On June 23, the Housing Provident Fund Management Committee of Quanzhou City, Fujian Province implemented the Notice on Implementing the Phased Support Policy for Housing Provident Fund, reducing the down payment ratio of loans, increasing the maximum loan amount for families with two or three children, and increasing the rental withdrawal amount. The policy of reducing the down payment ratio of loans will be implemented until June 65438+February 3, 20221.
Quanzhou workers' families apply for housing provident fund loans for the first time to purchase the first set of housing, and the down payment ratio is adjusted to not less than 20%; If an employee's family applies for a housing provident fund loan for the second time or buys a second house, the down payment ratio will be adjusted to not less than 30%. If an employee's family who has given birth to and raised two or more children applies for a housing provident fund loan and meets other loan application conditions, its housing provident fund loan amount is 654.38+10,000 yuan on the basis of the maximum loan amount. If an employee's family does not own a house and rents a commercial house in the place where the housing provident fund is paid, the rent withdrawal amount will be increased from 600 yuan to 800 yuan every month.
Prior to May 10, Quanzhou Housing Provident Fund Management Center adjusted the housing provident fund use policy. Allow withdrawal of provident fund to pay down payment. Anyone who purchases new commercial housing within the administrative area of Quanzhou City, employees themselves (including * * * property owners), spouses and lineal blood relatives can withdraw housing provident fund to pay the down payment, further reducing the down payment pressure and facilitating employees to purchase new commercial housing.
By the end of this year, Quanzhou will also increase the maximum amount of housing provident fund loans. If both husband and wife of the borrower pay the housing provident fund, the maximum loan amount will be adjusted from 600,000 yuan to 800,000 yuan, and if they pay the housing provident fund unilaterally, the maximum loan amount will be adjusted from 400,000 yuan to 500,000 yuan.
Quanzhou, Fujian: Adjust the maximum amount of provident fund loans
On May 10, Quanzhou Housing Provident Fund Management Center of Fujian Province issued the Notice on Adjusting the Policy of Using Housing Provident Fund (hereinafter referred to as the Notice).
The "Notice" clarifies that it is allowed to withdraw the provident fund to pay the down payment. Anyone who purchases new commercial housing within the administrative area of Quanzhou City, employees themselves (including * * * property owners), spouses and lineal blood relatives can withdraw housing provident fund to pay the down payment, further reducing the down payment pressure and facilitating employees to purchase new commercial housing.
In addition, Quanzhou will also increase the maximum amount of housing provident fund loans. If both husband and wife of the borrower pay the housing provident fund, the maximum loan amount will be adjusted from 600,000 yuan to 800,000 yuan, and if they pay the housing provident fund unilaterally, the maximum loan amount will be adjusted from 400,000 yuan to 500,000 yuan.
This policy adjustment will be implemented from the date of issuance, and the policy of increasing the maximum loan amount will be implemented until June 65438+February 3, 20221.
The annual report of Quanzhou Housing Provident Fund in 20021shows that in 20021year, there were 44 new account-opening units, with a net increase of 44 10; 85,200 new employees, a net increase of 44,000; There are 24,585 paid-in units with 6186,600 employees, and the deposit amount is105190,000 yuan, up by 13.54%, 7.79% and 10.67% respectively. At the end of 20021,the total deposit was 86,045,438+0 billion yuan, an increase of13.93% over the end of 2020; The balance of deposits was 27.6765438 billion yuan, a year-on-year increase of 9. 15%.
In terms of provident fund withdrawal, in 20021year, Quanzhou * * * had 2 1.35 million employees to withdraw housing provident fund; The amount returned was 810.99 billion yuan, a year-on-year increase of 3.46%; The withdrawal amount accounted for 77.94% of the deposit amount in that year, which was 5.44 percentage points lower than that in 2020. At the end of 2002/kloc-0, the total amount of money returned was 58.37 billion yuan, an increase of 16.34% compared with the end of 2020.
In terms of provident fund loans, at the end of 2002 159200, Quanzhou issued a total of 53.003 billion yuan of individual housing loans, with a loan balance of 2573 1 000 million yuan, up by 6.92%, 9.37% and 3.08% respectively compared with the end of 2020. The balance of individual housing loans accounted for 92.99% of the balance of deposits, down 5.48 percentage points from the end of 2020. There are six banks entrusted to handle the personal housing loan business of housing provident fund.
According to the price of newly-built and second-hand commercial housing in 70 large and medium-sized cities announced by the National Bureau of Statistics in March, the price of new houses in Quanzhou decreased by 0.4% from the previous month, and the price of second-hand houses decreased by 0.4% from the previous month.
Quanzhou provident fund loan amount and conditions?
Legal analysis: if you use provident fund loans to repay commercial loans, you can apply to convert commercial housing loans into provident fund loans:
First, the required conditions:
1. The personal account of the applicant's housing provident fund has been established for one year, and the housing provident fund has been paid monthly, fully and continuously in the past six months.
2. In the process of returning the commercial loan, the applicant has never been overdue for three consecutive installments or accumulated six installments.
Second, the handling process:
1, loan application. The borrower brings the loan information to the housing provident fund management department of the unit area to apply for a loan.
2. Loan approval. The loan application materials are complete, and the center implements "three-level approval".
3. sign the contract. After the approval, the borrower and the provident fund center, the entrusted bank signed the "individual housing provident fund loan contract".
Legal basis: Regulations on the Management of Housing Provident Fund
Twenty-fourth employees in any of the following circumstances, you can withdraw the balance of storage in the employee housing provident fund account:
(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.
Twenty-fifth workers from the housing provident fund account balance, the unit shall verify, and issue a certificate of extraction.
If the employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued.
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.
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