The adjustment made by the provident fund in 2022
Increase the deposit base of provident fund: from 202 1 to 65438+February, the lower limit of the deposit base of Guangzhou provident fund will be increased by 200 yuan, from 2 100 yuan to 2300 yuan; Zhuhai and Changchun respectively adjusted the minimum deposit base of provident fund from 1.720 yuan and 1.780 yuan to 1.900 yuan and 1.880 yuan. In addition, Changchun adjusted the upper limit of the deposit base to 22,593 yuan, and Shanghai adjusted the upper limit of the deposit base to 3 10 14 yuan.
Expand the scope of use of provident fund: In the past, the provident fund in many areas could not be used across regions. At present, many places have opened up cross-regional processing. For example, Xiangyang, Shiyan, Suizhou and Shennongjia in Hubei have started mutual recognition of provident funds. Shiyan people who work in Xiangyang, if they want to go back to their hometown Shiyan to buy a house, can also realize the cross-regional use of provident fund and improve the utilization rate of funds. At the end of 20021,eight cities including Xi, Xining, Hohhot, Lanzhou, Taiyuan, Zhengzhou and Yinchuan reached a * * * understanding to realize mutual recognition and loan of provident funds.
Increase the use of provident fund: In order to give full play to the role of provident fund in ensuring the purchase of houses, the scope of use of provident fund has also been expanded, not only for renting houses, but also for renovating houses, renovating houses, reimbursing major diseases and installing elevators.
Increase the amount of provident fund loans: Since February, Quzhou, Dongguan, Zhongshan, Xinxiang, Henan and other places have increased the amount of provident fund loans. In Quzhou, Zhejiang, the loan amount for the first home increased by 654.38+10,000 yuan. On February 25th, Dongguan announced that the loanable amount of the first suite would be increased by 6.5438+0.8 million yuan, with a maximum loanable amount of 900,000 yuan. Zhongshan, Guangdong Province and Xinxiang, Henan Province increased the maximum amount of provident fund housing loans by 654.38 million yuan, reaching 900,000 yuan and 400,000 yuan respectively. In some areas, the down payment ratio of provident fund to buy a house has decreased, which means that the loan amount can be increased, and buyers can buy a house with a lower down payment. Zigong, Sichuan stipulates that as long as there is no loan record, it can be implemented according to the first suite. If a house applies for a provident fund loan again, the down payment ratio will be reduced to 20%. From March 1, Nanning, Guangxi lowered the down payment ratio of the second suite of provident fund to 30%, while the previous requirement was 40%.
How to borrow provident fund?
First of all, we must understand the necessary conditions for applying for provident fund loans.
First, pay housing provident fund in Shanghai, and pay housing provident fund for not less than 6 months when applying for housing provident fund loans. It should be traced back to 6 months from the date of applying for provident fund loans. During the period of Rugao Port, customers who have paid the provident fund but paid it back can apply for reconsideration of the provident fund, and after reconsideration, they can borrow provident fund loans. 2. Neither of the borrower's husband nor wife has any provident fund loan being repaid (used).
Secondly, understand how to identify the first set of provident fund loans and the second set of provident fund loans.
The first set should have no house and no loan in Shanghai; "No loan" here means that if there is no provident fund loan record in Shanghai, there is a mortgage record but no provident fund loan record, the interest of provident fund loan is counted as the first set, and the interest of commercial loan is counted as the second set. Moreover, both husband and wife did not own more than 1 set of real estate in Shanghai with their parents before marriage, and there is no room under the family name (note that 1 set is owned by parents, not two sets, and it has nothing to do with whether it was purchased 20 1 1 year ago). The second set must have no house in Shanghai and have 1 Shanghai provident fund loan. If there is a 1 suite in Shanghai, the per capita housing area is less than 37.2㎡, and there is no Shanghai provident fund loan in use. The per capita housing area is adjusted every year, 202 1 the latest policy is 37.2㎡).
Calculation method of per capita housing area:
A. A house of 50m2 under the names of husband and wife, without minor children: 50m2/2 persons = 25m2.
B. A house of 100㎡ in the name of both husband and wife with a minor child: 100㎡/3 people = 33.33 ㎡;
C. Both husband and wife, the wife has a house of 100㎡ with her parents before marriage, and the husband and wife also have a house of 60㎡ with two minor children, and the average family area is (100㎡+60㎡)/4 people = 40㎡.
Furthermore, we must know that there are four conditions for restricting the loan provident fund.
First, the per capita housing area is greater than 37.2m2; Second, there are two or more houses in Shanghai (pay attention to the calculation of the removal of parents' houses); Third, taking the family as the unit, it is still repaying the Shanghai provident fund loan; Family as a unit, has used provident fund loans twice (once for husband and wife twice)
It is also worth the interest rate of provident fund loans.
The first set of interest rates is 3.25%, and the second set of interest rates is higher than the first set 10%.
We should also know the amount of provident fund loans and the proportion of provident fund loans.
What is the standard of provident fund loan amount?
We can draw the following conclusions: the first-home provident fund loan for single people can be up to 500 thousand without supplementary provident fund and up to 600 thousand with supplementary provident fund; Single and second-home provident fund loans, if there is no supplementary provident fund, the maximum loan can be 400 thousand, if there is supplementary provident fund, the maximum loan can be 500 thousand; Husband and wife, the first home provident fund loan, if there is no supplementary provident fund, the maximum loan can be 6.5438+0.2 million, if there is supplementary provident fund, the maximum loan can be 6.5438+0.2 million; Husband and wife, second-home provident fund loans, if there is no supplementary provident fund, the maximum loan can be 800 thousand, if there is supplementary provident fund, the maximum loan can be 654.38+00 thousand.
But the maximum amount also depends on the balance of the individual provident fund account.
Percentage of Provident Fund loans
For the first set, in the case of pure provident fund loans, if the area is less than 90 square meters, the down payment is only 20%, but the housing price in Shanghai is really too high, which I have never encountered since I started my business. It should also be noted here that if the commercial loan is calculated according to the second suite, then the down payment of the provident fund is consistent with the commercial loan.
Finally, we must know the loan period of the provident fund.
According to the age of the house and the age of the house, if the house is 35 years old, it can only be loaned for 30 years for more than 30 years, and it can be loaned for less than 15 years 15 years; If the male is 65 years old and the female is 60 years old, the loan principal shall be the standard; . It should be noted here that the two are the lowest!
After knowing this, you can know more about whether you meet the requirements and how many provident fund loans you can get. Buying a house with a provident fund loan will be more planned.
How to withdraw housing accumulation fund
The extraction of housing provident fund can be divided into three situations according to the purpose of the house.
The first type is to purchase the self-occupied housing provident fund, which must be met by the self-occupied housing and its spouse, lineal blood relatives and family members. There is no housing provident fund loan and no entrusted housing provident fund repayment loan.
The second is to purchase affordable housing and withdraw the provident fund, which needs to meet the needs of individuals and their spouses, lineal relatives and members of the same family, and there is no housing provident fund loan and no housing provident fund withdrawal to return the housing loan. And before applying for housing provident fund loans, the same borrower is limited to the spouse, lineal relatives or members of the same household of the owner of affordable housing.
Third, if it is about renting a house to withdraw the provident fund, ask for the type and price of the house you rent. You rent low-rent housing or affordable rental housing recognized by the government in this city (affordable rental housing refers to public rental housing and economic rental housing), and the monthly rental cost of housing exceeds the specified proportion of family monthly salary income. If it is a commodity house in this city, and the monthly rental cost of the house exceeds the specified proportion of the family's monthly salary income, and there is no housing provident fund loan, and there is no entrustment to withdraw the housing provident fund to return the housing loan, you can apply to withdraw the storage balance in the housing provident fund account of yourself, your spouse or lineal relatives of the same household to pay the housing rental cost.