In order to give full play to the housing security function of the housing provident fund system, accelerate the release of housing provident fund to support housing consumption, and protect the legitimate rights and interests of employees who have paid housing provident fund, Shenyang has adjusted the partial withdrawal policy of housing provident fund from April 1 day. Among them, in terms of the withdrawal amount, the part of the employee's commercial loan prepayment can also be withdrawn from the provident fund.

In order to effectively shorten the time period for employees to apply for withdrawal of housing provident fund after purchasing a house, and reduce the pressure on employees to purchase funds, Shenyang will extend the withdrawal time limit of "house certificate has not been issued" with the purchase contract. Shenyang stipulates that before 2065438+2009 65438+February 3 1, employees who used cash or non-housing provident fund loans (subject to the date of invoice issuance) to buy self-occupied commercial housing in Shenyang, who have not obtained the certificate of immovable property rights and have never used the housing provident fund, can apply for the withdrawal of their own and their spouses' housing provident fund with the purchase contract registered by Shenyang Real Estate Bureau and the full purchase invoice.

In terms of adjusting the repayment method and amount of commercial loans, Shenyang stipulates that the withdrawal method of employees' repayment of commercial loans for house purchase is changed from the original "one-time withdrawal of cash for house purchase" and "annual repayment withdrawal" to "annual repayment withdrawal"; The withdrawal amount is changed from the original "annual repayment, not exceeding the total monthly repayment in this natural year" to "annual repayment, not exceeding the current repayment interest amount (including the current prepayment amount, excluding overdue penalty interest)", that is to say, the prepayment part can also be withdrawn from the housing provident fund. Reportedly, the withdrawal of housing provident fund is subject to annual repayment. According to the existing average down payment ratio of commercial loans, it is higher for employees to withdraw housing provident fund to repay the principal and interest of loans than to withdraw housing provident fund at one time when buying a house in cash.

In addition, Shenyang has also raised the extraction limit of rental housing. When employees' families rent commercial housing, the housing accumulation fund will be drawn based on the location of the rented house: if the house address is in Shenyang, the limit will be increased from 1.200 yuan/month to 1.400 yuan/month; If the house is located in four counties (cities), the quota will be increased from 800 yuan/month to 950 yuan/month. (Reporter Tao Yang)