Let's talk about the provincial provident fund:
Provincial provident fund refers to the housing provident fund and other housing funds of provincial units, central units, subordinates, provincial colleges and their subordinate units.
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.
Look at the policy interpretation again:
In order to further strengthen the management of housing provident fund loans, Henan Province's housing provident fund has adjusted the provincial housing provident fund loan policy according to the actual situation as follows:
First, the maximum amount of a single loan is approved according to the following three conditions:
1. The loan amount shall not exceed the corresponding maximum loan limit.
Both husband and wife have paid in the provincial housing provident fund management center for more than 6 months. If you buy a house in Zhengzhou and apply for a loan for the first time, the maximum loan amount will be adjusted from 600,000 yuan to 800,000 yuan. In other cases, the loan amount was adjusted from 400,000 yuan to 600,000 yuan.
2, in strict accordance with the provisions of the deposit balance to issue a number of personal loans.
The loan amount shall not exceed the prescribed multiple of the deposit balance:
According to the housing provident fund deposit account balance and deposit time to determine the amount of a single loan. The amount of a single loan should be less than or equal to the product of the deposit balance multiplied by the corresponding multiple.
If both husband and wife have paid in the provincial provident fund for more than 6 months, the balance of the deposit account shall be the sum of the balance of both husband and wife (excluding the last 6 lump-sum deposits, and if the single or spouse has not paid in the provincial provident fund center for less than 6 months, the balance of the borrower's deposit account shall be taken);
If the counter withdrawal business is not handled within 6 months before the loan application, if the deposit balance is less than 6,543.8+0,000 yuan, it is determined to be 6,543.8+0,000 yuan, and other circumstances are determined to be the actual balance.
If the withdrawal business has been handled at the counter six months before the loan application, it shall be determined according to the actual balance. If the deposit time is less than 1 year, the multiple value is 15; if the deposit time exceeds 1 year, the multiple value will increase by 1 year. The balance of the deposit account and the deposit time shall be determined according to the certificate issued by the relevant department of the deposit place.
3. The monthly repayment amount shall not exceed 60% of the family income.
For the purchase of the first self-occupied house, the single maximum loan amount is approved in two cases: 1 and 3.
Second, other relevant provisions
1. Strengthen the substantive review of the source of down payment, the number of existing houses in the borrower's family, the borrower's credit qualification and the authenticity of the house purchase contract.
2. If the loan record has been settled according to the credit information, Zhengzhou Real Estate Administration Bureau does not have this house, you need to provide a sales contract.
3. Non-Zhengzhou registered households who own 1 apartment can't use provident fund loans if they buy houses below 180 square meters (excluding 180 square meters) again.
According to Article 7 of the Measures for the Administration of Public Rental Housing, an application for public rental housing shall meet the following conditions:
1, there is no house in the local area or the housing area is lower than the specified standard;
2, income, property is lower than the prescribed standards;
3. The applicant is a migrant worker and has been employed stably in the local area for a specified number of years.
The specific conditions shall be determined by the housing security department of the municipality directly under the central government and the people's governments at the city and county levels according to the actual situation in the region, and shall be implemented and announced to the public after being approved by the people's governments at the corresponding levels.
Article 8 An applicant shall submit application materials in accordance with the provisions of the housing security department of the people's government at the city or county level, and be responsible for the authenticity of the application materials. The applicant shall agree in writing to the competent department of housing security of the people's government at the city or county level to verify the application information.
What is the most rare thing in 2 1 century? Talent! Especially senior talents, so you have to understand that it is still useful to go to school well. With high academic qualifications and high technology, any preferential policies are biased towards you. A ready-made example is Henan's housing provident fund support policy for high-level talents in provincial units.
202 1 1 1.30, Henan Housing Provident Fund Management Center issued the latest notice, which clearly stated that "to buy the first self-occupied house in Zhengzhou, the maximum loan for high-level talents is1.20,000". Let's look at the specific interpretation:
Interpretation of housing provident fund support policy for high-level talents in provincial units:
I. Scope of application and objects
(1) Scope of application
Since 20 17, 165438+ 10, 2 1, high-level talents have been trained and introduced by provincial party and government organs, universities, hospitals, scientific research institutions, central units in Zhengzhou and provincial enterprises that have paid housing provident fund in the provincial capital center.
(ii) Target audience
1. Top talents (Class A talents), leading talents (Class B talents) and top-notch talents (Class C talents) recognized by the Office of the Provincial Leading Group for Talent Work in accordance with the Measures for the Identification and Support of High-level Talents in Henan Province (Yu Talents [2017] No.5).
2 provincial party and government organs, institutions of higher learning, hospitals, scientific research institutions, central units in Zhengzhou and provincial enterprise personnel departments through open recruitment (employment), open selection, transfer, assessment and other ways to introduce proof.
Second, the use of housing provident fund
About housing provident fund loans
1. High-level talents who have continuously paid the housing provident fund for more than 6 months (including 6 months, the deposit status is normal) can apply for housing provident fund loans. Housing provident fund deposited in other centers can be combined to calculate the deposit time, and those that are not continuously deposited are regarded as normal deposits.
2. The repayment ability of high-level talent loans can be determined according to the remaining amount after deducting reasonable household consumption expenditure from actual wage income. When applying for housing provident fund loans, the short-term debt limit of outstanding credit loans and credit card loans with a term of 1 to 2 years will be relaxed from 1 10,000 yuan to 500,000 yuan.
3. High-level talents Both husband and wife have paid in the provincial capital center for more than 6 months (including 6 months), and the family bought the first set of self-occupied housing in Zhengzhou. The maximum loan amount is increased by 50% on the basis of 800,000 yuan, and the maximum loan amount is 6.5438+0.2 million yuan.
For high-level talents who meet other loan conditions, the maximum loan amount is increased by 50% on the basis of 600,000 yuan, and the maximum loan amount is 900,000 yuan.
4. High-level talents who pay housing provident fund in the provincial capital center and work outside Zhengzhou can enjoy the housing provident fund support policy when they buy their own houses in Zhengzhou.
In addition, the new notice also mentioned: providing quality services for the housing provident fund.
Provide convenient and fast "one-stop" service. Open a green channel for high-level talents in the service hall of Jingsan Road and Dongying Industry Department, and carry out appointment service, delayed service and on-site service to provide priority, nearby and convenient housing provident fund service for high-level talents.
At the end of the article, I believe everyone has a clear understanding of the loan amount of housing provident fund in Henan Province. Generally, the first suite does not exceed 800,000, and in other cases it does not exceed 600,000. Because direct housing has the nature of social welfare and is a kind of care for the socially disadvantaged groups by the government, the requirements for its audit are also strict. I hope everyone must do their homework before applying, make sure they meet the relevant qualifications, and don't confuse the sham with the genuine.