1. Increase the maximum loan amount of housing provident fund.
The "Notice" clarifies that the maximum loan amount of housing provident fund loans in our city will be raised from 600,000 yuan to 700,000 yuan, and the maximum loan amount of housing provident fund loans for three-child families will be raised to 800,000 yuan.
2. Focus on supporting the depositor's demand for purchasing the first suite.
Implement a phased "loanable" policy for the first suite. In order to help depositors alleviate the pressure of buying houses under the influence of the epidemic, the Notice clarifies that from the implementation date of the policy to February 65438+3 1 in 2022, employees' families can apply for provident fund loans or purchase the first suite housing, and the cumulative withdrawal amount of the same set of housing shall not exceed the down payment. If you apply for house purchase withdrawal after the loan is successfully handled, the housing provident fund account of both husband and wife should keep enough repayment amount of housing provident fund loan 12 months.
3. Meet the reasonable demand for improved housing.
Reduce the down payment ratio of the second suite. In order to support employees to improve their living environment, the minimum down payment ratio is adjusted from 60% to 40% if employees' families apply for housing provident fund loans by purchasing second suites.
Cancel the area limit requirement of the first suite. If you buy a second suite and apply for a housing provident fund loan, the first set of self-occupied housing area shall not exceed 144 square meters, that is, the area of the first suite shall not be limited.
At the same time, if you apply for housing provident fund loans again after the existing housing provident fund loans are settled, the requirement of "need to settle for 6 months" will be cancelled, that is, the existing housing provident fund loans can be loaned again immediately after settlement.
4. Increase the rent withdrawal amount.
In order to help depositors reduce the pressure of renting houses, employees withdraw the housing provident fund once a year to pay the rent, from "the amount of each withdrawal shall not exceed 50% of the actual remittance amount in the past 1 year" to "the amount of each withdrawal shall not exceed the actual remittance amount in the past 1 year", thus improving the support for employees' rental withdrawal.
5. Further enhance business convenience.
It is easier to determine the number of houses in the employee's family. The number of employee family housing units is limited to the self-owned housing within the administrative area of Changsha City, and the housing registration information of Changsha City shall prevail. The loan records shown in personal credit information no longer need the borrower to provide relevant information to prove.
Note: The number of housing units for employees with loans from different places shall be based on the housing registration information query results within the administrative area of Changsha and the place where the main borrower's housing provident fund is deposited. The number of housing units in the main borrower's housing provident fund deposit area still needs the local real estate department to check the results.
No longer collect the original Certificate of Immovable Property Rights. Housing provident fund loans no longer charge the original "certificate of immovable property rights" of mortgaged real estate, and property owners can hold the original by themselves.
Make full use of the electronic official seal of housing provident fund. The electronic contract of housing provident fund loan has the same legal effect as the paper contract, and the borrower can log in to the online service hall (personal version) of the center at any time as needed to download and print the contract.
Legal basis:
Measures of Changsha Municipality on the Deposit of Housing Provident Fund
Fifteenth _ in any of the following circumstances, the unit shall handle the account sealing procedures for employees, and submit the "Changsha Housing Provident Fund Personal Account Sealing List":
(1) Where the employee and the unit dissolve or terminate the labor relationship, the unit shall handle the formalities for sealing the housing provident fund account for the employee within 30 days from the date of dissolution or termination of the labor relationship;
(2) If the unit where the employee housing provident fund account is located is terminated or cancelled due to bankruptcy, revocation, dissolution, division or merger, the original unit or liquidation organization shall go through the formalities for sealing the employee housing provident fund account before the termination or cancellation of the unit;
(three) the employee and the unit retain labor relations or personnel relations, but have left the company to stop or suspend the payment of wages to employees.
Article 16 _ If the employee housing provident fund account resumes normal deposit, the unit shall go through the account unsealing procedures at the same time when handling the remittance of the housing provident fund in the current month, and submit the List of New Personal Accounts of Changsha Housing Provident Fund to determine the remittance amount in the current month.
Article 17 _ If the unit fails to seal up the housing provident fund accounts of the employees who meet the sealing conditions, the employees may apply to Changsha Provident Fund Center for sealing up with the Application for Sealing Individual Accounts of Changsha Housing Provident Fund and the certificate of resignation. If the unit has not sealed up after being urged by Changsha Provident Fund Center, Changsha Provident Fund Center may handle it according to the employees' application.
Article 18 _ Before going through the cancellation of registration, the original unit or liquidation organization shall seal up the housing provident fund account under the employee's name and transfer it to the centralized custodian established by Changsha Provident Fund Center, and submit the "Changsha Housing Provident Fund Personal Account Transfer Inventory".
If the original unit or liquidation organization fails to handle it, Changsha Provident Fund Center can transfer the employee housing provident fund account to the centralized custodian.
Nineteenth _ employee housing provident fund account transfer in the center, the original work unit and the new work unit can handle the account transfer procedures.
The transfer of employee housing provident fund accounts across the city shall be handled by Changsha Provident Fund Center through the national housing provident fund transfer and connection platform. When employees transfer to Changsha Provident Fund Center, they should open an account in Changsha Provident Fund Center and deposit it normally for more than 6 months, bring their identity certificate to Changsha Provident Fund Center to apply for transfer in different places, and fill out the Application Form for Transfer and Continuation of Housing Provident Fund in Different Places. Workers transferred from Changsha Provident Fund Center shall be handled in accordance with the relevant provisions of the transfer to the provident fund center.
Twentieth _ employee name, ID number and other information input errors or changes, individual employees or units can apply to Changsha Provident Fund Center for modification, and submit the "Changsha Housing Provident Fund Personal Information Change Registration Form" and the original or photocopy of the employee's identity certificate. If the employee's name and certificate number are changed, the certificate of change issued by the public security department shall also be submitted.
Twenty-first _ the monthly deposit of housing provident fund consists of two parts: the monthly deposit of employee housing provident fund and the monthly deposit of housing provident fund paid by the unit for employees. The monthly deposit amount of employee housing provident fund is the deposit base multiplied by the deposit ratio of employee housing provident fund. The monthly deposit amount of housing provident fund paid by the unit for employees is the deposit base multiplied by the deposit ratio of the unit housing provident fund.
Article 22 _ The deposit base of housing provident fund shall be determined by dividing the total wages of employees in the previous year by 12. The composition of total wages shall be implemented in accordance with the relevant provisions of the state.
The deposit base of housing provident fund shall not be lower than the minimum monthly wage of employees in the previous year announced by the human resources and social departments of Changsha, and shall not exceed 3 times the average monthly wage of employees in the previous year announced by the statistics department of Changsha. Among them, the upper and lower limits of the deposit base of employees of China Railway Guangzhou Bureau Group Co., Ltd. in Hunan shall be implemented in accordance with the documents separately published by Changsha Provident Fund Center.
Twenty-third _ housing provident fund deposit ratio determined by the unit according to the economic benefits, not less than 5%, not more than+/-0.2%. A unit account shall determine a deposit ratio, and the deposit ratio of employee housing provident fund in the unit account shall be consistent with the deposit ratio of unit housing provident fund.
Twenty-fourth _ Housing provident fund deposit base and deposit ratio shall be implemented from July 1 day of the current year to June 30th of the following year. The upper and lower limits of the deposit base of housing provident fund shall be adjusted and announced by Changsha Provident Fund Center in a timely manner according to regulations. The unit can adjust the deposit ratio 1 time within the prescribed time limit according to its own reality, and provide the Adjustment Form of Housing Provident Fund Deposit Ratio in Changsha. The unit adjusts the deposit base 1 times according to the average monthly salary of employees in the previous year, and provides the Adjustment List of Housing Provident Fund Deposit Base in Changsha. The adjusted deposit base and deposit ratio shall not be changed in principle within one implementation year.
For units that exceed the deposit base and the upper and lower limits of the deposit ratio, the deposit business can only be handled after the deposit is standardized according to the regulations.
Twenty-fifth _ units shall remit the housing provident fund that should be paid and withheld for employees into the housing provident fund account on time and in full every month, and submit the Letter of Remittance of Housing Provident Fund Units in Changsha, and shall not be overdue, underpaid or overpaid. If the unit fails to pay or underpays the employee housing provident fund within the time limit, it shall pay the housing provident fund in accordance with the regulations and submit the Detailed List of Individual Accounts of Changsha Housing Provident Fund.
Twenty-sixth _ Changsha Provident Fund Center shall inspect the housing provident fund deposit of each unit every year, and the inspection contents are as follows:
(a) whether the number of people who have paid the housing provident fund meets the relevant provisions;
(two) whether the deposit ratio and deposit base comply with the relevant provisions;
(3) Whether the registration information of units and employees is correct;
(four) other matters that should be standardized.