static/uploads/YC/2022 1 1 18/9 eafb 67 EDA 3 fbaa 9 16 aff 6c 6725 197 B4 . png " width = " 484 " height = " 300 "/>
Conditions for withdrawal of housing provident fund
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(five) to repay the principal and interest of the owner-occupied housing loan;
(six) the rent expenditure exceeds 5% of the family wage income;
(seven) life is difficult, is receiving the city minimum living allowance;
(eight) the occurrence of unexpected events, causing serious difficulties in family life;
(nine) the termination of labor relations between migrant workers and units;
(10) Being sentenced to death, life imprisonment or fixed-term imprisonment, and reaching the statutory retirement age of the state after serving his sentence;
(eleven) dead or declared dead;
(twelve) other circumstances stipulated by the housing provident fund management committee.
The interest rate of housing provident fund loans will be lowered this month.
During the period from June 5438+1 October1to February 3 1 in 2022, the provincial provident fund center newly issued the first set of personal housing provident fund loans 1 185 and 742 million yuan, all of which have been calculated according to the lowered interest rate, and it is expected to save interest expenses for loan employees/.
According to the regulations, from June 65438+1 October1day in 2023, the existing housing provident fund loans will be subject to the new interest rate according to the corresponding interest rate grade, and the unified calculation rules for loan interest adjustment of the housing provident fund system in the province will be implemented. Under the repayment method of equal principal and interest, the repayment amount of June 65438+ 10 in 2023 remains unchanged, of which the interest part is calculated by sections according to the old and new interest rates, and the remaining loan principal directly offsets the excess part; Since February, the monthly repayment has been recalculated and reduced according to the new interest rate. Under the average capital repayment method, the principal of the repayment amount in June 5438+ 10 remains unchanged, and the interest is calculated in sections according to the old and new interest rates, and the monthly repayment amount is reduced; Since February, the repayment amount has been reduced by recalculating at the new interest rate. Please refer to the following case for details:
Case study of equal principal and interest repayment method
Zhang San, the provident fund loan is 500,000 yuan with a fixed term of 30 years. Repayment with equal principal and interest is adopted. The interest rate of the first home provident fund loan is 3.25%, the monthly payment is 2 176.03 yuan, and the repayment date is the 8th of each month. The 45th installment of 65438+February 8, 2022 is 2 176.03 yuan, of which the principal is 925.73 yuan, the interest is 1250.30 yuan, and the remaining principal is 460724.43 yuan. The repayment interest of 5438+ 10 in June 2023 is calculated by installments, in which the loan interest rate from February 9, 2022 to February 3, 2022 is calculated at 3.25%, and from June 65438+ 10 to June 8, 2023. 460724.43__3.25%/360 days __23 days +460724.43__3. 10%/360 days __7 days = 1234.35. In 20231October 8th, 65438, the repayment amount was still 2 176.03 yuan, of which the principal was 94 1.68 yuan and the interest was 1234.35 yuan. Although the repayment amount has not changed, the interest has been recalculated according to the adjusted interest rate, and the saved interest has repaid part of the principal. From February 2023, the repayment will be made at the interest rate of 3. 10%, and the monthly repayment amount will be reduced to 2 139.37 yuan.
A Case Study of average capital Repayment Law
Li Si, the provident fund loan is 770,000 yuan with a fixed term of 20 years. Repayment of equal principal is adopted. The interest rate of the first home provident fund loan is 3.25%, and the first month repayment is 6,352.50 yuan, of which the principal is 3,208.33 yuan, and the interest is 3 144. 17 yuan, and the repayment date is the 9th of each month. 4920. 1 1 yuan was repaid in the 44th installment on February 9, 2022, in which the principal was 3,208.33 yuan, the interest was171.78 yuan, and the remaining principal was 628,833.48 yuan. The repayment interest on June 5438+ 10 is calculated by stages, in which the loan interest rate from June 5438+February 10 to June 5438+February 3 1 is calculated at 3.25%, and in June 2023, it is calculated at 5438+1. 628833.48__3.25%/360 days __22 days +628833.48__3. 10%/360 days __8 days = 1682. 13. On October 9, 2023/kloc-0, the repayment amount decreased to 4,890.46 yuan, of which the principal remained unchanged at 3,208.33 yuan and the interest was 1682. 13 yuan. From February 2023, all repayments will be made at the interest rate of 3. 10%, and the repayment amount in February will be reduced to 4,824.53 yuan, and there will be corresponding changes every month in the following months.
What is the new housing provident fund policy?
The new housing provident fund withdrawal policy is limited, and the following conditions shall be met according to the relevant provisions:
(a) the unit where the employees work and the employees themselves pay the housing provident fund in full every month.
(two) in accordance with the provisions of article twenty-fourth of the regulations on the administration of housing provident fund:
1, purchase, build, renovate and overhaul owner-occupied housing; Among them, "purchase" means that employees buy houses and have the ownership of the houses they buy, which can be public houses, commercial houses, affordable housing and second-hand houses. "Construction" refers to houses built by urban residents with the approval of real estate management agencies, urban planning management agencies and other departments; "Renovation" refers to the complete demolition, design and reconstruction of houses; "Overhaul" refers to the need to affect or dismantle some major components of the house, but it is not necessary to completely demolish the house.
2. Retired workers.
3, completely lose the ability to work, and terminate the labor relationship with the unit.
4. Those who go abroad to settle down.
5. Repay the principal and interest of the house purchase loan.
6, the rent exceeds the prescribed proportion of family wage income.
7. The general procedure for withdrawing housing provident fund when an employee dies or is declared dead is as follows:
(1) First, apply to the company. The unit shall review the relevant certificates submitted by individuals, and after meeting the extraction conditions, fill in the Approval Form for Individual Extraction of Housing Provident Fund, and affix the reserved seal.
(2) The handling personnel of the unit or individual employees shall go to the provident fund center (hereinafter referred to as the opening provident fund center) for examination and approval with the Approval Form for Individual Withdrawal of Provident Fund together with the original and photocopy of relevant certification materials. After the approval of the provident fund center is completed, the special seal for approval of provident fund shall be affixed to the Approval Form for Individual Withdrawal of Provident Fund filled in by the unit.
(3) The handling personnel or individual employees of the unit go to the provident fund center where the account is opened to handle the transfer business with the Approval Form for Personal Withdrawal of Provident Fund approved by the provident fund center and the Transfer Voucher of Housing Provident Fund Management Center filled in and signed by the unit, and the provident fund center will transfer the housing provident fund applied by employees to the basic settlement account of the unit, and the unit will take it out and pay it to the employees. The above is the answer to the new policy of housing provident fund.