Enterprises affected by the COVID-19 epidemic can apply for holdover of housing provident fund in accordance with regulations, and pay it back after it expires. During this period, paid employees can normally withdraw and apply for housing provident fund loans, which is not affected by the holdover. If employees who deposit in different places apply for housing provident fund loans in our city during the holdover period, they need to provide holdover certificates issued by the management department of the deposit provident fund.
Second, increase the rent withdrawal amount by stages.
In line with the policy of drawing housing provident fund for renting houses in our city, the limit of drawing housing provident fund to pay rent in that year was raised to 15000 yuan.
Third, relax the loans overdue treatment in stages.
If the depositor affected by the COVID-19 epidemic can't repay the housing provident fund loan normally, it is not overdue and will not be submitted to the credit information department as an overdue record. The depositor who cannot repay the housing provident fund loan normally shall provide the corresponding certification materials when applying to the municipal provident fund center.
Four, increase the maximum loan amount of housing provident fund by stages.
The adjustment of the maximum loan amount of housing provident fund is mainly based on the housing price and wage level of our city, the average housing level of families, the deposit of housing provident fund and the scale of loans, the liquidity of funds and other factors.
Five, adjust the number of housing measures.
Commercial housing loans that have been settled are not included in the scope of housing demolition.
(1) Identification criteria for the first suite: no record of housing provident fund loans and no record of outstanding commercial housing loans.
(2) Identification criteria for the second set of housing: there are records of settled housing provident fund loans or unsettled commercial housing loans.
(three) three suites and above that standard:
1. Employees' families have two or more housing provident fund loan records.
2. There are two or more outstanding commercial housing loans in the employee's family credit report.
3. Employees' families have records of housing provident fund loans, and employees' family credit reports have records of outstanding commercial housing loans.
If the above three items meet 1, it will be regarded as three suites or above, and no loan will be granted.
Six, increase the amount of rental housing provident fund paid by the families of workers with two children and above.
In line with the city's housing provident fund rental policy and the national birth policy, families who pay employees can withdraw housing provident fund every year to pay rent, and the limit is adjusted to 18000 yuan; In line with the national birth policy, families with three children can withdraw housing provident fund to pay rent every year, and the limit is adjusted to 20 thousand yuan.
Seven, adjust the mortgage conditions.
For mortgage projects with normal operation and controllable risks, the loan conditions of individual housing provident fund loans are adjusted from one-half of the main image of multi-storey houses and one-third of the main image of high-rise houses to one-quarter of the main image of multi-storey houses and high-rise houses.
legal ground
Notice of Yibin Housing Provident Fund Management Center on Implementing Phased Support Policy for Housing Provident Fund
First, support difficult enterprises to tide over the difficulties in stages. Enterprises affected by the COVID-19 epidemic can apply for holdover of housing provident fund by submitting an application form for holdover of housing provident fund, a plan for holdover of housing provident fund by the unit, a resolution of the workers' congress or the trade union, etc. Go to the city provident fund center and pay it back after it expires. During this period, paid employees can normally withdraw and apply for housing provident fund loans, which is not affected by the holdover.
Second, increase the rent withdrawal amount by stages. In line with the policy of drawing housing provident fund for renting houses in our city, the limit of drawing housing provident fund to pay rent in that year was raised to 15000 yuan.
Third, relax the loans overdue treatment by stages. If the depositor affected by the COVID-19 epidemic can't repay the housing provident fund loan normally, it is not overdue and will not be submitted to the credit information department as an overdue record. The depositor who can't repay the housing provident fund loan normally must pay off the outstanding loan principal and interest and penalty interest within three months after the end of the execution period, and apply to the municipal provident fund center, and return the penalty interest received during the execution period after examination.
Fourth, increase the maximum loan amount of housing provident fund in stages. If the loan applicant is a single employee or only one of the husband and wife pays the housing provident fund, the maximum loan amount will be adjusted from 300,000 yuan to 400,000 yuan; If both husband and wife of the loan applicant deposit the housing provident fund, the maximum loan amount will be adjusted from 500,000 yuan to 600,000 yuan. For families of paid workers who have given birth to two children in line with the national birth policy, they apply for housing provident fund loans in our city, and the maximum loan amount will increase by 50 thousand yuan under the same conditions; For paid workers' families who have three children in line with the national birth policy, they apply for housing provident fund loans in our city, and the maximum loan amount will increase by 654.38+10,000 yuan under the same conditions.
Five, adjust the number of housing measures. Taking the commercial housing loan records, off-site housing provident fund loan records and Yibin housing provident fund loan records deposited in the personal credit report of employees' families of the People's Bank of China as the basis for determining the number of housing provident fund loans, the first set of housing provident fund loan policies with no housing provident fund loan records and outstanding commercial housing loan records will be implemented; If there are records of settled housing provident fund loans or outstanding commercial housing loans, the second set of housing provident fund loan policy will be implemented.
Sixth, increase the deposit amount of housing provident fund for employees' families to rent houses for two or more children. In line with the city's housing provident fund rental policy and the national birth policy, families who pay employees can withdraw housing provident fund every year to pay rent, and the limit is adjusted to 18000 yuan; In line with the national birth policy, families with three children can withdraw housing provident fund to pay rent every year, and the limit is adjusted to 20 thousand yuan.
Seven, adjust the mortgage conditions. For mortgage projects with normal operation and controllable risks, the loan conditions of individual housing provident fund loans are adjusted from one-half of the main image of multi-storey houses and one-third of the main image of high-rise houses to one-quarter of the main image of multi-storey houses and high-rise houses.
8. The implementation time of the above-mentioned support policies: (1) to (3) is tentatively set as June 1 day, 2022 to February 3 1 day, 2022; Articles (4) to (7) are tentatively scheduled from June 2022 1 day to May 3, 20231day. Since the date of promulgation of this notice, if the relevant policies previously issued by the CMC are inconsistent with the provisions of this notice, this notice shall prevail.
Nine, the relevant contents of this notice, the city provident fund center is responsible for the interpretation of.