage of construction projects should adhere to the principle of marketization and be fully liberalized. Actively encourage monetary compensation for housing. It is clear in the opinion that after entering Nanchang, monetary compensation will be combined with physical resettlement and monetary compensation will be actively encouraged. If people buy commercial housing or second-hand housing in compensation currency, they will only levy deed tax on the difference. For the purchase of commercial housing and second-hand housing as resettlement houses, the part equal to the housing area can be exempted from the buyer's deed tax. Government supervision in the interpretation of the new deal and the establishment of real estate joint meeting system. The joint meeting was presided over by the deputy mayor in charge of the municipal government, with the participation of the Municipal Construction Committee, the Municipal Bureau of Land and Resources, the Municipal Planning Bureau, the Municipal Administration for Industry and Commerce, the Municipal Local Taxation Bureau, the Municipal Housing Authority, and the Nanchang Central Branch of the People's Bank of China, to study and analyze the problems existing in the development of the real estate market in our city and put forward corresponding countermeasures.

Fourth, what are the preferential policies for provident fund loans now! There is a new policy?

You can apply for more than half a year. The maximum loan is 250,000 yuan. For the first time, use the housing provident fund loan to buy a house below 90 square meters, with a down payment of 20% and a minimum down payment of 30% for a house above 90 square meters. The second purchase is more than the last one 10%, and both husband and wife can borrow money together. The longest service life is 30 years, and women are 60 to 65 years old.