According to the Opinion Draft, employees are supported to rent affordable rental housing. For employees who have paid the housing provident fund in full for three consecutive months and rented affordable rental housing in Tianjin, the employees themselves and their spouses can apply for withdrawing the housing provident fund, and the total monthly withdrawal amount does not exceed the rent paid in the current month, and the total amount does not exceed 2,4 yuan.
In terms of supporting employees' basic housing demand, Tianjin has paid employees to apply for individual housing provident fund loans to purchase the first family home, with a maximum loan of 8, yuan.
Tianjin Housing Provident Fund Management Center said that in 216, due to the high utilization rate of housing provident fund funds, Tianjin adjusted the maximum amount of personal housing provident fund loans from 8, yuan to 6, yuan, stipulating that "the maximum amount of loans for employees' families who purchase the first home is 6, yuan; If you buy a second house, the maximum loan is 4, yuan. " Compared with the housing price level in Tianjin and the loan demand for employees to buy basic housing, there is still room for improvement in the maximum amount of personal housing provident fund loans, and the current utilization rate of housing provident fund funds can also meet the needs of increasing the loan limit.
In order to prevent the risk of liquidity and ensure that employees can get housing provident fund loans in time when funds are tight, the Opinion Draft intends to stipulate that the utilization rate of housing provident fund funds in Tianjin will exceed 9% for three consecutive months, and the municipal housing provident fund management center should report to the office of the municipal housing provident fund management committee and make an announcement to the public, and reduce the maximum amount of the first set of housing loans to 6, yuan from the 1st of the following month; If the utilization rate of housing provident fund funds is less than 85% for three consecutive months, the maximum amount of the first set of housing loans will be raised to 8, yuan according to the same procedure.
According to the data disclosed by Tianjin Housing Provident Fund Center, in the first quarter of 222, 2.71 million employees from 8, units in Tianjin paid 15.6 billion yuan in housing provident fund. By the end of the first quarter, the city had accumulated 581.72 billion yuan of housing provident fund, with a balance of 182.4 billion yuan. In the first quarter of 222, the city drew 1.93 billion yuan from housing accumulation fund, including 7.35 billion yuan from loan repayment, 1.8 billion yuan from house purchase and renovation, 1.55 billion yuan from retirement, and 95 million yuan from other reasons, accounting for 67.2%, 9.9%, 14.2% and 8.7% of the total withdrawal respectively. By the end of the first quarter, Tianjin had accumulated 399.32 billion yuan of housing accumulation fund.
Previously, Tianjin issued the Notice on Issues Concerning the Purchase of the First Home and the Withdrawal of Housing Provident Fund from Affordable Housing, which mentioned that when employees purchase the first home and affordable housing in Tianjin, not only the employees themselves and their spouses, but also their parents can apply for the withdrawal of housing provident fund.