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.