The first loan amount of family provident fund for families with more than two children in Ningbo has been increased to 800,000, and the housing provident fund consists of two parts, one part paid by the employee's unit and the other part paid by the employee. The first loan amount of family provident fund for two children and above in Ningbo has been increased to 800,000.
The first loan amount of provident fund for families with two or more children in Ningbo has been increased to 800,000 1. Some netizens asked China ningbo net Minsheng E for verification: WeChat friends circle saw the red-headed document of the Provident Fund Center, saying that the loan amount could be raised to 800,000, which was linked to the second and third births. Is it true?/You don't say.
The reporter learned through the Ningbo housing provident fund service hotline that the maximum loanable amount of the provident fund will be increased from 600,000 yuan to 800,000 yuan if the following conditions are met: families with two or three children according to the national birth policy from 20221; In the same month, apply for two years of normal continuous payment of housing provident fund, and purchase the first suite under the name of the family; Apply for housing provident fund loan for the first time.
However, before June 65438+1 October1in 2022, if the house purchased by the borrower has been signed online in the system of the housing transaction management department of this Municipality, or the application materials for the business-to-public loan have been accepted, the original housing provident fund loan will still be implemented.
At present, Cixi has also announced that it will increase the maximum loan amount of housing provident fund to 800,000 yuan/household.
Conditions for applying for housing provident fund loans
Anyone who has continuously paid the housing provident fund for more than 6 months or accumulated the provident fund for more than 1 year and is still paying the provident fund is eligible to apply.
1. Units and individuals that establish the housing provident fund system within the administrative area of this Municipality. Employees who have paid the housing provident fund continuously, on time and in full for more than 6 months (including 6 months) before the month of applying for a loan may apply for a loan.
2. When applying for a loan, the applicant shall meet the following conditions:
(1) has a permanent residence in this city or other legal and valid residence status;
(2) having stable income, good credit and the ability to repay the principal and interest of the loan;
(3) There are legal and effective proof materials for the purchase and construction of housing;
(4) Agree to use the guarantee method approved by the Provident Fund Center;
(five) meet other conditions stipulated by the municipal provident fund management center.
3, the purchase of commercial housing, second-hand housing, affordable housing, resettlement housing, public housing or construction, renovation, overhaul occupied housing. , you can apply for provident fund loans.
The first loan amount of family provident fund for two children and above in Ningbo increased to 802,000. The first loan is the first commercial housing loan. If your first house is not a commercial house, but the original public housing reform, then you can apply for the first loan of provident fund if you buy a commercial house now. Non-first loan is not the first commercial housing loan.
Housing accumulation fund refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees. With the characteristics of security, mutual assistance and long-term, it is mainly used for employees to buy, build, rebuild, overhaul and decorate their own houses or pay rent.
Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees. The definition of housing provident fund includes the following five aspects:
(1) The housing accumulation fund is only established in cities and towns, and the housing accumulation fund system is not established in rural areas.
(2) Only on-the-job employees can establish the housing accumulation fund system. Unemployed urban residents and retired workers do not implement the housing provident fund system.
(3) The housing accumulation fund consists of two parts, one part is paid by the employee's unit, and the other part is paid by the employee. After the employee's individual deposit is withheld by the unit, it will be deposited into the individual account of the housing provident fund together with the unit deposit.
(4) The long-term nature of housing provident fund deposit. Once the housing provident fund system is established, employees must be paid continuously in accordance with the regulations during their employment, and shall not be suspended or interrupted except for employees' retirement or other circumstances stipulated in the Regulations on the Administration of Housing Provident Fund. It embodies the stability, unity, standardization and compulsion of housing provident fund.
(5) The housing accumulation fund is a personal housing savings fund specially used by employees for housing consumption expenditure according to regulations, which has two characteristics:
First, it is cumulative, that is, the housing provident fund is not an integral part of employees' wages, and it is not paid in cash. It must be deposited in a special account opened by the housing provident fund management center in the entrusted bank, and special account management is implemented.
The second is special. The housing provident fund is earmarked for special purposes and can only be used for the purchase, construction, overhaul of self-occupied housing or the payment of rent during storage. Only when the employee retires, dies, completely loses the ability to work, terminates the labor relationship with the unit or moves out of the original city can the housing provident fund in his account be withdrawn.
The first loan amount of housing provident fund for families with two children and above in Ningbo has been increased to 800,00312.30. Confirmed by the Ningbo Housing Provident Fund Service Hotline, from next year, families who have two or three children in line with the national birth policy will pay the housing provident fund for two consecutive years and apply for provident fund loans for the first time to buy the first self-occupied housing. The maximum loan amount will be raised from 600,000 yuan/household to 800,000 yuan/household.
The hotline staff said that the document issued by Ningbo Housing Provident Fund Management Committee stipulated that this policy would be implemented from June 5438+ 10/0/2022. If the house purchased by the borrower has been signed online in the information system of the municipal housing transaction management department, it will still be implemented according to the original housing provident fund loan policy. If the borrower's business loan information has been accepted, it will still be implemented according to the original housing provident fund loan policy.
On February 29th, 65438+, the official of the Housing and Construction Bureau of Cixi City, Ningbo, look! The New Adjustment of Ningbo Housing Provident Fund Loan Policy pushes the Notice on Adjusting Ningbo Housing Provident Fund Loan Policy, saying that this adjustment is to thoroughly implement the decision and deployment of the CPC Central Committee the State Council, promote the long-term balanced development of the population, give play to the housing guarantee function of the housing provident fund in the implementation of the national two-child or three-child birth policy, and support the rigid housing needs of employees.
On the same day, official website, the district government of Fenghua, Ningbo, issued the Adjustment of Housing Provident Fund Loan Policy in Fenghua, Ningbo: From 1, from 2022 onwards, families with two or three children who meet the national birth policy will continuously pay housing provident fund for two years, and apply for provident fund loans for the first time to purchase the first self-occupied housing, and the maximum loan amount of housing provident fund will be increased from 400,000 yuan/household to 600,000 yuan/household.