According to the news of Zibo Housing and Urban-Rural Development Bureau on May 22nd, recently, the Bureau jointly 12 municipal departments issued relevant measures to promote the stable and healthy development of the real estate market.
Zibo proposed to increase the scale of housing provident fund funds in stages and greatly shorten the waiting time for provident fund loans; The down payment ratio of the second set of commercial housing loans was reduced from 40% to 30%; Relax the conditions for paid employees and talent groups to apply for loans in line with Article 37 of the talent finance policy; It is clear that rural housing and collective property housing are no longer included in the calculation of existing housing quantity; Formulate regulations on the deposit and use of housing provident fund for flexible employees.
Article 37 "Financial Policy for Talents" refers to "Several Measures for Further Strengthening the Work of Attracting Talents under the New Situation" organized by the Information Office of Zibo Municipal People's Government on February 2, 20 19.
Optimize and adjust the subsidy policy for talents to buy houses. Appropriately adjust and improve the housing subsidy policies and standards for talent groups in Zibo that meet the "37 Articles of Talent Finance"; Expand the audience of talent apartments and give college graduates certain preferential housing and leasing. The housing subsidy policy involved in Article 37 of the Talent Finance Policy shows that the people covered by the policy include doctoral students, master students, undergraduates and high-end talents in urgent need.
Give subsidies to families that meet the national birth policy. Families that meet the national policy of giving birth to two children and three children can buy new commercial housing and give certain housing subsidies according to the housing area and the number of births; Encourage real estate development enterprises to voluntarily participate in the implementation of preferential housing for families that meet the birth policy, and express or inform the buyers when selling commercial housing.
Implement phased housing subsidies. During the period from June 1 2022 to May 3 1 2023, those who purchase new commercial housing and pay the deed tax before June 65438+February 3/2024 will be given a housing subsidy of 50% of the total deed tax paid.
20 19 Three Highlights of Zibo Provident Fund Loan
Recently, Zibo Housing Provident Fund Management Center issued the Notice on Standardizing and Adjusting Some Housing Provident Fund Withdrawal Policies to adjust some housing provident fund withdrawal policies in the city.
First, calculate the loan amount by combining the salary and income of family members.
This adjustment has formulated a common loan policy for immediate family members of the housing provident fund. Mainly the immediate family members who meet the loan conditions of Zibo housing provident fund, including parents (including spouse's parents) and children (including spouse) can jointly borrow. The purchaser is the borrower, and all other participants are the same borrower.
"When calculating family income, the wage income of participating family members can be calculated together. This policy effectively solves the problem of low loan amount caused by low income of borrowers and gives full play to the role of mutual assistance among family members. " On April 16, the relevant staff of Zibo Housing Provident Fund Management Center said.
Two, foreign employees can also apply for provident fund loans in Zi household registration.
According to the new policy, employees pay housing provident fund in their places of employment, and their registered permanent residence is in Zibo. Those who buy self-occupied ordinary houses in Zibo and meet the conditions of housing provident fund loans in Zibo can apply for housing provident fund loans in Zibo with documents such as the deposit certificate issued by the housing provident fund management institution in the place of employment.
Third, the minimum down payment ratio cancels the construction area limit. For the individual first home loan, this adjustment cancels the construction area restriction and uniformly adjusts the minimum down payment ratio to 20%. According to the staff, this adjustment has also cancelled the restriction that the original housing of the second set of ordinary self-occupied workers should not exceed the per capita construction area of Zibo.
Other policies
"Repay the loan first and then withdraw the cash"
Employees who buy self-occupied housing do not apply for housing provident fund loans. Within one year from the date of registration of the purchase invoice or tax-controlled receipt, the housing provident fund of employees and their spouses can be extracted in one lump sum or by several times with valid proof materials. The total withdrawal amount shall not exceed the actual purchase cost. After handling the housing provident fund purchase extraction procedures, you may not apply for housing provident fund loans; Employees who purchase owner-occupied housing and apply for individual housing provident fund loans may apply for the installment of housing provident fund loans in accordance with the principle of "repayment first and withdrawal later", and the installment amount shall not exceed the repayment amount agreed in the loan contract at most 12 months. After employees apply for housing provident fund loans for one year, they can apply for withdrawing housing provident fund to pay off housing provident fund loans in one lump sum.
Unemployed for 2 years, you can apply for housing provident fund withdrawal.
After the employee resigns, he/she does not apply for withdrawal of housing provident fund, and his/her household registration is in Zibo, and he/she has been unemployed for 24 months and has not been re-employed. He/she can apply for cancellation of the account to withdraw the balance of housing provident fund with valid supporting materials such as the Zibo Housing Provident Fund Withdrawal Application Form, ID card, certificate of termination of labor relations, unemployment certificate and household register. If the household registration is not in Zibo, you can apply in time with valid proof materials such as "Zibo Housing Provident Fund Extraction Application Form", ID card, proof of termination of labor relations, "Unemployment Certificate" and household registration book.
After the employee resigns and loses his job, if he still has the balance of the housing provident fund loan, he may not apply for canceling the withdrawal and installment return of the housing provident fund loan business, but can only apply for withdrawing the housing provident fund to pay off the housing provident fund loan business in one lump sum. After the housing provident fund loan is settled, cancellation procedures can be handled according to relevant regulations.
The relocated house with homestead replacement can apply for withdrawal of housing accumulation fund.
According to the "Regulations on the Management of Housing Provident Fund", employees who build or rebuild their own houses at their homesteads of origin can apply for withdrawal of housing provident fund from their accounts. With the process of new rural construction, the transformation of old villages and villages in the city has formed a pattern of house replacement and relocation.
If you use the homestead to change houses in your place of origin, you can apply for the withdrawal of housing provident fund. The materials to be provided are "Zibo Housing Provident Fund Extraction Application Form", ID card, household registration book, resettlement compensation agreement and overdue price difference invoice. The amount of provident fund withdrawal shall not exceed the amount of overdue differential invoices.
In addition to the above materials, you should also provide a scanned ID card and a signature page of the resettlement compensation agreement.
Employees who rent houses without housing can withdraw provident fund to pay rent.
Employees who have paid the housing provident fund in full for 3 months in a row, and employees and their spouses who have no own housing and rent a house in Zibo, may apply for drawing the housing provident fund of both husband and wife to pay the rent. In principle, the leased area shall be controlled within 90_, and the maximum withdrawal amount shall be determined based on the rental price in 7 yuan.
At the same time, the withdrawal amount in the current month shall not exceed the actual deposit amount of the employee and spouse's provident fund in the current month. The execution time of drawing housing provident fund to pay rent shall be subject to the date of release of the Notice on Relaxing Drawing Housing Provident Fund to Pay Rent (Jian Jin 20 15 19) issued by the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China.
The materials that employees need to provide for withdrawing provident fund to pay rent include the Application Form for Withdrawing Housing Provident Fund in Zibo, ID card, and proof of housing registration and inquiry under the names of employees, their spouses and children who live together.
The high amount of Zibo provident fund loan is adjusted to 500,000 yuan with a low down payment of 20%.
20 15, 10, 15 to 2020, 10, 14, Zibo will increase housing provident fund loans and relax the conditions for housing provident fund withdrawal.
20 15, 10 June, the general office of the Zibo municipal government issued the Guiding Opinions on Improving the Provident Fund Management System and Expanding Housing Consumption (hereinafter referred to as the Opinions), which pointed out that from June 20 15 to June 2020,10 June,
The high loan amount is adjusted to 500,000 yuan, and the low down payment ratio is reduced to 20%.
According to the opinions, the high amount of housing provident fund loans in Zibo will be uniformly adjusted to 500,000 yuan. The loan period of housing provident fund is extended to 5 years after the borrower's statutory retirement age, and the longest loan period is 30 years. The time indicated on the ID card shall prevail. Those who have reached the statutory retirement age may not apply for loans. The loan period is determined according to the loanable period of the borrower.
The paid workers' families use the housing provident fund personal housing loan to purchase the first set of ordinary self-occupied housing, and the down payment ratio is as low as 20%; For employees' families who own 1 apartment and have settled the corresponding housing loans, if they apply for housing provident fund loans again to improve their living conditions, the low down payment ratio will be reduced from 30% to 20%, and the interest rate for the first suite will be implemented.
Cancellation of the purchase of a second set of ordinary self-occupied housing. The per capita construction area of the existing self-occupied housing shall not exceed the limit of the per capita construction area of Zibo. For the housing provident fund loans originally issued at the interest rate of the second home, refer to the interest rate adjustment cycle stipulated by the People's Bank of China, and adjust the interest rate of the first home uniformly in June 65438+ 10/the following year.
As of the loan application date, the employee's unit has continuously paid the housing provident fund 1 year or more, and the employee himself has paid the housing provident fund for more than 6 months, so he can apply for individual housing loans. If housing provident fund is paid in different places, and now housing provident fund is paid in Zibo, the payment time can be calculated according to the payment certificate issued by the housing provident fund management center of the original deposit place.
Policies such as heli loan and portfolio loan have landed.
Workers and their spouses, parents (including spouses) and children (including spouses) who normally deposit housing provident fund in Zibo can apply for joint loan business. The purchaser (or spouse with property rights) is the borrower, and all other participants in the joint loan are the same borrower. * * * The borrower should normally deposit the housing provident fund in Zibo, and there is no balance of individual housing provident fund loans. * * * The borrower and his spouse have not provided or have cancelled the housing provident fund loan guarantee for others. The borrower and the borrower's housing provident fund account will be frozen during the loan period. The balance in the provident fund account can be used to repay the loan.
Workers who deposit housing provident fund in their places of employment, whose domicile is Zibo, and who purchase self-occupied housing in Zibo, meet the basic conditions of housing provident fund loans in Zibo, can apply for housing provident fund loans in different places to the municipal housing provident fund management center with the proof of deposit issued by the housing provident fund management center in their places of employment. Workers from Zibo who have paid housing provident fund in Zibo and work in different places can also apply for housing provident fund loans in different places.
Borrowers who have applied for personal housing commercial loans may apply to the Housing Provident Fund Management Center to replace commercial housing loans with housing provident fund loans (that is, commercial loans are converted into corporate loans) during the repayment period, as long as the original commercial loans are repaid normally and there is no loans overdue record, and the housing real estate license and land certificate purchased by the original commercial loans have been settled. The amount of commercial loans to the public shall not exceed the current housing provident fund loan limit, and shall not be higher than the original commercial housing loan balance (take 1000 yuan or more as an integer).
Portfolio loan refers to a loan method in which an individual applies for a housing provident fund loan, which is insufficient to pay the funds needed for buying a house, and at the same time applies for a commercial housing loan from a bank, and the housing provident fund management center and the entrusted bank handle two kinds of housing loans for the individual at the same time. Borrowers applying for portfolio loans must meet the conditions of both individual housing provident fund loans and commercial housing loans. The combined loan amount must meet the relevant provisions of both individual housing provident fund loans and commercial housing loans.
Eligible employees and their spouses, parents and children's housing provident fund can be withdrawn at one time.
Workers have paid the housing provident fund in full in Zibo, and if my spouse and I don't own a house and rent a house in Zibo, they can apply for drawing the housing provident fund of both husband and wife to pay the rent for ordinary self-occupied houses. The withdrawal of housing provident fund to pay rent has been implemented since 20 15, 1. According to the rent paid by employees and the extraction standard (the rental area is controlled within 90_ _ in principle, the unit rental price is 7 yuan/_, and the extraction amount in the current month shall not exceed the actual contribution of employees and their spouses' provident fund in the current month), the rent of no more than 12 months shall be extracted at one time by the family.
Workers who have paid the housing provident fund normally in Zibo have not applied for personal housing provident fund loans to buy self-occupied houses: the signing date of the commercial housing sales contract for employees who have been filed in the housing management department to buy first-hand houses is less than 3 years; Employees who purchase second-hand houses can withdraw their own, spouse, parents and children's housing provident fund at one time with valid proof materials within 3 years after the deed tax "Tax Payment Certificate" is issued. Parents and children must have the same household registration as the husband and wife. The total withdrawal amount shall not exceed the total purchase price. Withdrawal per capita must have no housing provident fund loan balance. Employees who have applied for individual housing provident fund loans when purchasing owner-occupied housing can apply for withdrawing housing provident fund loans from employees and their spouses every month from the second month of repayment, or withdraw housing provident fund loans to pay off housing provident fund loans in one lump sum after the normal repayment reaches 12 months.
If employees and their spouses have no balance of housing provident fund loans, they may apply to withdraw the housing provident fund of both husband and wife to pay the property fee for a set of self-occupied housing in Zibo. Withdrawal of housing provident fund and payment of property fees shall be implemented from August 20 15, and the amount of each withdrawal shall not exceed 12 months of property fees. Workers and their spouses who have no balance of housing provident fund loans can apply for extracting the housing provident fund of both husband and wife to buy a set of special maintenance funds for self-occupied housing in Zibo within 3 years after obtaining the invoice of special maintenance funds for housing. The withdrawal amount shall not exceed the total amount of paid residential special maintenance funds.