Provident fund loans have become the most affordable means of buying houses. This year, the central bank has cut interest rates and RRR many times, and the provident fund policy has been adjusted many times. So what has Longnan's provident fund policy adjusted? With these questions, let's go to the provident fund to find out. This year, the National Housing Provident Fund Management Committee issued a new housing provident fund policy twice in a row, which lowered the threshold for loans and withdrawals in an all-round way, relaxed restrictive conditions, increased the amount of loans and withdrawals, and actively and effectively promoted the sustained, stable and healthy development of Linxia real estate industry. It is understood that employees who have paid the housing provident fund in full for 6 months can apply for housing provident fund loans; The maximum loan amount for employees will be raised to 350,000 yuan; The longest repayment period is extended to 5 years after retirement; Cancel the restriction that the purchase area is used as the basis for dividing the down payment ratio, and the down payment for the second set of loans will be reduced to 30%; If the paid workers buy houses in different places or other housing provident fund management centers, they can apply for housing provident fund personal housing loans to the state housing provident fund management center when buying houses in Linxia; Housing provident fund personal housing loan guarantee is mainly based on purchased housing mortgage loans; Fully implement online three-level approval and shorten the time limit for loan approval; Cancel the restriction that the loan can be repaid one year in advance. The new regulations further relaxed the housing provident fund withdrawal policy. Workers paid the housing provident fund in full for three consecutive months. If my spouse and I don't own a house in the deposit city and rent a house, we can withdraw the housing accumulation fund of both husband and wife to pay the rent. Cancel the restriction that the withdrawal amount does not exceed 80% of the account balance. The withdrawal scope includes: the accumulated withdrawal amount of the housing accumulation fund of the person, spouse, parents and children shall not exceed the total purchase price, and the personal account shall be left with a full one-month balance after withdrawal. If you choose a loan, you can withdraw the housing provident fund of your parents and children, but you can't withdraw the housing provident fund of yourself and your spouse; During the period of returning the housing provident fund loan, the balance of housing provident fund of myself and my spouse can be written off once a year; Cancel the provision that commercial banks are not allowed to withdraw housing loans again within two years during the repayment period, and cancel the provision that they are not allowed to withdraw after all loans are paid off; Paid employees can apply for a one-time withdrawal of housing provident fund for themselves, their spouses, parents and children by virtue of the purchase contract within three years or the "Property Ownership Certificate" within two years, and the withdrawal amount shall not exceed the total payment for the purchase; Employees who have paid the housing provident fund in full for five years or more and have never withdrawn the housing provident fund or applied for housing provident fund loans in other forms can withdraw the housing provident fund once a year for housing consumption with the housing ownership certificate of the employee himself or his spouse. The withdrawal amount shall not exceed 50% of the deposit amount of the housing provident fund of the current year for me and my spouse respectively.