All deposit units and employees:
In order to give full play to the role of housing provident fund in benefiting people's livelihood and promoting development, ensure the earmarking of housing provident fund, fully implement the requirements of "one city and one government", and make appropriate adjustments to the current housing provident fund personal housing loan and withdrawal policy of the center. The specific matters are notified as follows:
First, the housing provident fund individual housing loan policy adjustment
(a) to apply for provident fund loans, it shall meet the loan conditions of continuous full deposit of housing provident fund 12 months or more (inclusive);
(two) under the premise of not exceeding the maximum amount of a single loan, you can apply for a provident fund loan amount, which is 20 times the sum of the borrower's personal account balance and the borrower's housing provident fund balance for the first time; The second loan is 10 times of the sum of the borrower's personal account balance and the borrower's housing accumulation fund;
(three) the second application for provident fund loans, the down payment ratio shall not be less than 50% of the total purchase price;
(four) to stop the provident fund loan for more than three times.
The second is the adjustment of housing provident fund withdrawal policy.
(1) Cancel the down payment withdrawal policy for provident fund loans, and employees who have paid individual housing provident fund loans before February 16, 2020 (including February 16) and meet the requirements for central down payment withdrawal can still withdraw the down payment for housing provident fund loans;
(two) cancel the major diseases, children of low-income families admitted to the university, family property suffered heavy losses and other policies to extract people's livelihood subsidies;
(three) allow workers' families to withdraw housing provident fund to pay for the installation of elevators in existing houses.
This notice shall come into force on February 17, 2020, and the center shall be responsible for the interpretation of the contents of the notice.
I hereby inform you.
Changchun province housing fund management branch
In order to further standardize the individual housing provident fund loan business in our city, better reflect the mutual assistance and fairness of the housing provident fund system, and effectively promote the differentiated credit policy, the fifth meeting of the third session of the Municipal Housing Provident Fund Management Committee deliberated and passed, and the ninth content of the Measures for the Administration of Individual Housing Provident Fund Loans in Jilin City was added from 20 17 1, that is, the loan amount shall not be higher than the balance of the housing provident fund account of the borrower and his spouse.
"Checking the loanable amount according to the multiple of the balance of the provident fund account" means that on the basis of the existing method of checking the loanable amount, the balance of the individual provident fund account is fully considered, and 10 times of the balance of the applicant's and his spouse's housing provident fund account is taken as the loanable amount; If the account balance is less than 20,000 yuan, it shall be calculated as 20,000 yuan. This policy applies to housing provident fund loans in different places and discount loans from public developers. This policy is based on the advanced practices of provident fund in most cities in China and the actual situation of provident fund loans in our city.
At this time, the loanable amount of individual housing provident fund will be affected by four situations.
First, the loan amount shall not be higher than the loan limit determined by the loan ratio of the total purchase price. For example, the current policy of our city is that the down payment of the first-time housing provident fund is not less than 20%, that is, the loan amount does not exceed 80% of the total house price;
Second, the loan amount shall not be higher than the loan limit determined according to the repayment ability. The current policy is that the monthly repayment amount should not exceed 60% of the family income in that month;
Third, the loan amount shall not be higher than the maximum loan limit. The current policy of our city is that the loan limit for single-employee families is 400,000 yuan and that for dual-employee families is 600,000 yuan.
Fourth, the loan amount shall not be higher than 10 times the balance of the housing provident fund account of the borrower and his spouse, and the balance of the account is less than 20,000 yuan.
If the amount of personal housing provident fund loan applied by the borrower exceeds any of the above items, the minimum approved amount shall be taken as the loan amount. If the approved loanable amount cannot meet the housing needs of employees, employees can choose provident fund portfolio loans to solve the funding problem. The loan condition is 1, and valid identification;
2, from the opening of the housing provident fund account, continuous, normal and full payment of housing provident fund for not less than half a year; Have a stable economic income and the ability to repay the principal and interest of loans;
3. Have a stable economic income and the ability to repay the loan principal and interest;
4. There are no outstanding loans, and the credit is good.