① Hunan
On April 2 1, Hunan Housing Provident Fund Management Center issued the Notice on Adjusting Some Housing Provident Fund Policies (hereinafter referred to as the Notice), informing to optimize and adjust some housing provident fund policies. The Notice shall come into force on May 1 day, 2020, and the main adjustments are as follows:
Edit Soutu 1. No longer limit the number of years of mortgaged property.
In terms of loan policy adjustment, the time for borrowers to apply for loans after purchasing, building, renovating and overhauling their own houses is adjusted from 2 years before applying for loans to 1 year.
According to the Notice, if a borrower purchases a second-hand house and applies for a housing provident fund loan, and applies for a bank mortgage loan to be converted into a provident fund loan, the age of the mortgaged property and the sum of the age of the mortgaged property and the loan period will no longer be limited, but the loan period will not exceed the remaining national service life of the house, and the suite must be able to handle the mortgage registration formalities normally.
If there is no certificate of immovable property right for the property transferred from business to public, the mortgaged property is no longer limited to the borrower, spouse and immediate family members, and other properties that meet the mortgage conditions can also be mortgaged.
The ratio of the borrower's monthly repayment of loan principal and interest to the monthly salary income of the borrower and his spouse is adjusted from no more than 55% to no more than 50%. If the borrower currently has other loans, these loans will be included in the calculation of monthly repayment principal and interest.
2. It is no longer forbidden to repay the loan.
The notice also made it clear that if the amount of loans for employees to purchase self-occupied housing exceeds the total purchase price (subject to the tax amount approved by the deed tax payment certificate), repayment of loans will no longer be prohibited.
Workers' families have both housing provident fund loans and commercial bank loans, and their housing provident fund balance should give priority to repaying housing provident fund loans. Before the housing provident fund loan is paid off, the housing provident fund shall not be withdrawn to repay the loans of commercial banks.
Workers can entrust their immediate family members of the same household registration book to withdraw housing provident fund on their behalf. In addition to providing the basic information extracted, it is also necessary to provide the personal ID card of the manager to prove the household registration book of the immediate family.
3. Withdrawing resignation no longer requires "resignation certificate"
The "Notice" emphasizes that the purchase invoice (receipt) of the information applied for by employees to purchase commercial housing and affordable housing developed by real estate development enterprises is adjusted to the ordinary invoice of purchase value-added tax.
If the employee fails to pay the deposit after leaving the company and the account is sealed for half a year, it is no longer required to provide the contract (or resignation certificate) for dissolving or terminating the labor relationship with the company.
Workers who apply to settle in foreign countries, Hong Kong, Macao and Taiwan are no longer required to provide contracts (or resignation certificates) for dissolving or terminating labor relations with their employers.
In the information required for the extraction of new elevators, the copies of construction project planning permit, construction project construction permit and installation notification filing certificate are uniformly changed to Changsha Existing Multi-storey Residential Elevator Joint Filing and Completion Acceptance Form. Source: Red Net Comprehensive xiaoxiang morning herald
(2) Zhengzhou
The new policy of Zhengzhou provident fund has been implemented since June 65438+1 October1. The main adjustments are as follows:
1. Changed the approval method of loan amount.
Previously, if the husband and wife paid in different systems in the same city or paid in different places, they were all settled as single-paying employees when approving the loan amount, with a maximum loan amount of 400,000. From June 65438+1 October1in 2020, this situation will be settled by double-paid employees, with a maximum loan of 800,000 yuan.
2. Expand the loan target.
Previously, Zhengzhou provident fund loans were limited to Zhengzhou hukou, and employees who paid provident fund in different places in the city or the province applied. Zhengzhou people who work outside the province and pay the provident fund cannot use the provident fund loan when they return to their hometown to buy a house. From June 5438+1 October1in 2020, if you have a Zhengzhou hukou and deposit the provident fund in other provinces, you can also use the provident fund loan to buy a house in Zhengzhou.
3. Increase the amount of provident fund loans.
From June 5438+1 October1day, 2020, both the borrower and his wife met the conditions for provident fund loans, and the family applied for provident fund loans for the first time, and the maximum loan amount was increased from 600,000 yuan to 800,000 yuan. Singles who buy the first suite and use the provident fund loan for the first time can apply for up to 600,000 yuan.
4. Cancel the balance limit of the deposit account.
Was there before? The loan amount does not exceed the prescribed multiple of the deposit balance? The provisions of the. From June 5438+1 October1day, 2020, families who use provident fund loans for the first time will purchase the first suite, and the balance of the deposit account is not limited.
③ Taiyuan
The new policy of Taiyuan Provident Fund has been implemented since April 30th, and the main adjustments are as follows:
1. Tighten the scope of provident fund withdrawal. Paying the property fee will not let you withdraw the provident fund.
2. Limit the withdrawal amount. The extractable amount for employees to purchase, build, renovate or overhaul their own houses shall not be greater than the actual purchase price, and the decoration fee of 1 000 yuan per square meter of housing area shall be cancelled.
Judging from the new provident fund policies of the above provinces and cities, some areas have relaxed the access rules, while others have tightened the access rules. Due to different local policies, specific changes depend on local policies. In addition, only a few provinces, cities and above have listed the new provident fund policy. You can check the relevant documents of the local government on the official website.