On May 1 1, Luoyang Housing Provident Fund Management Center issued a notice, deciding to cancel the relevant coefficients and multiples in the calculation formula by stages, restore some measures to promote the sustained, stable and healthy development of the real estate market in Luoyang, adjust the government's access to provident fund loans for the record, increase the amount of housing provident fund loans, and purchase policies for second-home and second-hand houses.
Viewpoint The new media learned that in March last year, because the proportion of individual housing loans for housing provident fund exceeded 95%, Luoyang launched the first-level early warning and prevention measures for the liquidity risk of housing provident fund, requiring the issuance of housing provident fund loans to meet the requirements; In the calculation formula of personal housing provident fund loan amount, the multiple of the deposit balance of provident fund is reduced to 6, and the time coefficient of each grade is reduced by 0.3 respectively. In this way, employees with short deposit time and small account balance will be greatly affected.
This time, the loan amount calculation formula under the early warning condition is explicitly cancelled, that is, the loan amount calculation method before 202 1 is restored:
Loan amount = (balance of borrower's provident fund account and spouse's provident fund account) × 10/0× deposit time coefficient (if the account balance is less than 10000 yuan, it shall be calculated as 10000 yuan).
According to the relevant person in charge of the center, the cancellation of early warning restrictions in stages can release more stock funds, increase the amount of employee loans and meet the needs of employees for housing funds. The center will study and adapt to the health of Luoyang real estate in time according to the actual operation.
Previously, after obtaining the pre-sale certificate of commercial housing, real estate development companies could only apply for housing if the project progress reached one third.
"Measures" clearly, in the future when issuing real estate development permits, you can apply for housing publicity for the record.
Previously, the maximum loan amount of Luoyang personal housing provident fund was 450,000 yuan; The husband and wife jointly use the housing provident fund, and the maximum loan amount is 550,000 yuan; Last year (10), the Measures for Building Youth-friendly Cities with Housing Provident Fund was promulgated in late June, which stipulated that the maximum loan amount for young talents in our city was 600,000 yuan on the premise that the repayment ability would not be affected by the continuous deposit of six gold loans.
The "Measures" clarify that the maximum loan amount for both husband and wife and young talents will be adjusted to 650,000 yuan in the future.
Previously, the housing provident fund was used to buy second-hand houses, and the down payment ratio was 30% for those with a house age of less than 5 years and 40% for those with a house age of 10 years.
The "Measures" clarify that in the future, the minimum down payment ratio of second-hand housing provident fund loans will no longer set the age range, and will be uniformly implemented according to 20%.
Second, adjust the provident fund policy.
Play "combination boxing"
China securities journal reporters found that since 2022, the property market regulation policies in more than 70 cities mainly involve housing subsidies, adjustment of provident fund policies, relaxation of settlement restrictions, reduction of down payment ratio, relaxation of restrictions on sales and purchases, and reduction of loan ratio.
Many areas have played "combination boxing". Quzhou City, Zhejiang Province issued a real estate "loosening" policy, completely canceling the restrictions on sales and purchases. Families with non-local household registration who purchase newly-built commercial housing and second-hand housing in urban areas are not subject to the policy of paying social security or paying taxes for 12 months on August 7, 2002 and can only buy 1 set. At the same time, there is no restriction on the sale of newly-built commercial housing in the newly-sold plots in urban areas and newly-built commercial housing of 144 square meters or above in the sold plots.
Some areas have "loosened" the pricing of price-limited residential projects in their regions. Taking Dongguan as an example, Dongguan Housing and Construction Bureau recently issued a document to encourage projects to independently improve quality construction standards in light of actual conditions and promote residential projects to gradually achieve "high quality and good price". On the basis of meeting the basic quality indicators, the classification constraints are put forward for new commercial housing projects, and the construction costs for improving the quality construction standards are appropriately increased on the basis of the guiding price (price limit).
In terms of credit policy, Guangzhou, Suzhou and Hangzhou lowered the mortgage interest rate, and the lowest mortgage interest rate in some areas was the same as LPR.
The provident fund policy has become more flexible.
According to the incomplete statistics of china securities journal reporter, at present, nearly 20 cities such as Fuzhou, Zhuzhou, Beihai, Ziyang and Tianjin have issued provident fund policies, which mainly include increasing the amount of provident fund loans, reducing the proportion of loans, withdrawing time in advance, and allowing parents to withdraw housing provident fund to support their children to buy houses.
In terms of reducing the loan ratio, Nanping City, Fujian Province recently issued a document to adjust the use of some housing provident fund policies. The policy is clear, and the individual accounts of couples who cancel the purchase and apply for housing provident fund loans should retain the provisions on the amount collected in the last 12 months. The down payment ratio of individual housing loans for the second use of housing provident fund to purchase new ordinary commercial housing was reduced from 40% to 30%.
The Notice of Tianjin Housing Provident Fund Management Center on Issues Concerning the Purchase of the First Home and the Withdrawal of Housing Provident Fund for Affordable Housing clarifies that if employees use personal housing loans from commercial banks to purchase houses, the borrower, his spouse and parents of both parties may withdraw the housing provident fund for the down payment at one time. If an employee uses a personal housing provident fund (portfolio) loan to purchase a house, the borrower and the parents of both husband and wife can withdraw the housing provident fund at one time for the down payment.
Some areas have also played a "combination boxing" of provident fund adjustment policies. Sichuan Ziyang housing provident fund adjustment policy includes: First, increase the loan amount. The maximum loan amount is 600,000 yuan if the husband and wife of the employee family deposit the housing provident fund; If the employee's family pays the housing provident fund unilaterally, the maximum loan amount is 400,000 yuan; The maximum loan amount for the introduction of high-level talents recognized by organizations and human resources departments is 700,000 yuan. The second is to reduce the down payment ratio. Workers purchase new commercial housing (including forward housing and existing housing), which belongs to the first set of ordinary self-occupied housing, and the minimum down payment ratio is 20%; For two improved houses, the minimum down payment ratio is 30%. The purchase of re-traded housing belongs to the first set of ordinary self-occupied housing, and the minimum down payment ratio is 30%; The minimum down payment ratio for the second set of improved housing is 40%.
Zhang Dawei, chief analyst of Zhongyuan Real Estate, said that before employees buy a house, most of the provident fund is withdrawn after buying a house. Recently, some cities can return their houses in advance, which can ease the pressure on buyers and help stabilize the market.
The overall strength of "loosening" is limited.
Statistics from the Central Plains Real Estate Research Institute show that since 2022, more than 70 cities have adjusted their property market policies. Recently, Fuzhou, Zhengzhou, Harbin, Qingdao, Guangzhou and other places have successively issued new policies for the property market. The main purpose of the policy is to promote the release of just-needed and improved demand.
According to industry insiders, the moderate adjustment of the property market policy in many places will effectively alleviate the pressure on housing funds. At the same time, the further release of housing demand will drive the transaction to rise to a certain extent, ease the inventory pressure and promote the urban economic development.
Zhang Dawei said that the cities that released heavy easing policies are basically relatively deserted areas in the property market. The hotspots and cities with large price increases have basically not been significantly adjusted.
Some areas have some leeway when liberalizing the property market liberalization policy. Suzhou adjusted the policy of restricting the sale of second-hand houses from the previous five years to three years. Li, chief researcher of Guangdong Housing Policy Research Center, believes that Suzhou's sales restriction has not been completely cancelled, but it has shortened the sales restriction period and left room for subsequent regulation. If the market rebounds obviously, it can be adjusted to 5 years again.
Some regions have introduced policies to regulate the real estate market only in a specific period. Taking Huaibei City, Anhui Province as an example, the property market regulation policy introduced there shows that during the spring housing exhibition from April 30 to May 4, individuals or families can get a maximum reward of not more than 60,000 yuan for purchasing the first set of new commercial housing, and the maximum for non-first suites is not more than 40,000 yuan; The purchase of new non-residential commercial housing can also get a maximum reward of 30 thousand yuan. In addition, local and foreign residents or enterprises can also enjoy financial incentives, credit support from financial institutions and subsidies for developing enterprises when buying houses during the exhibition. In this regard, the staff of Huaibei Housing and Construction Bureau told reporters that the policy is only effective during the exhibitions, and the specific implementation methods can refer to relevant documents.
Legal basis:
Article 359 of the Civil Code of People's Republic of China (PRC) automatically renews the contract after the 70-year property right expires.
If the term of the right to use residential construction land expires, it will be automatically renewed. The payment or reduction of the renewal fee shall be handled in accordance with the provisions of laws and administrative regulations. The renewal of the right to use non-residential construction land after the expiration of the term shall be handled according to law. If there is an agreement on the ownership of houses and other immovable property on the land, it shall be handled in accordance with the provisions of laws and administrative regulations; if there is an agreement or the agreement is not clear, it shall be handled in accordance with the provisions of laws and administrative regulations.
3.202 1 When will the provident fund be adjusted?
From July, your housing provident fund may have to change!
From July 1, many places have adjusted the deposit base of housing provident fund and updated the upper and lower limits of the deposit base. Your housing accumulation fund may change.
The deposit base is adjusted to the average monthly salary of employees in 2020.
According to the Regulations on the Management of Housing Provident Fund, the monthly contribution of employee housing provident fund is the average monthly salary of the employee in the previous year multiplied by the contribution ratio of employee housing provident fund.
Under normal circumstances, the housing accumulation fund is adjusted from July 1 of the previous year to June 30 this year. So starting from July 1, a new round of adjustment cycle has arrived.
Many places have announced that from July 1 day, the base of housing provident fund deposit will be adjusted to the average monthly salary of employees in 2020.
Notice of Shenzhen Housing Provident Fund Management Center on Adjusting the Deposit Base and Deposit Ratio of 202 1 Housing Provident Fund.
Among them, Shenzhen Housing Provident Fund Management Center recently issued a notice saying that from July 1 day, 2026, all housing provident fund deposit units should adjust and implement the adjusted housing provident fund deposit base, that is, the average monthly salary of employees in 2020.
Xi Housing Provident Fund Management Center recently issued a notice saying that the payment base of employee housing provident fund in 20021year was adjusted to the average monthly salary of employees in 2020 (natural year), and the payment base was approved once a year. The implementation period of the adjusted payment base is July 20021year to June 2022.
Zhengzhou Housing Provident Fund Management Center issued a notice that the deposit base of housing provident fund will be adjusted once a year. The adjustment time of 202 1 is from July 1 day to September 30th. The deposit base of housing provident fund is calculated according to the average wage of employees in the previous year.
Therefore, if your average monthly salary rises in 2020 and the contribution ratio remains unchanged, then after adjusting to the new contribution base, the amount of housing provident fund you pay each month will increase and the salary bar will change.
take for example
If your average monthly salary is 5,000 yuan in 20 19, it will rise to 6,000 yuan in 2020, and the contribution ratio will remain at 12%. After adjusting the contribution base, the monthly contribution of individual and unit housing provident fund will be increased from 1200 yuan to 1440 yuan, and the 240 yuan will be increased.
Determination of the upper and lower limits of the deposit base of new housing provident fund
Housing provident fund is not how much you want to pay, there are upper and lower limits. The upper limit shall not be higher than 3 times the average monthly salary of employees in the previous year announced by the statistical department of the city where the employees are located. The lower limit is clearly not lower than the local minimum wage.
With the publication of the average monthly wage data of employees in 2020, the upper limit of the deposit base of housing provident fund in many places has also been raised.
For example, Shenzhen has made it clear that the adjusted deposit base will not exceed three times the average monthly salary of employees in the city in 2020, that is, it will not exceed 34,860 yuan. If it exceeds the above limit, the limit shall be used as the deposit base. The adjusted deposit base shall not be less than 2200 yuan.
Xi 'an made it clear that the upper limit of the deposit base of 202 1 housing provident fund should not be higher than three times the average monthly salary of employees in non-private units in Xi in 2020, that is, 24,829 yuan. The lower limit of the deposit base shall not be lower than the minimum wage standard of Xi.
Zhengzhou has determined that the upper limit of the monthly deposit base of 202 1 housing provident fund is 22,367 yuan, and the upper limit of the monthly deposit of housing provident fund is 5,368 yuan. According to the minimum wage standard of Zhengzhou in 2020, 1.900 yuan, the lower limit of the monthly deposit base of housing provident fund is 1.900 yuan, and the lower limit of the monthly deposit amount of housing provident fund is 1.900 yuan.
There are also upper and lower limits on the deposit ratio. According to the regulations, the lower limit of the unit and employee housing provident fund deposit ratio is 5%, and the upper limit is 12%. Units can independently determine the deposit ratio within the prescribed upper and lower limits of the deposit ratio.
How to inquire whether the deposit base has been adjusted?
Starting from July, many units will adjust the payment base of employees' provident fund according to the average monthly salary of employees in the previous year. How to inquire whether the deposit base of your own housing provident fund has been adjusted?
There are many ways to query.
You can check online, enter the local provident fund management center official website or APP, and log in to the personal provident fund account. Or through third-party applications such as Alipay, you can also call the housing provident fund hotline 12329 for telephone inquiry. You can also choose offline inquiry and bring ID cards and other documents to the service hall of the local housing provident fund management center for inquiry. Of course, you can also consult and confirm with the unit manager.
Four, the new year began to tighten the provident fund loan policy.
The "Notice" also stipulates that the purchase of the first set of housing shall not be higher than 70% of the total housing price. This means that the preferential policy of 20% minimum down payment for the first purchase of self-occupied housing below 90 square meters has been cancelled, and the minimum down payment for the first home provident fund loan has been raised to 30%. Dongguan's policy adjustment also stipulates that "two-suite housing" is recognized as a second suite, and loans are not allowed for "multi-suite housing" and individual housing accumulated 10 times in loans overdue. The news from official website, Jinhua Housing Provident Fund Management Center, also shows that since February 4th, the maximum loan limit standard of housing provident fund in Jinhua City has been lowered by 654.38+million yuan, that is, from the original maximum loan of 300,000 yuan to 200,000 yuan. In addition, Chengdu recently heard the news that the provident fund stopped lending. Although the official denied this, the local media quoted the person in charge of the Sichuan Housing Provident Fund Management Center as saying that Chengdu's housing provident fund is indeed brewing adjustment. This has happened in many places, and the number of people asking how to withdraw the provident fund has increased sharply recently!