Regulations on provident fund management, new policy in 2022.

1. Article 1 These Regulations are formulated in order to strengthen the management of housing provident fund, safeguard the legitimate rights and interests of the owners of housing provident fund, promote urban housing construction and improve the living standards of urban residents.

Article 2 These Regulations shall apply to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC). The term "housing accumulation fund" as mentioned in these Regulations refers to state organs, state-owned enterprises and urban collective enterprises.

3. The housing provident fund paid by individual employees and the housing provident fund paid by the employee's unit for employees belong to individual employees.

4. Housing provident fund management should follow the principles of decision-making of housing provident fund management committee, operation of housing provident fund management center, special bank account storage and financial supervision.

According to the latest policy, in 2022, if both husband and wife pay housing provident fund, the maximum loan amount will be 600,000 yuan when handling provident fund loans. In the past, the maximum loan amount was 500,000, a relative increase of 654.38+10,000, which should be regarded as good news for everyone. 1. The loan amount is determined according to the borrower's repayment ability. The calculation formula is: the amount of housing provident fund paid by the borrower per month ÷ the proportion of housing provident fund paid by the borrower × individual repayment ability coefficient (currently 0.45)× 12 (month )× actual loanable years. If both husband and wife have paid the provident fund and borrowed jointly, the loan amount shall be the sum of the loan amounts calculated by both husband and wife.

2, the provisions of the maximum amount of personal loans. At present, the maximum loan for employees who have paid the housing provident fund is 300,000 yuan; For employees whose husband and wife both pay housing provident fund, the maximum loan amount is 600,000 yuan.

3. The maximum loan amount for the purchase of commercial housing shall not exceed 80% of the total purchase price; For the purchase of second-hand houses, the loan amount shall not exceed 70% of the total purchase price.

Provident fund loan policy

The loan provisions of the Provident Fund are as follows:

1, the identity is legal and valid;

2. Have full capacity for civil conduct;

3. Have a stable occupation and income, good credit status and the ability to repay loans;

4, purchase, construction, renovation, overhaul occupied housing;

5, with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related documents;

6, in line with the provisions of the housing provident fund management center housing provident fund deposit conditions; The loan applicant must pay the housing provident fund in full for 6 months or more; Normal deposit includes continuous monthly deposit, early deposit and supplementary payment of housing provident fund, and it is in the state of deposit when applying for a loan;

7. Provide the guarantee recognized by the housing provident fund management center;

8. The borrower and his wife have no outstanding housing provident fund loans or housing provident fund policy discount loans;

9, in line with other conditions stipulated by the housing provident fund management center.

Housing provident fund loan amount

Provident fund loan amount refers to the maximum loan amount that an individual can apply for when using provident fund loans. Only employees who have permanent residence in local cities and towns, have established the housing provident fund system for more than 2 years, and have paid the housing provident fund according to regulations can enjoy the provident fund loan when the funds for purchasing or building houses or renovating or overhauling their own houses are insufficient. The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of the borrower. The calculation method of provident fund loan amount is as follows:

1, calculate the loan amount according to the repayment ability.

The calculation formula is:

[(total monthly salary of the borrower, monthly contribution of the borrower's housing provident fund) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan term (month).

2. according to the number used by the spouse

[(total monthly salary of husband and wife, monthly contribution of housing provident fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife ]× loan term (month).

Among them, the repayment ability coefficient is 40%.

Total monthly salary = monthly contribution of provident fund ÷ (proportion of unit contribution and proportion of individual contribution)

3. The loan amount calculated according to the house price

The calculation formula is: loan amount = house price × loan ratio.

4. The loan amount is calculated according to the maximum loan amount.

If I use my housing provident fund to apply for housing provident fund loans, the maximum loan amount is 400,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the maximum loan amount is 600,000 yuan. I use my housing provident fund to apply for a housing provident fund loan, and if I normally repay the housing provident fund when applying for a loan, the maximum loan amount is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, and the spouse or I normally pay a supplementary housing provident fund when applying for a loan, the maximum loan amount is 700,000 yuan.

Legal basis:

Regulations on the administration of housing provident fund

Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.

The risk of housing provident fund loans shall be borne by the housing provident fund management center.

Please click to enter the picture description (maximum 18 words).

Qingdao provident fund loan policy 2022

What are the new contents of Qingdao housing provident fund new policy?

For those who purchase new houses (including affordable housing) in six districts of Qingdao and apply for housing provident fund loans for the first time and the second time, the minimum down payment ratio will be increased from 20% to 30%, and the policy of linking the down payment ratio with the age of the house will continue to be implemented.

First, apply for housing provident fund loans for the first time and the second time, and the minimum down payment ratio will be increased from 20% to 30%.

Second, if you buy a second-hand house in our city and apply for housing provident fund loans for the first time and the second time, the minimum down payment ratio will be raised from 30% to 40%. At the same time, continue to implement the policy of linking the down payment ratio with the age of the house, specifically: if the age of the house is less than 10 year, the down payment ratio shall not be less than 40%; If the room age exceeds 10 year (excluding 10 year), the down payment ratio will increase by 10% every five years.

Third, continue to implement the policy of not accepting housing provident fund loans for three times or more.

Fourth, the implementation of the New Deal is based on the time when the online purchase contract is signed (or the contract is signed and the down payment is paid).

In addition, the purchase of new housing to apply for housing provident fund loans is still subject to the provisions that the purchased real estate projects have been capped and the municipal housing provident fund management center has signed a loan cooperation agreement with the developer.

Whether it is the first suite, the second suite or the second-hand house, the down payment ratio in this New Deal has been raised accordingly. The most important thing is that the New Deal has implemented the online signing of the purchase contract for the record, and the transition period is only one month. When people buy a house in the near future, they must pay attention to the time point of the new policy and make clear the corresponding contract terms with the developer before buying a house, so as not to cause subsequent contracts.

Chongqing Provident Fund New Policy 2022

I. Loan amount

(1) Loan amount

Housing provident fund Personal housing loan The personal loan amount is 25 times of the balance of the housing provident fund account, with a maximum amount of 500,000 yuan for individuals and 600,000 yuan for families with many children.

The loanable amount of both husband and wife participating in the loan is calculated by adding the loanable amount of employees and their spouses, and the total amount of a single housing provident fund loan does not exceed 6,543,800 yuan; The total amount of loans for families with many children jointly participated by husband and wife shall not exceed 6.5438+0.2 million yuan.

(2) Percentage of loans

If the employee's family deposits the employee to purchase the first set of housing, the maximum loan ratio of the housing provident fund personal housing loan is 80% of the value of the purchased housing;

If the employee's family pays the employee to buy a second house, the maximum loan ratio of the housing provident fund personal housing loan is 70% of the value of the house purchased, and the maximum loan ratio of the employee's family with many children is 75% of the value of the house purchased.

(3) Other provisions.

1, the employee's family buys the first second-hand house, and the maximum loanable amount is 80% of the lower of the appraised value of the purchased house and the transaction amount filed by the real estate registration agency;

For the second set of second-hand houses purchased by employees' families, the maximum loan can be 70% of the lower of the appraised value of the houses purchased and the transaction amount filed by the real estate registration agency;

When a family with many children buys a second-hand house, the maximum loan amount is 75% of the lower of the appraised value of the house purchased and the transaction amount filed by the real estate registration agency;

The amount of the first-hand housing replacement loan shall not exceed the remaining principal balance of the original loan at the time of application;

Second-hand housing replacement loans should comply with the provisions of the first-hand housing replacement loans and second-hand housing mortgage loans.

2. The monthly debt paid to the employee's family shall not exceed 50% of the family's monthly income.

Second, the loan interest rate.

The personal housing loan interest rate of housing provident fund shall be implemented in accordance with the provisions of the People's Bank of China, and adjusted with the interest rate adjustment of the People's Bank of China.

At present, the annual interest rate of loans with a term of less than five years (inclusive) is 2.6%, and that of loans with a term of more than five years is 3.1%;

If the employee's family pays the employee to buy a second house, the annual interest rate of the loan for five years or less is 3.025%, and the annual interest rate of the loan for more than five years is 3.575%.

Third, the loan term.

The longest term of housing provident fund personal housing loan is 30 years, and the maturity date of the loan shall not exceed 5 years after the borrower's statutory retirement time.

Fourth, the loan participation regulations.

The borrower's spouse with full capacity for civil conduct may participate in the loan (hereinafter referred to as "participating in the loan") when the housing provident fund has been paid in full and on time for more than half a year. Where the husband and wife jointly participate in the loan, the loanable amount issued to the employees and their spouses is calculated as the personal loanable amount, and the borrower's spouse's participation in the loan is regarded as the * * * of the housing provident fund personal housing loan.

Verb (abbreviation for verb) Other policies and regulations

According to the relevant policies and regulations of the state and our city, provident fund loans support the reasonable housing needs of employees, and do not accept personal housing loans for the purchase of third and above houses and "three noes" personnel housing provident fund.

(1) Criteria for determining the number of newly purchased housing units:

In the aspect of "recognizing housing", when employees' families buy new housing in the central city, they only recognize the number of housing units in the central city; When employees' families buy new houses in counties outside the central city, determine the number of housing units within the city;

In the aspect of "loan identification", only the individual housing loan records of housing provident fund are included in the verification scope.

(two) replacement loan housing demolition standards:

In addition to housing and commercial housing loans for the purchase of housing, there is no record of housing loans paid to employees' families, and there is no housing in this city.

(3) Identification of "three noes":

Refers to individuals who have no household registration, no enterprise and no job in Chongqing at the same time.

1. "Household registration" refers to the household registration of the purchaser in Chongqing;

2. "Self-owned enterprise" refers to the enterprise (including company, partnership enterprise and sole proprietorship enterprise) that the purchaser has invested and established in Chongqing at the time of purchasing the new house 1 year, and the enterprise continues to carry out business activities and has relevant tax payment or social security payment records (except for purchasing shares of listed companies through the secondary market);

3. "Having a job" refers to being employed in Chongqing, participating in social insurance in Chongqing within 1 year, and paying social insurance premiums for more than 12 months (including individual industrial and commercial households and their employees, paying social insurance premiums continuously for more than 12 months in the new year).

(4) determine the families with many children:

A family with many children refers to a worker's family with two or more children.

(e) "mutual recognition and mutual loan" of housing accumulation fund in Sichuan and Chongqing;

Sichuan paid workers apply for housing provident fund and individual housing loans in our city to enjoy the same city treatment.

(six) loans for flexible employees:

Choose the flexible employees designated by our city to deposit and use the products, and pay in full and on time according to the agreement to obtain the loan qualification. In line with the relevant provisions of the city's housing provident fund loan policy, you can apply for the use of housing provident fund loans when purchasing the first and second sets of self-occupied houses.

Sixth, netizens ask questions.

Application entrance and method of Chongqing commercial loan to provident fund loan

Chongqing Housing Provident Fund Management Center has now opened the online reservation function for accepting replacement loans (business-to-business) in the central city.

Each booking channel and step:

(1) Chongqing Provident Fund Center WeChat official account: Chongqing Provident Fund Center-Micro official website-Convenience Service-Loan Appointment-Acceptance Appointment

(2) Mobile APP (click here to scan the code to download Chongqing Housing Provident Fund APP): convenience service-loan appointment-accepting appointment.

(III) Netroom: official website and Chongqing Housing Provident Fund Management Center-Personal Online Service Hall-Loan Appointment-Acceptance Appointment Each channel enters the loan-related information in the "Acceptance Appointment", and the appointment outlet selects "Bank of Communications minzu road Branch", selects the appointment time and time, and carries out face recognition verification according to the prompts. After passing, the reservation is successful, and you will receive a short message prompt of "12329" after the reservation is successful.

(4) Specific acceptance address: 6th floor, Central Asia Building, No.74 Renhe Street, Daxigou, Yuzhong District (opposite to Renhe Street Primary School);

(5) Tel: 023-63853620.

What is the provident fund loan policy?

Legal analysis: 1, housing provident fund personal housing loans can only be used to pay for employees to buy, build, renovate and overhaul ordinary self-occupied housing to support basic housing needs. It is strictly forbidden to use housing provident fund and personal housing loans for speculative purchase.

2. Maintain the continuity and stability of the policy of paying employees' families (including borrowers, spouses and minor children, the same below) to purchase the first set of ordinary self-occupied housing by using housing provident fund personal housing loans. Use the housing provident fund personal housing loan to purchase the first set of ordinary self-occupied housing. If the construction area of Xing Tao is less than 90 square meters (inclusive), the down payment ratio of the loan shall not be less than 20%; If the construction area of Xing Tao is over 90 square meters, the down payment ratio of the loan shall not be less than 30%.

3. Housing accumulation fund The second set of personal housing loans is only provided to the paid workers' families whose existing per capita housing construction area is lower than the local average level, and the purpose of the loans is limited to the purchase of ordinary self-occupied housing to improve living conditions. The down payment ratio of the second housing provident fund personal housing loan shall not be less than 50%, and the loan interest rate shall not be less than 1. 1 times of the first housing provident fund personal housing loan interest rate in the same period.

4. Stop issuing housing provident fund personal housing loans to paid workers' families who buy third and above houses.

Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts:

(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;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.

New Policy of Tianjin Provident Fund Loan 2022

1. Employees who have paid the housing provident fund in full for three consecutive months and rented affordable rental housing in Tianjin can apply for withdrawal of the housing provident fund, and the monthly withdrawal amount shall not exceed the rent paid in that month, and the total amount shall not exceed 2,400 yuan.

2. If Tianjin employees apply for individual housing provident fund loans to purchase the first family home, the maximum loan amount is 800,000 yuan. If the fund utilization rate of Tianjin housing provident fund exceeds 90% for three consecutive months, the Tianjin Housing Provident Fund Management Center will report to the office of the Municipal Housing Provident Fund Management Committee and make an announcement to the public, and the maximum amount of the first set of housing loans will be reduced to 600,000 yuan from the next month 1 day; If the utilization rate of housing provident fund funds is less than 85% for three consecutive months, Tianjin Housing Provident Fund Management Center will report to the office of the Municipal Housing Provident Fund Management Committee and make an announcement to the public, and increase the maximum amount of the first set of housing loans to 800,000 yuan from the next month 1 day. The "utilization rate of housing provident fund funds" in this notice refers to the utilization rate of housing provident fund funds at the end of the month.

3. If an employee buys the first set of housing and affordable housing in Tianjin, in addition to the employee himself and his spouse, the parents of the employee and his spouse can also apply for withdrawal of housing provident fund.

Matters needing attention

1, couple loan

If both husband and wife use the same loan to buy a house, whether they apply for provident fund loans before or after marriage, as long as one of them has applied for provident fund loans, the central system will have corresponding records. Before the previous loan is paid off, both husband and wife can no longer use the provident fund loan to buy a second house.

2. Second Suite

If the borrower has already used the provident fund loan when purchasing the first suite, he can't apply for the provident fund loan to buy the second house again before the provident fund loan is paid off. Only after paying off the previous housing loan can you use the provident fund loan again, and you can't use the provident fund loan to buy the third and above houses.

3. Amount of provident fund

Don't use the provident fund before applying for a loan. If the borrower withdraws the balance of the provident fund to pay the house payment before the loan, then the balance of the provident fund in the provident fund account is zero, and the amount of the provident fund loan is zero, which means that he will not apply for a provident fund loan.

4. Advance payment

According to the relevant provisions of provident fund loans, the repayment amount should be in advance after 1 year repayment, and the repayment amount should exceed the repayment amount of 6 months. Therefore, if the loan you apply for is less than one year, don't apply for prepayment, because if you apply, the bank will charge more liquidated damages.

5. Difficulties in repayment

Don't forget to find the bank around you if you have difficulty repaying the loan. When the ability to pay debts declines and it is difficult to repay loans, don't hold on by yourself. You can apply to the bank for an extension of the loan period. After investigation by the bank, the bank will accept your application for extending the loan period. However, according to the regulations, the loan term can only be changed once.

6. Lost contracts

Don't lose the loan contract and IOUs. To apply for a mortgage loan, the loan contract signed between the bank and you and the receipt are all important legal documents. As the loan period can be up to 30 years, as a borrower, you should keep the contract and the receipt properly, and read the terms of the contract carefully to understand your rights and obligations. In the process of using personal housing provident fund loans to buy a house, we must pay attention to the above matters to avoid unnecessary troubles caused by negligence and other reasons.

There are so many new policies for provident fund loans.