1. Before the implementation of the New Deal, can I withdraw the provident fund to decorate my parents' house?
Ms. Wang, a citizen, consulted: We don't have a house under the name of husband and wife, and now we live with our parents. My parents' house was decorated more than 20 years ago. I plan to decorate my parents' house again in the second half of the year. Can I apply for renovation and extraction before June 1?
Reply: According to the original policy, if our city pays employees to decorate new ordinary commodity self-occupied houses (excluding second-hand houses), they can apply for decoration and extraction. Under the premise of not exceeding the total withdrawal amount, the balance stored in the housing provident fund account of the applicant's spouse, parents and children can be withdrawn. At present, Ms. Wang has no outstanding provident fund loans. If Ms. Wang's parents' house meets the requirements, Ms. Wang will apply for renovation and extraction. However, according to the regulations, the purchase contract must be revoked within 5 years. Judging from Ms. Wang's description, their house has exceeded the prescribed time limit and cannot be renovated and withdrawn.
It should be noted that the decoration extraction is after the decoration, not before the decoration. Because when handling the withdrawal, you should provide the invoice of basic renovation contract and decoration building materials within 1 year (provided by contracting decoration) or the detailed list of house decoration and the invoice of main building materials (provided by independent decoration). The scope of foundation decoration includes cement gravel, floor (brick), wallpaper coating, door and window materials, lamps and electrical materials, plumbing pipes, sanitary ware, labor costs, etc. , excluding the cost of buying furniture and household appliances.
In addition, the extraction standard is audited according to the 500 yuan (building area) per square meter, and the upper limit of the building area is 144 square meter. If it is less than 144 square meters, according to the actual area, one household can only apply for renovation and withdrawal once, and there shall be no balance of provident fund loans.
Main points of painting: decoration extraction should be handled within 5 years after the signing of the purchase contract; Basic decoration only; The extraction standard is 500 yuan per square meter, and the upper limit is 144 square meter.
2. After the implementation of the New Deal, can I only withdraw provident fund or commercial loans once every five years?
Mr. Chen said: I bought a house with a commercial loan two years ago, with a down payment of 300 thousand and a loan of 500 thousand. The new policy of provident fund stipulates that it can only be withdrawn once every five years. I thought about retiring again before the implementation of the new policy, but I was told by the window staff that the interval between the latest retirement and the last retirement is less than 1 year, and I can't retire. Does this mean that after June 1, I only have one chance to withdraw cash?
Reply: Gao Feng, director of the Urban Business Department of the Municipal Housing Provident Fund Management Center, said that the purchase withdrawal is mainly for down payment and full purchase. According to the original policy, the house payment can be withdrawn once a year within five years after the signing of the house purchase contract, and the withdrawal amount shall not exceed the payment slip amount, but the interval shall be greater than 12 months. Mr. Chen's last withdrawal was in August last year, and now the interval is less than 12 months, so he can't make a purchase withdrawal. According to the provisions of the New Deal, the house purchase price can only be withdrawn once within five years after the signing of the house purchase contract, that is to say, after June 1, for the down payment of 300,000 yuan, Mr. Chen really only has 1 opportunity to withdraw the house purchase price.
However, Mr. Chen's withdrawal from the provident fund to repay the principal and interest of commercial loans is not affected. After the implementation of the New Deal, Mr. Chen Can still withdrew the provident fund to repay the principal and interest of commercial loans until he paid it off. At that time, it can be handled with relevant repayment vouchers, and the amount of each withdrawal shall not exceed the repayment amount during the withdrawal period.
Gao Feng said that if the employee is a provident fund loan, the balance in the account can also be used to repay the loan until the loan is paid off.
Key points of painting: the new policy of buying a house is only for down payment and full purchase; Withdrawing the provident fund to repay the principal and interest of commercial loans is not affected; Provident fund loan employees, the balance in the account can repay the provident fund loan at any time.
3. After the implementation of the New Deal, what is the specific impact of employees' personal credit reporting on loan approval?
Mr. Wu, a citizen, asked: After June 1, employees need to provide personal credit reports of themselves and their spouses for provident fund loans. What should they see in the credit report when approving the loan? If one spouse has a credit stain, will it really affect the loan approval?
Reply: According to the Measures for the Management of Credit Information of Luoyang Housing Provident Fund (Trial), those who are found to be seriously untrustworthy will be temporarily disqualified from housing provident fund loans until the credit reaches the standard. Specifically, it includes: if a single loan is overdue for more than three consecutive periods (inclusive) or accumulated for more than six periods (inclusive) in the last two years, if a credit card is overdue for more than three consecutive periods (inclusive) or accumulated for more than six periods (inclusive) in the last two years, the accumulated overdue times of the credit card are more than 12 times.
If it is recognized as a general act of dishonesty, the borrower shall make corresponding explanations or commitments on the specific act of dishonesty in the loan approval. Specifically, it includes: a single loan is overdue for more than 3 installments (inclusive) and less than 6 installments (exclusive of student loans) in the last 2 years without reasonable explanation, and a credit card is overdue for more than 3 installments (inclusive) and less than 6 installments (exclusive of annual fees) in the last 2 years without reasonable explanation. Credit cards include credit cards and quasi-credit cards.
As long as one spouse's personal credit information is tainted, it will affect the approval of provident fund loans.
Highlights of painting: if the applicant has serious dishonesty, he will be temporarily disqualified from housing provident fund loans; If one spouse's credit information is tainted, it will affect the loan approval.
4. How to calculate the loan amount after the implementation of the New Deal? How do you know how much you can borrow?
Ms. Liu, a citizen, reflected that the new provident fund policy has raised the maximum amount of personal loans. How do I know how much I can borrow in the end?
According to the calculation formula of loan amount, it is suggested to choose the person who has paid for a long time as the main lender for the dual-employee family provident fund loan, so that the loan amount is correspondingly higher.
Highlight: The actual loan amount is related to the account balance and deposit time. It is suggested that dual-income families choose the party with long deposit time as the main lender.
5. If the man buys a house before marriage, can he buy a house with the woman's provident fund loan after marriage?
Ms. Liu said: Both husband and wife have provident funds. Before marriage, the husband bought a house with a provident fund loan of 340 thousand, and the loan has not been settled yet. I want to buy a second suite now. Can I use my provident fund loan alone or use our remaining quota in the name of husband and wife?
Reply: The number of housing units and provident fund loans are calculated by family, of which the number of housing units is determined by the number of existing housing units under the name of the loan employee's family provided by the housing management department; If the housing provident fund loan in the family is not settled, the housing provident fund loan will not be issued, and there is no problem of the remaining amount.
City housing provident fund management center does not issue housing provident fund loans to the families of paid workers who buy the third and above houses, and does not issue housing provident fund loans to the families of paid workers who use provident fund loans for the third and above times. For example, the man bought two houses with commercial loans before marriage, and even if the family never used housing provident fund loans after marriage, they could not apply for provident fund loans to buy a third house. Similarly, if qualified, a family can use provident fund loans for up to two times.
Key points: the number of housing units and the number of provident fund loans are calculated on a household basis; Housing provident fund loans in the family are not settled, and housing provident fund loans will not be issued.
6. If you have applied for renting a house to withdraw the provident fund through WeChat at the beginning of this year, can you still withdraw the remaining amount according to the amount of the New Deal (one year14,400 yuan) after the implementation of the New Deal?
According to the requirements of the New Deal, employees should apply for provident fund before June 20 19 1 and implement the original quota (one year 12000 yuan). After June 5438+ 10 (inclusive) in 2020, you can apply for withdrawal of provident fund according to the new deal quota.
7. In line with the conditions for withdrawing the provident fund, how to apply for withdrawing the provident fund through WeChat, and what materials should be provided?
Major illness withdrawal provident fund can be applied through WeChat and the counter. Original materials such as ID card, diagnosis certificate, invoice for hospitalization within one year and summary of discharge within one year should be provided when applying. Employees who successfully apply for withdrawal of provident fund for major diseases after June 20 19 1 day can apply for withdrawal again once every month 12.
8. Can citizens apply for withdrawal of housing provident fund after major organ transplantation? What is the withdrawal amount?
After 20 19 and 1 (inclusive) June, those who apply for withdrawal of provident fund due to serious illness can apply for withdrawal of the current provident fund account balance of employees and their spouses after verification by Nanchang Housing Provident Fund Management Center, and can apply for withdrawal of the current provident fund account balance of employees and their spouses again every 12 months. If an employee applies for withdrawal of provident fund before June, 2009 1 and June, 2065438, the employee and his spouse can only withdraw the medical expenses borne by the individual in that year, but they can apply for withdrawal of provident fund according to the requirements of the first withdrawal after the interval between the last application and withdrawal is 12 months.
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