According to the information from Nanning Housing Provident Fund Management Center, starting from March 1, the center will make two adjustments to standardize the monthly income of housing provident fund loan borrowers. This means that in the future, the loan amount of citizens will no longer be determined by the income certificate provided by the applicant, but will be directly linked to the level of provident fund deposit.

The specific contents of the two adjustments are as follows: First, the monthly income of employees' families applying for housing provident fund loans is approved according to the salary base of employees and their spouses who pay housing provident fund monthly; Second, employees who normally pay the housing provident fund in the district direct sub-center will no longer provide proof of economic income when applying for housing provident fund loans. However, when applying for housing provident fund loans, employees or * * applicants who have not paid the housing provident fund in the district direct sub-centers are still required to provide proof of housing provident fund deposit and proof of economic income for investigation and verification. After this adjustment, the age, loan period, family income, loan amount and provident fund payment of the lender (including the owner of * * * *) will become mutually restrictive factors, and the situation that the lender can obtain a provident fund loan of up to 400,000 yuan by issuing an income certificate on behalf of the lender will never return.

The analysis believes that this adjustment is beneficial to both the provident fund payer and the provident fund collection platform. Judging from the loan application procedure, the cancellation of the income proof procedure will simplify the handling procedures for employees in other parts of Nanning. At the same time, it can curb the "moisture" of the income certificate issued by the unit, and the payment amount is linked to the loan amount, which is more conducive to the risk prevention and control of loan funds. In addition, this adjustment is more conducive to improving the collection amount of housing provident fund. At present, the sub-center has opened the loan business of provident fund in different places, and only when the amount of funds is sufficient can it provide financial support to more employees.

For the paid employees, the implementation of the New Deal will further protect their housing provident fund rights and interests. It is understood that according to the relevant regulations, the amount of employees' contribution to the provident fund is generally 24% of their income, and units and individuals each bear half. The payment base includes all the income of employees' wages and performance, but in fact, some units only take the basic salary as the payment base, and the housing rights and interests of employees' provident fund cannot be well guaranteed. After the implementation of the New Deal, this situation may change, and these units will be required to fulfill the obligation of paying the housing provident fund in full.

(The above answers were published on 20 15-06-27. Please refer to the actual situation for the current purchase policy. )

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