First, increase the maximum amount of housing provident fund loans.
1. The maximum amount of loans for single-employee families in District III and Zhuji City was raised from 600,000 yuan to 700,000 yuan, and the maximum amount of loans for dual-employee families was raised from 800,000 yuan to 6,543,800 yuan;
2. The maximum amount of loans for single-employee families in Shengzhou City and Xinchang County was raised from 350,000 yuan to 500,000 yuan, and the maximum amount of loans for dual-employee families was raised from 600,000 yuan to 800,000 yuan.
Two, improve the housing provident fund loan guarantee amount.
City housing provident fund loan guarantee amount is not less than 250,000 yuan in the third district, and is not less than 200,000 yuan in Zhuji City, Shengzhou City and Xinchang County, and is uniformly adjusted to not less than 300,000 yuan.
Third, support newly-employed college students.
The first housing provident fund loan
Graduates with college degree or above will settle down or find employment in our city within three years after graduation, and buy self-occupied housing within our city. In line with the housing provident fund loan conditions, the first set of first-time provident fund loan support quota rose by 20%.
Fourth, improve families with two children and three children.
Housing provident fund support policy
Families with two children and three children are eligible for housing provident fund loans, and the loanable amount is allowed to rise by 20% and 30% respectively, but it shall not exceed the maximum amount of 120%.
Five, improve the standard of employee rental housing provident fund.
The amount of housing accumulation fund withdrawn by employees from renting self-occupied housing is raised from 1 1,000 yuan/month/person to no more than 1 and 500 yuan/month/person, and the withdrawal time can be flexibly selected on the principle of once a year.
Six, support rural self-built housing housing provident fund loans
If the paid workers meet the conditions of housing provident fund loans, they can apply for rural self-built housing loans within the urban area with legal examination and approval procedures, but they need third-party guarantees or other commercial housing as collateral.
Seven, support the housing provident fund loans "with the loan"
Actively explore the new mode of "transferring to mortgage" in second-hand housing transactions, strengthen departmental coordination, promote the "transferring to mortgage" business of housing provident fund loans in second-hand housing transactions in an orderly manner, and effectively reduce institutional transaction costs.
Eight. Optimize the business rules of monthly hedging repayment.
Deposited employees (main lenders) have handled the monthly hedging loan repayment business, and their spouses (or co-borrower) are unable to handle the hedging loan repayment business because they are not in the same district, county (city), so it is allowed to withdraw the actual repayment amount after deducting the hedging amount from the window counter on an annual basis.
Nine, optimize the layout of provident fund service outlets
Focusing on the construction of high-level network cities, combined with the construction of important regions and nodes, a number of housing provident fund convenience service points will be added in Paojiang and other places to facilitate employees to handle them nearby.
Ten, accelerate the digital reform of provident fund business.
Keep a close eye on key trivial matters, focus on "one thing, one thing", continue to promote digital reform, strengthen data sharing, further expand the scope of online business processing, optimize processing procedures, reduce application materials, and continuously improve the level of online and handheld services.
This policy has been implemented since June 65438+ 10/day, 2023, and the supporting policies related to the floating loan line do not overlap.
Content Source | Shaoxing Housing Provident Fund