People's expectations, political aspirations. Some cities, including Jinan, Nantong and Foshan. The housing provident fund policy has been implemented and adjusted, and more preferential treatment and support have been given to loans from different places and the renovation of old residential areas, so that the housing provident fund can better help people live and live.

First, optimize the loan policy in different places and enjoy more "same city" treatment.

With the promotion of regional coordinated development, personnel, funds and other factors have accelerated the flow and optimized the allocation, and the demand for housing provident fund loans in different places has increased significantly.

The Housing Provident Fund Management Center of Qingdao City, Shandong Province recently issued the Notice on Optimizing and Adjusting the Policy of Housing Provident Fund Transfer and Continuation and Loan in Different Places in Jiaodong Economic Circle. Employees who paid in four cities in Jiaodong (Yantai, Weihai, Weifang and Rizhao) come to Qingdao, and after setting up individual accounts for housing provident fund in Qingdao, they can apply for transfer and connection, and the processing time is shortened to 1 working day, so that employees who paid in five cities in Jiaodong can enjoy the treatment of the same city.

For those who deposit housing provident fund in other cities and apply for housing provident fund loans in Jinan, the household registration restriction shall be cancelled when approving the loan materials.

According to the previous policy, buyers who are not registered in Jinan and have not paid the housing provident fund in Jinan need to have the conditions of "quasi-household registration" when buying a house in this city. Jinan has optimized the loan policy for this kind of housing accumulation fund, which has played a positive role in meeting the housing needs of non-local paid employees.

Judging from the reform of housing provident fund policy in recent years, both the construction of urban agglomerations and metropolitan areas and the promotion of housing provident fund integration have objectively promoted the demand for loans in different places. The cancellation of household registration restrictions makes it easier for housing provident fund loans in different places, which is more convenient for the majority of buyers. It is a valuable measure to promote the integration of housing provident fund in different places and optimize the loan policy in different places.

Second, it is more convenient to increase the loan amount and repay.

In order to meet the demand of buyers and promote the stable and healthy development of the real estate market, Nanping Housing Provident Fund Management Center of Fujian Province increased the maximum amount of individual housing provident fund loans to 550,000 yuan in stages. Among them, in Yanping District and Jianyang District, the maximum loan amount for employees' families whose husband and wife normally pay the housing provident fund is 550,000 yuan, and the maximum loan amount for employees' families who buy houses in other areas has also increased. The maximum amount of personal housing provident fund loans is tentatively scheduled for 2 years.

In terms of repayment, Nanping Housing Provident Fund Management Center cancelled the limit of prepayment of housing provident fund loan principal. Similar to Nanping, some areas have also adjusted their repayment policies to facilitate depositors' repayment.

The Tangshan Housing Provident Fund Management Center of Hebei Province opened the business of offsetting and repaying loans. In this regard, professionals believe that this move first facilitates employees, who can handle loan repayment business without leaving home; Secondly, the service is improved, and the business system automatically deducts money, which reduces the cost and improves the service efficiency; Finally, the original annual withdrawal is changed to monthly withdrawal of employee account balance to repay loans, which can play the role of housing provident fund more effectively.

In addition, some areas also help depositors to repay by optimizing the withdrawal policy.

Nantong Housing Provident Fund Management Center in Jiangsu Province has made it clear that employees can apply for loan repayment and withdraw housing provident fund at any time of the year. Compared with the previous stipulation that the first loan repayment application time is 12 months after the loan issuance date and each withdrawal application time is 12 months later, it is more convenient.

Third, more cities will include "old community transformation" in the extraction scope.

The renovation of old residential areas is in full swing, and a large number of urban housing provident fund management centers have actively introduced supporting policies to include "renovation of old residential areas" in the scope of extraction. In order to further improve the living environment of depositors and improve the quality of life, a number of housing provident fund management centers explicitly allow the extraction of "renovation of old communities".

In the administrative area of Foshan City, Guangdong Province, if the existing property houses are equipped with elevators and meet the relevant regulations on elevator installation, the property owners and their spouses may apply for withdrawal of housing provident fund. The accumulated withdrawal amount of the property owner and his spouse shall not exceed the expenses for installing the elevator.

Coincidentally, the Housing Provident Fund Center of Xianning City, Hubei Province has made it clear that the owners and their spouses of existing multi-storey houses (four floors or above, excluding villas and self-built houses) can withdraw the housing provident fund under their names to install elevators.

The Beijing Housing Provident Fund Management Center and the Municipal Commission of Housing and Urban-Rural Development jointly issued the Notice on Housing Provident Fund Supporting the Comprehensive Renovation of Old Residential Areas in Beijing, which clarified that the comprehensive renovation projects of old residential areas in Beijing that can be included in the scope of housing provident fund extraction mainly include two types: one is the renovation project of dilapidated buildings, and the other is the renovation project of buildings directly related to housing. Among them, the building renovation projects directly related to housing include adding elevators and other upstairs and downstairs facilities for multi-storey houses, adding balconies for seismic strengthening of buildings, and changing slopes for multi-storey houses.

In addition to expanding the scope of extraction, the "renovation of old residential areas" is included in the scope of extraction, and some cities are also actively adjusting the housing provident fund extraction policy in a timely manner to facilitate employees' extraction.

With the deepening of rent and purchase and the renovation of old residential areas, the demand for depositors' withdrawal is increasing. Expanding the scope of withdrawal and optimizing the withdrawal rules have become the inevitable measures for depositors to better enjoy the dividends of the housing provident fund system.

In the future, extraction will be more efficient and convenient through self-improvement and innovation of management departments and information construction.