New Deal 1: Rent invoices and tax payment certificates are not required for renting a house to withdraw the provident fund.

The new regulations point out that employees have paid the housing provident fund in full for three consecutive months. If my spouse and I don't own a house in this city and rent a house, we can withdraw the housing accumulation fund of both husband and wife to pay the rent. Before withdrawing the provident fund to pay the rent, you also need to submit the rent invoice and tax payment certificate.

New Deal 2: The down payment for the second suite of provident fund loans is reduced to 20%

For those who own 1 house and have settled the house purchase loan, they will use the housing provident fund loan to buy a house again, and the minimum down payment ratio will be reduced from 30% to 20%.

Handling process of housing provident fund loans in different places

1. The loan city provident fund center accepts the consultation of employees' loan business in different places and informs them of the materials needed for loan review at one time.

2. The employee himself or his/her client applies to Minxin for the deposit of urban provident fund, and the deposit center verifies the deposit of employee loans according to the employee's application. For the paid employees who have not used the housing provident fund personal housing loan or whose first housing provident fund personal housing loan has been settled, they shall issue certificates for the payment and use of the housing provident fund for professional employees who have borrowed from different places.

3. After accepting the employee's application for off-site loan, the loan city provident fund center shall verify the authenticity and completeness of the information in the Certificate of Deposit and Use of Housing Provident Fund for Employees with Off-site Loan to the deposit city provident fund center. After verification, the loan approval procedures shall be fulfilled within the prescribed time limit, and the results shall be fed back to the municipal provident fund digging and training branch. Deposit to the city provident fund center to identify the situation of employees' loans in different places, and establish a detailed account of employees' loans in different places.