In order to encourage and support people to buy houses, Hangzhou has introduced a number of preferential policies for provident fund. The specific measures are as follows: 1. Preferential mortgage interest rate: employees who buy the first suite and the loan amount does not exceed the local purchase restriction standard can enjoy a 10% discount on the provident fund loan interest rate. 2. Increase in loan amount: Eligible employees can also enjoy an increase in loan amount, up to twice the local purchase restriction standard. 3. Deposit subsidy: For qualified new employees, they can get a provident fund deposit subsidy, and the subsidy amount is 0% to 2% of the 65438+ individual contribution ratio. It should be noted that the above preferential policies have certain conditions and restrictions. The repayment period shall not exceed 30 years, and the housing area shall not exceed 90 square meters. In addition, employees who buy second-hand houses can also enjoy some preferential policies.
How to apply for provident fund deposit subsidy? Eligible new employees can apply to the local provident fund management center within 1 year. Need personal ID card, bank card and other related materials. Please consult the local provident fund management center for specific operations.
As a generous welfare treatment, provident fund is very important to employees. In Hangzhou, buyers can reduce the pressure of buying houses by enjoying preferential policies of provident fund. However, while enjoying these policies, we should also pay attention to rights protection and other related matters.
Legal basis:
"Regulations on the Management of Housing Provident Fund" Article 5 The housing provident fund shall be used for the purchase, construction, renovation and overhaul of owner-occupied housing by employees, and no unit or individual may use it for other purposes.