New Deal 1: Rent invoices and tax payment certificates are not required for renting a house to withdraw the provident fund.

In June 5438+this year 10, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the Central Bank jointly issued new regulations to relax the conditions for employees to withdraw housing provident fund to pay rent. The new regulations point out that employees have paid the housing provident fund in full for three consecutive months. If my spouse and I don't own a house in this city and rent a house, we can withdraw the housing accumulation fund of both husband and wife to pay the rent. Before withdrawing the provident fund to pay the rent, you also need to submit the rent invoice and tax payment certificate.

New Deal 2: The down payment for the second suite of provident fund loans is reduced to 20%

On August 3 1 day, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China issued a notice to adjust the minimum down payment ratio of individual housing loans for housing provident fund. For those who own 1 house and have settled the house purchase loan, they will use the housing provident fund loan to buy a house again, and the minimum down payment ratio will be reduced from 30% to 20%. The four cities in the north, Guangzhou and Shenzhen can independently decide the minimum down payment ratio on the basis of the national unified policy. This new regulation will be implemented on September 1 day.

Actively buy.

New policy of provident fund loan 20 17

If the provident fund is used for the first time and the construction area of Xing Tao is less than 90 square meters (inclusive), the minimum down payment ratio of the loan is 20% of the total house price. If the building area is over 90 square meters, the minimum down payment shall be over 30%.

To apply for provident fund loans, the following basic conditions shall be met:

Having full capacity for civil conduct;

Proof of provident fund deposit (or housing provident fund card);

Identity cards, household registration books and proof of marital status of the applicant and spouse;

If the unit has paid the housing provident fund normally for more than one year (inclusive), the employees must pay the housing provident fund normally for more than six months (inclusive), and the monthly payment of the housing provident fund has reached the minimum monthly payment announced by the CMC;

Workers can apply for housing loans within five years (inclusive) from the date of purchase, construction, renovation and overhaul of owner-occupied housing;

When employees apply for loans for the first time and the second time, they need to pay a down payment of more than 20% (inclusive) of the purchase price;

It has stable economic income, good personal credit and the ability to repay the principal and interest of loans.

Yancheng, Jiangsu: The maximum amount of family provident fund loans is raised to 600,000 yuan.

On April 20, this newspaper learned from Yancheng Housing Provident Fund Management Center in Jiangsu Province that Yancheng recently adjusted its housing provident fund loan policy. If all family members meet the loan conditions, the maximum loan amount will be adjusted from 400,000 yuan to 600,000 yuan; If only one person meets the loan conditions, the maximum loan amount will be adjusted from 200,000 yuan to 300,000 yuan.

At the same time, the New Deal makes it clear that employees who have settled the first provident fund loan (including loans from different places) can apply for provident fund loans again after the implementation of the new policy, and the loan interest rate is 1. 1 times the benchmark interest rate of individual housing provident fund loans in the same period.

According to the New Deal, if all family members meet the loan conditions, the guaranteed loan amount will be adjusted from 6,543,800+0.5 million yuan to 200,000 yuan; If only one person meets the loan conditions, the secured loan amount will be adjusted from 80,000 yuan to 654.38+10,000 yuan.

As for the reasons for this adjustment, Yancheng Housing Provident Fund Management Center pointed out that in March 2065438+2005, in response to the deployment requirements of promoting new urbanization and promoting the transformation and upgrading of the real estate market, Yancheng adjusted the maximum loanable amount of individual housing provident fund loans from 200,000 yuan to 300,000 yuan for a single person and 400,000 yuan for a family to 500,000 yuan. After the implementation of the policy, the scale of provident fund loans has gradually increased, and the personal loan rate has risen rapidly. By the end of September 2065438+2007, the personal loan ratio reached 145.6%, and the risk of insufficient liquidity of provident fund funds was highlighted. 20/kloc-in June, 2007, Yancheng adjusted the maximum loan amount, from 500,000 yuan to 400,000 yuan for families and from 300,000 yuan to 200,000 yuan for singles, and cancelled the supporting policy of housing provident fund loans for second home purchases. Since 20 17, Yancheng Housing Provident Fund Management Center has intensified the expansion of provident fund, strengthened the management of collection and deposit, and strictly implemented the loan policy. Through continuous efforts, by the end of March 2022, the personal loan rate has dropped to 85%, and the liquidity of funds has improved significantly.

According to the incomplete statistics of the paper, since April alone, many places including Longyan, Nanping, Taizhou, Jiangsu, Lishui, Zhejiang, Taizhou, Gansu, Kunming, Yunnan, Jingmen, Hubei, Tianjin, Ziyang, Sichuan, etc. have introduced new provident fund policies, including reducing the down payment ratio, increasing the loan amount, and allowing parents to withdraw the provident fund to support their children to buy houses.

Provident fund loan conditions 20 17

To apply for individual housing provident fund loans in China Bank, the basic conditions are as follows:

1. The applicant and those who participated in the calculation of the loanable amount of provident fund loans have paid the housing provident fund in full and on time in this city for six months before the month of application, and the application is in a normal state;

2. The applicant and * * * have no provident fund loans in this city or have paid off the provident fund loans; If the applicant's parents are the same applicant, both parents should have no provident fund loan or have paid off the provident fund loan in this city;

3. The sum of the applicant's age when applying for a loan and the loan term shall not exceed 70 years;

4. The applicant and those who participate in the calculation of the loanable amount of provident fund loans have the ability to repay the loan principal and interest, and their credit status is good;

5. The applicant has paid the down payment for the house purchase as required;

6. The applicant agrees to provide a guarantee that meets the requirements of these Provisions;

7. The loan application meets the requirements of national, provincial and municipal real estate market management policies;

8. Meet other conditions stipulated by the provident fund management committee.

Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.

The above contents are for your reference. Please refer to the actual business regulations.

New policy of provident fund loan 20 17

China Bank's personal housing provident fund loan refers to the loan entrusted by local housing provident fund management centers to commercial banks for the purchase, construction, renovation and overhaul of housing to pay housing provident fund. Personal housing provident fund portfolio loan refers to the borrower's application for commercial personal housing loan from the entrusted bank when the personal housing provident fund loan is insufficient to pay the house purchase price, and the entrusted bank gives the borrower a combination of personal housing provident fund loan and commercial personal housing loan. Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.

The above contents are for your reference. Please refer to the actual business regulations.