Viewpoint New Media understands that this policy adjustment will be implemented from June 1 day, 2022, and the specific related matters are notified as follows:
First, individual industrial and commercial households in cities and towns pay housing provident fund as individual depositors, and cancel providing tax payment or tax exemption certificates for the past three years.
Second, freelancers, migrant workers, and self-employed individuals who terminate their labor relations with the unit apply for voluntary deposit of housing provident fund, and promise to pay the old-age insurance for urban employees when going through the formalities for setting up personal accounts, and no longer require proof of payment or proof of participation in the old-age insurance for urban employees.
Three, workers and units to lift (terminate) the labor (personnel) relationship, and the housing provident fund account sealed for 6 months, you can cancel my housing provident fund account and withdraw the account balance.
Four, cancel the "employees to apply for housing provident fund loans again, the same set of purchase procedures are not allowed to apply for housing withdrawal" restrictions.
5. Cancel the restriction that "when employees apply for provident fund loans again, they may not apply for monthly hedging or balance hedging repayment business".
Six, employees to buy the first set of self-occupied housing to apply for housing provident fund loans, the first payment of housing from more than 30% to more than 20%.
Seven, employees can apply for provident fund loans again after the loan is settled, and the loan application time interval is no longer required to be more than two years. Applications for provident fund loans for the purchase of third and above houses will not be accepted.
Eight, the resumption of "commercial personal housing loans to housing provident fund loans" business, housing provident fund deposit workers in the city have outstanding commercial personal housing loans, the purchase of housing has obtained the "all of housing" or "all of housing", in the past two years "personal credit report" no overdue records, in line with the provisions of the housing provident fund other loan conditions, can apply for commercial personal housing loans to housing provident fund loans.
Nine, improve the repayment ability coefficient, adjust the repayment coefficient of housing provident fund loans from 0.4 to 0.5, and increase the loan amount of borrowers.
X expand the scope of off-site loans, liberalize the regional restrictions on off-site provident fund loans in Hubei and Ukraine, adjust and expand to the whole country, and allow employees who have paid the provident fund nationwide to apply for housing provident fund loans in our city.
On the same day, Baotou Housing Provident Fund Center also issued a notice on implementing the rescue policy for enterprises and employees during the epidemic. This support policy is valid from June 1 day to February 3 1 day, 2022. The specific relevant matters are hereby notified as follows:
1. Enterprises affected by the COVID-19 epidemic can apply for holdover of housing provident fund, and the deposit time during the holdover period is calculated continuously, which does not affect the normal withdrawal and application of housing provident fund loans by employees. After the expiration of the holdover period, the holdover housing provident fund must be paid back.
Second, workers affected by the COVID-19 epidemic (referring to frontline workers involved in epidemic prevention and control, novel coronavirus infected patients, suspected patients or close contacts who are infected with COVID-19 hospitalized patients, medical observation or isolated by the government) can not repay the housing provident fund loans normally, and can apply for no overdue treatment.
3. Raise the rent extraction standard 10%, that is, the upper limit of urban single workers' extraction is 1.29 million yuan/year, and the upper limit of employees' family extraction is 1.78 million yuan/year; The maximum withdrawal limit for individual employees in Qixian District is 10300 yuan/year, and the maximum withdrawal limit for employees' families is 14300 yuan/year.