when will the new provident fund policy be implemented in p>221?
Zhuzhou provident fund policy will be adjusted from July 1st. From July 1st, Zhuzhou City will implement the new housing provident fund use policy. This new policy has made nine specific adjustments to the housing provident fund loan and withdrawal policy.
1 Adjust the calculation formula of loan amount
The calculation of personal loan amount of housing provident fund in our city will be based on the account balance, and the calculation formula will be changed to: "(the balance of the borrower's housing provident fund account+* * is the same as the borrower's housing provident fund account balance) ×N times. The multiple of n is between 15 and 2. " Authorized by the management Committee, the n multiple is now set at 2 times.
2 Adjust the down payment ratio of housing loans
The minimum down payment ratio is adjusted as follows:
For those who apply for housing provident fund loans for the first time, for those who apply for housing provident fund loans for the second time but buy the only house in the family, the minimum down payment ratio is 2%
For those who apply for housing provident fund loans for the second time, the minimum down payment ratio is 5%.
that is, under the policy of "one guarantee, two restrictions and three prohibitions" in advance, the minimum down payment ratio of the second loan for the second suite is 5%, and all other eligible minimum down payment ratios are 2%.
3 Adjustment of the method for determining the number of housing units
The standard for determining the number of housing units for employees' families is adjusted to "subject to the verification results of the real estate right information system connected to the central network, including the personal credit report of the People's Bank of China and other materials showing that the individual housing is owned outside the administrative area of Zhuzhou City."
4 Adjustment of the method for determining the house value
The standard for determining the total house price of second-hand housing loans is adjusted to "the lower value of the house transaction contract price and the house evaluation price on the house transaction declaration form issued by the tax department is determined as the total house price".
5 Cancel the first loan limit for non-complete houses
Cancel the stipulation that "the purchase of non-complete houses (non-second-hand houses with a height not exceeding 3.5m) must be the first housing provident fund loan".
6 Determination of ownership share of owner-occupied housing
A new provision is added: "If the ownership share of owner-occupied housing is not clear, the loanable amount shall be calculated according to the equal share".
7 Cancel the loan settlement and withdraw the provident fund
Cancel the provision that "the local housing provident fund loan shall be repaid, and the provident fund has not been withdrawn during the repayment period (including hedging repayment), and the loan has been settled by self-financing, which shall be handled within 3 months from the date of loan settlement, and the withdrawal amount shall not exceed the loan amount."
8 Adjust the time limit for withdrawal of resignation
Adjust the time limit for withdrawal of resignation to "dissolution or termination of labor relations for more than one year, failure to deposit housing provident fund in another place and continuous sealing of personal account for more than one year (no record of deposit or payment in the last year) or above."
9 Adjust the extraction time limit for the purchase of re-traded housing
Adjust the extraction time limit for the purchase of re-traded housing in this city to "more than one year and less than two years from the date of issuing the title certificate of immovable property".
new policy of housing provident fund withdrawal 221
1. The restriction of the proportion of rent expenditure to household income is abolished, and it is not necessary to provide tax payment certificate and lease contract filing. The Ministry of Housing and Urban-Rural Development and other departments jointly issued new regulations to relax the conditions for employees to withdraw housing provident fund to pay rent.
2. The Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the Central Bank have issued a notice: employees have paid the housing provident fund in full for three consecutive months, and if they and their spouses have no own housing in the city where they have paid and rent a house, they can withdraw the housing provident fund of both husband and wife to pay the rent. As long as the provident fund has been continuously paid for 3 months, you can withdraw the housing provident fund to pay the rent without rent invoices and tax stamps. If you rent commercial housing, you need to provide proof that you and your spouse have no real estate. The local housing provident fund management committees will determine the rental withdrawal amount according to the local market rent level and rental housing area. Rental of public rental housing needs to provide a housing lease contract and proof of rent payment, and be fully extracted according to the actual rent expenditure.
In p>221, many places made new adjustments to the provident fund. In addition to buying a house, you can also withdraw the provident fund under the following circumstances.
1. Rent: According to statistics, there are 2 million tenants in China. For these 2 million people, the rent is the main part of the expenditure. The monthly salary may be 3, to 4,, and the rent will exceed that of 1 yuan. The pressure is really great. If you have a housing provident fund, but you don't buy a house, but rent a house, you can apply for withdrawing the provident fund to pay the rent. Of course, the amount of provident fund withdrawn from the housing application is not much, and it varies according to the regulations of various regions. Generally, it can withdraw 4,5 yuan every quarter, and you can apply for withdrawal in one year.
2. House decoration: When the house you live in needs to be decorated, you can apply to the bank for a one-time withdrawal, which can save a sum of money. It should be noted that the total amount of such withdrawal cannot exceed the cost of decoration.
The above is about when the new provident fund policy will be implemented in 221 and the introduction of the new housing provident fund withdrawal policy in 221. Housing provident fund has always been a concern of everyone, and housing provident fund loans have greatly helped those who just need to buy houses to reduce the pressure on housing prices. The new policy of adjusting provident fund loans has brought more benefits to property buyers. You can learn about it. For more provident fund loan interest rates, please continue to pay attention here.