The new policy for withdrawing provident funds for renting has been introduced, and the withdrawal procedures and materials have been greatly simplified. This is good news for renters like the editor. If you withdraw your provident fund to pay rent now, will it be affected when you apply for a provident fund loan to buy a house in the future? Will it lower the loan limit?

First of all, in the new housing provident fund withdrawal policy introduced last year, it is stipulated that the withdrawal of provident fund is mainly to "guarantee the purchase of the first self-occupied house or improved self-occupied house by the paying employees". Employees who purchase three or more houses will Nothing to do with the provident fund. The prerequisite for withdrawing provident funds to pay rent is that the employee who makes the deposit does not have a house in his name, so there is no problem that will affect the withdrawal of provident funds for house purchase.

Does not affect loan application

At present, the second home in provident fund loans is recognized as having no housing record, no loan record, and no record of withdrawing provident fund for house purchase. Withdrawing provident fund from renting a house is not included in the above recognition scope. Therefore, withdrawing provident fund from renting a house will not affect your application for provident fund loan to buy a house in the future.

But can you rest assured? No! Although withdrawing provident funds to pay rent will not affect future home purchase loan applications, it will affect the loan limit.

Affects the loan limit

The calculation of the provident fund loan limit is determined based on four conditions: loan repayment ability, house price ratio, housing provident fund account balance and loan limit. The four conditions are calculated The minimum value of is the amount that the borrower can lend. One of the important influencing factors is the provident fund account balance.

Generally, provident fund loan amount = provident fund account balance * multiple (usually 30 times, please consult the local provident fund center for actual conditions in various places).

If through calculation, among the four factors, the provident fund loan amount is calculated by the account balance, then that is the provident fund loan amount that the individual can finally apply for. Therefore, if the provident fund is frequently withdrawn to pay rent, the balance of the individual's provident fund account will be lower, resulting in a lower total, which may affect the amount of the personal provident fund loan.

Attachment: Conditions for withdrawing Harbin Housing Provident Fund

1. House type

1. Non-loan purchases of commercial housing, economically affordable housing, public housing and If the resettlement houses and other self-occupied houses are demolished, the employees themselves and their spouses can withdraw the funds.

2. For construction, renovation and overhaul of owner-occupied houses with property rights, the employees themselves and their spouses can withdraw the funds.

3. If a loan is taken to purchase a self-occupied house and repay the principal and interest of the loan, the employee himself and his spouse (*** and the repayer) can withdraw the money.

4. If the cost of renting housing in this city and rent exceeds 25% of the family income, the employee and his or her spouse can withdraw the money.

2. Non-housing types

1. Employees who are transferred out of this city or whose household registration is moved out of this city can withdraw it themselves.

2. If the employee does not have a household registration in this city and the labor relationship with the unit is terminated, the employee himself can withdraw it.

3. If the labor relationship with the unit is terminated and the employee has not been re-employed for two years, the employee himself can withdraw it.

4. If the employee completely loses the ability to work and terminates the labor relationship with the unit, the employee himself can withdraw it.

5. In case of retirement or retirement, the employee himself can withdraw the money.

6. If an employee dies or is declared dead, the heirs or legatees can withdraw the employee’s housing provident fund.

7. If the employee leaves the country to settle down, he or she can withdraw it.

8. If the self-occupied house is included in the municipal government's shantytown reconstruction and demolition project, the employee himself and his spouse or direct blood relatives with the same household registration can withdraw.

9. If a unit is disbanded, bankrupt, or abandoned, it shall handle the transfer or account cancellation withdrawal procedures for employees before the dissolution, bankruptcy, or abandonment of business.

10. If the government-owned rental housing is rented to pay the rent, the employee himself and the same applicant (spouse, children) who apply for public-owned rental housing allocation qualifications can Withdraw housing provident fund.

11. If an employee, his spouse, or minor children suffer from a serious illness that causes serious difficulties in family life, the employee himself and his spouse can withdraw the housing provident fund in installments. Major diseases include: malignant tumors, acute myocardial infarction, stroke sequelae, major organ transplantation or hematopoietic stem cell transplantation, coronary artery bypass grafting (or coronary artery bypass grafting), end-stage renal disease (or chronic renal failure) Uremia stage), multiple limb loss, acute or subacute severe hepatitis, benign brain tumors, decompensated stage of chronic liver failure, sequelae of encephalitis or meningitis, deep coma, deafness in both ears, blindness in both eyes, paralysis , heart valve surgery, severe Alzheimer's disease, severe brain injury, severe Parkinson's disease, severe third-degree burns, severe primary pulmonary hypertension, severe motor neuron disease, loss of speech ability, severe aplastic anemia, major Arterial surgery and 25 other types.

Harbin Housing Provident Fund Withdrawal Amount

1. If you purchase a self-occupied house with property rights without a loan, you can withdraw the balance of the housing provident fund account in one go, but the withdrawal amount shall not exceed the purchase price. .

2. Those who build, renovate or overhaul a self-occupied house with property rights can withdraw the balance of the housing provident fund account in one go, but the withdrawal amount shall not exceed the actual expenditure.

Those who build or renovate self-occupied housing on collective land can withdraw the balance of the housing provident fund account in one go. If the building area is within 100 square meters, the maximum withdrawal amount shall not exceed 100,000 yuan; the building area is within 100,000 yuan. If the area is over 100 square meters (inclusive), the maximum withdrawal amount shall not exceed 200,000 yuan.

3. Those who take a loan to purchase a self-occupied house and repay the principal and interest of the loan can withdraw the amount stored in the housing provident fund account in installments, but the cumulative withdrawal amount shall not exceed the total principal and interest of the loan.

4. If the rent expenditure exceeds the household income by 25%, the amount stored in the housing provident fund account can be withdrawn in installments, but the cumulative withdrawal amount shall not exceed the actual expenditure.

5. If the self-occupied house is included in the municipal government’s shantytown reconstruction and demolition project, the balance of the housing provident fund account can be withdrawn in one go.

6. Those who have rented government-owned housing to pay rent can withdraw it once every quarter. The amount withdrawn each time shall not exceed the amount of the rent note paid, and the cumulative withdrawal amount each year shall not exceed the actual amount withdrawn in that year. The amount of rent paid.

7. If an employee, his/her spouse, or minor children suffers from a serious illness that causes serious difficulties in family life, the employee and his/her spouse may withdraw the balance of the housing provident fund account in installments, but the cumulative withdrawal amount shall not exceed Exceeding personal burden.

8. Transfer out of this city or move your registered permanent residence out of this city, have a non-local registered permanent residence and terminate the labor relationship with the employer, terminate the labor relationship with the employer and have not been re-employed for two years, completely lose the ability to work and terminate the employment relationship with the employer. If the unit terminates the labor relationship, retires, the employee dies or is declared dead, or moves abroad to settle, the balance of the personal housing provident fund account will be withdrawn in one go and the personal account will be canceled at the same time.

9. For withdrawals from non-cancelled personal accounts, a balance of no less than 10 yuan should be retained in the account.

(The above answer was published on 2016-01-06, please refer to the actual relevant current house purchase policies)

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