Public accumulation fund
0 1 The maximum contribution of the provident fund is 436.8 yuan per month.
The monthly deposit base of housing provident fund in 1 and 20 19 years 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 was adjusted to 22,800 yuan; The lower limit of the deposit base will not be adjusted, that is, Changzhou (including Wujin District) is 2020 yuan, and liyang city and Jintan District are both 1850 yuan.
* The maximum deposit base of all localities shall not exceed three times the average monthly salary of employees in non-private units in Changzhou, that is, 22,800 yuan.
* If the average monthly salary is higher than 22,800 yuan, the monthly deposit base is 22,800 yuan, and if the average monthly salary is lower than 22,800 yuan, the monthly deposit base shall be determined according to the actual income of employees, but the minimum shall not be lower than the monthly minimum wage standard for employees in all regions of the province announced by the human and social departments.
* In order to reduce the cost and burden of enterprises, in 20 19 years, the proportion of all kinds of party and government organs, institutions and enterprises in the city to pay housing provident fund increased from 10%- 12% to 5%- 12%, that is, units and employees were 5%-/kloc-0 respectively.
Taking the urban area as an example, the upper limit of provident fund payment in 20 18 years is:
Unit: 20980× 12%=25 17.6 yuan.
Personal: 20980× 12%=25 17.6 yuan.
Total: 2517.6+2517.6 = 5035.2 yuan.
Taking the urban area as an example, the upper limit of provident fund payment after July 2065438+2009 is:
Unit: 22,800×12% = 2,736 yuan.
Individual: 22,800×12% = 2,736 yuan.
Total: 2736+2736=5472 yuan.
The calculation standard of housing provident fund loan amount has changed.
The loan amount of housing provident fund in our city was previously calculated by 20 times the sum of the balance of the provident fund account of loan applicants (including more than 2 people).
According to the new calculation rules, the loan amount of two types of loan applicants can be calculated by 20 times the sum of the applicants' balances. One is that there is no record of using the housing provident fund to buy a house. The loan applicant needs to pay the housing provident fund continuously for 6 months before the loan, and at least one person has to pay the housing provident fund continuously for 2 years before the loan; The other is to buy affordable housing, and the loan applicant can deposit it for 6 months before the loan, regardless of whether there is a use record.
If the conditions of 20 times calculation rules are not met, the loan amount shall be calculated according to 6 times of the sum of the provident fund balances of eligible loan applicants. The original calculation rule of "calculate loan amount according to the balance of used records 10 times" is no longer implemented. "Usage records" refer to loan records, house purchase extraction records and loan repayment extraction records. Among them, the extraction records only refer to the extraction records of house purchase and loan repayment, and other types of extraction records (such as rental extraction and major illness extraction). ) does not belong to the purchase withdrawal record and does not affect the calculation of loan amount.
The New Deal cancelled the guarantee loan line care policy, that is, the original loan line was relaxed to "1, 1, 800,000 and 2.36 million", and the care policy was no longer implemented. For innovative and entrepreneurial talents and spouses of active servicemen, if there is no record of using the housing provident fund, the loan amount will still be relaxed to 600,000 yuan.
Employees who deposit in different places can apply for loans in our city.
According to the New Deal, employees who have paid housing provident fund in provinces and cities outside the administrative area of our city can apply for housing provident fund loans from the housing provident fund center of our city after purchasing their own houses in our city and being certified by the housing provident fund management center where they have paid. The loan amount, term and interest rate shall be implemented in accordance with the provisions of our city's housing provident fund personal housing loan.
Meet the conditions of housing provident fund loan in our city, including: the borrower has paid the housing provident fund normally when applying for the loan, and it is estimated that the individual has paid the housing provident fund continuously for 6 months since the date of application; Can provide me with valid proof materials such as purchasing commodity housing, second-hand housing, affordable housing or building or overhauling self-occupied housing; Have a stable income, good credit, and the ability to repay the loan principal and interest on time; Handle the guarantee in accordance with the guarantee method approved by the Municipal Housing Provident Fund Center; The applicant has no or only one record of housing provident fund loan in different places and has paid it off.
To apply for the deposit of housing provident fund loans in different places, the loan applicant shall provide the certificate of deposit and use of housing provident fund for employees with loans in different places issued by the deposit provident fund center; There are outstanding provident fund loans in the deposit place, and you can't apply for off-site provident fund loans in our city; The loan records in different places are regarded as the loan records in our city. One of the loan applicants has a loan record of settlement in different places. The provident fund loan applied for in our city is implemented according to the second set of provident fund loan policy in our city. If you have two loan records in different places, you can't apply for provident fund loans again in our city.
Individuals who contribute to the installation of elevators in residential buildings can withdraw the provident fund.
According to the New Deal, owners who have invested in installing elevators in existing houses can withdraw their own and their spouses' housing provident fund at one time from the date of elevator registration 1 year to pay their personal share of the cost of installing elevators, and the total amount of withdrawal shall not exceed the total share of individuals and couples.
It should be noted that this extraction method is only applicable to the owners and their spouses who are equipped with the extraction of housing property rights. If employees have outstanding housing provident fund loans or "revolutionary business" interest-bearing loans, they cannot apply for such withdrawals.
Mortgage interest rate
The first suite rose 10%, and the second suite rose 15%.
Before July 1, the interest rate of the first home of three banks had risen by 10%, namely China Bank, Industrial Bank and Minsheng Bank. After July 1, the interest rates of the first suite of China Construction Bank, Industrial and Commercial Bank of China, Bank of Communications and Jiangnan Rural Commercial Bank have risen 10%, and the interest rates of the second suite have risen 15%.
When the mortgage interest rate increases, the pressure on buyers to buy a house will increase. Based on the 30-year principal and interest loan of 654.38+0.5 million yuan, the interest rate of the first suite will increase from 5% to 654.38+00%, so the cost of buying a house will increase by at least 80,000! .
Property policy
"Changzhou Residential Property Management Regulations" will come into effect today.
Compared with the previous related measures, the Municipal Regulations added three chapters: property warranty fund, residential special maintenance fund, credit management and supervision and management. At the same time, the "Municipal Regulations" clarified the management boundaries of the government and relevant departments, and promoted the comprehensive administrative law enforcement to expand to public places in residential areas. It is worth mentioning that, in view of the general concern of the public to promote the preparations for the first owners' meeting, specific provisions have been made on the management, use and supervision of warranty funds and residential special maintenance funds.
When the mortgage interest rate increases, the pressure on buyers to buy a house will increase. Based on the 30-year principal and interest loan of 654.38+0.5 million yuan, the interest rate of the first suite will increase from 5% to 654.38+00%, so the cost of buying a house will increase by at least 80,000! .
Pan Xin kuai Bao
According to the current statistics, there will be 16 sets of pure new discs listed in Changzhou in the second half of the year, with the price range of 10000-30000 yuan/flat. Relatively speaking, there is little difference in the number of pure new discs in the four districts, and there are relatively many high-end discs in Bell Tower and Tianning.