1.In 2023, the housing accumulation fund will continue to implement the deposit ratio policy of 5% to 12%, and the deposit unit can independently determine the specific deposit ratio within the prescribed scope according to its own economic situation. The upper limit of provident fund is 12%, and the maximum monthly contribution is 2822 1 yuan. Provident funds can be used not only when buying a house, but also through rental contracts or invoices for paying rent.
2. In 2023, the minimum deposit base of housing provident fund for the whole year is 2320 yuan, and the minimum monthly deposit base of employees receiving basic living expenses is 1624 yuan. In addition, since August, 20265438 1 day, the monthly basic living standard for the newly accepted individual housing loan of housing provident fund for calculating the loan amount has been implemented 1624 yuan.
The specific criteria for purchasing houses by provident fund mainly include:
1. Time requirement for payment: Applicants who apply for provident fund loans to purchase houses need to pay the provident fund for a certain period of time. The specific time requirement varies from region to region, generally from 6 months to 1 year;
2. Limitation on purchase area and total price: Different cities and regions have different restrictions on purchasing houses with provident fund loans. Generally speaking, the housing area and total price of provident fund loans have certain restrictions, which need to be specified according to local policies;
3. Self-owned housing: If the applicant already owns 1 house or above, it is generally not allowed to apply for a provident fund loan to purchase a house;
4. Repayment ability: the applicant needs to have repayment ability, that is, the applicant's repayment ability must meet the requirements of banks or real estate companies, including income and credit records;
5. Other requirements: the applicant must have full capacity for civil conduct and provide certain loan application materials, such as ID card, income certificate, house purchase contract, etc.
To sum up, the standards and policies for purchasing houses with provident fund loans may be different due to different regions and policies. Specific standards and policies need to consult the local housing provident fund management center or relevant departments to ensure compliance with policy requirements. In addition, when applying for provident fund loans to buy a house, you need to carefully understand the relevant regulations and requirements to avoid illegal acts and losses.
Legal basis:
Article 24 of the Regulations of People's Republic of China (PRC) Municipality on the Administration of Housing Provident Fund.
In any of the following circumstances, employees may withdraw the storage balance in the employee housing provident fund account:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
(six) the rent exceeds the prescribed proportion of family wage income.
In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.
If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.