The policy of provident fund is: consume first and then withdraw,

Partial withdrawal of provident fund refers to the withdrawal of provident fund by the depositor according to the requirements of partial withdrawal of provident fund. The maximum withdrawal amount is: all remaining in the account 10 yuan. Take Guangzhou as an example:

Guangzhou housing provident fund loan policy has not been tightened.

Recently, some local media reported that Guangzhou's housing provident fund loan policy was tightened again, and pointed out that in the recent notice of the center, it was clear that housing provident fund loans could be used to purchase parking spaces. In the past few days, the center has received a large number of telephone inquiries from citizens, which has caused the business consultation telephone to be busy for a long time, causing inconvenience to some employees who consult normal business. In this regard, the Centre reiterates that:

1. The center has not issued any notice on the adjustment of housing provident fund loan policy recently.

Two, the purchase of parking spaces, shops and villas, can not apply for housing provident fund loans.

Money, also can't extract housing provident fund.

3. For families (including borrowers, spouses and minor children, the same below) who purchase the first home with a building area of less than 90 square meters in Xing Tao or affordable housing according to regulations, the down payment ratio for applying for housing provident fund loans shall not be less than 20%, and for families who purchase the first home with a building area of more than 90 square meters in Xing Tao, the down payment ratio shall not be less than 30%.

4. To purchase a second house, the down payment ratio for applying for housing provident fund loan shall not be less than 60%, and the loan interest rate shall be 1. 1 times of the benchmark interest rate of the same grade in the same period.

Five, suspend the payment of housing provident fund loans to the families of workers who have paid the housing provident fund to buy the third and above houses.

Six, the calculation of housing provident fund loan period, the minimum can not exceed the different housing properties (first-hand or second-hand buildings) and the borrower's loan period. Namely:

1. The longest term of first-hand real estate loans shall not exceed 30 years, and the longest term of second-hand real estate loans shall not exceed 20 years.

2. The sum of the borrower's age and the loan term shall not exceed 5 years after the statutory retirement age. The legal retirement age is 55 for women and 60 for men.

Borrowers of different ages apply for loans at the same time, subject to the longest loanable period.

Guangzhou housing fund management center

June 29, 2111

2. What are the consequences of withdrawing provident fund in the name of unemployment?

Unemployment can draw provident fund, which meets the standards and requirements for drawing provident fund. In particular, users who have left their jobs and have not found a job can withdraw the provident fund for use.

Unemployed people withdraw the balance of housing provident fund, which needs the local government to verify and issue a certificate of withdrawal. After the user handles the relevant certificates, he can withdraw the provident fund if he is unemployed, which meets the standards and requirements for withdrawing the provident fund. In particular, users who have left their jobs and have not found a job can withdraw the provident fund for use.

Unemployed people withdraw the balance of housing provident fund, which needs the local government to verify and issue a certificate of withdrawal. After handling relevant certificates, users can apply to the housing provident fund management center for withdrawal of housing provident fund.

Moreover, there is no conflict between withdrawing provident fund and receiving unemployment benefits. As long as the user meets the conditions for withdrawing provident fund and receiving unemployment benefits, it can be handled.

However, the amount of the provident fund account will affect the subsequent mortgage application amount, so users are not advised to withdraw the amount of the provident fund without necessity.

3. Can I still use the housing provident fund after resigning?

You can't enjoy the housing provident fund loan after resigning.

First, the housing accumulation fund can be paid jointly by units and individuals, or by individuals alone. Of course, resignation will have an impact, that is, the proportion will be less. In the past, companies and individuals together accounted for 14% of wages (each accounting for 7%), but now the company no longer pays wages, and how much money has been added to the account?

Second, after resigning, you can hand it in yourself, you can go to the street to apply for a freelance card, and then go through the registration formalities at their designated unit, and you can use the designated China Construction Bank or other banks to hand it in.

Most people will use loans when buying a house, and as long as the unit pays the provident fund, they will not hesitate to use the provident fund loan, which is much more cost-effective than commercial loans.

However, many netizens will face such a problem. If I resign, what should I do if the house I bought with the provident fund loan has not been paid off?

First of all, after leaving the job, according to different situations, the provident fund has different treatment methods. Specifically, there are two kinds: working locally after leaving office and working in the field after leaving office. Simply because of leaving the job, the small partners in urban hukou can't withdraw the provident fund, but the small partners in agricultural registered permanent residence can withdraw the housing provident fund and cancel the account.

Fourth, the employee housing provident fund has not been paid since 2006. See if it still works. Need to continue to hand it in. No, the company didn't pay after the buyout in 2006.

1, the withdrawal of housing provident fund is not affected by the suspension of payment; 2. If you have a discussion, you should hand it in. After all, this is the welfare of employees.