According to incomplete statistics, since the second half of 20 19, Hainan, Jiangsu, Guangxi, Guangzhou, Xiamen, Changsha, Chengdu, Deyang, Neijiang, Yinchuan, Zhuzhou, Liuzhou and other places 10 have introduced a new provident fund policy, which has standardized and improved the withdrawal business, loan term or quota, off-site housing withdrawal and anti-fraud withdrawal.
Select a new rule-
Elevator installation in residential buildings in Yinchuan and other places can be applied for extraction.
Housing accumulation fund is a long-term housing deposit paid by employees. Workers who purchase, build, renovate or overhaul their own houses may apply for housing provident fund loans from the housing provident fund management center.
However, many people think that only by buying a house, renting a house and decorating can we withdraw the provident fund. Actually, it's not. At present, many places have increased the situation of "installing an elevator", which can alleviate the financial pressure of owners to some extent.
A few days ago, Yinchuan's policy that "existing residential owners can withdraw housing provident fund to pay for installing elevators" has been formally implemented, and the policy is clear. Employees and their spouses can only withdraw once within three years from the date specified in the invoice for elevator installation, and the total amount of withdrawal shall not exceed the total amount of expenses to be shared for elevator installation.
/kloc-From September, 2000, Chengdu's Administrative Measures for Housing Provident Fund Withdrawal was officially implemented, and the business of adding elevators to existing houses to withdraw provident fund was added. In terms of application conditions, according to the relevant person in charge of Chengdu Provident Fund Center, employees have invested to install elevators for existing houses with ownership in this municipal area, and employees and their spouses can apply for other housing consumption withdrawal business in the year of application. The application business time is within two years after the elevator installation is completed and accepted.
Zhuzhou also proposed that if elevators are installed in existing houses, they can apply for the withdrawal of housing provident fund. In addition, in order to solve the problems of elevator installation involving many departments and difficulty in raising funds, the two levels of finance in the urban area gave 50,000 yuan subsidies to each elevator that met the requirements, totaling 654.38+10,000 yuan. It should be noted that due to the different conditions and procedures for installing elevators in residential buildings in different regions to apply for withdrawal of provident fund, it is necessary to follow the specific regulations of the provident fund management departments in various regions.
Limited monthly withdrawal amount in Chengdu
Chengdu has made it clear that the new policy will be implemented for renting houses in the administrative area of Chengdu, and the monthly limit of the withdrawal quota will be raised for the first time.
Specifically, under the condition that employees provide rental record certificates, if the leased house is located in Chengdu High-tech Zone, Jinjiang District, Qingyang District, jinniu district, Wuhou District and chenghua district, the monthly withdrawal amount of employees shall not exceed 1.34 yuan, and the annual cumulative withdrawal amount shall not exceed 1.6 million yuan; The monthly accumulative withdrawal amount of employees and their spouses shall not exceed 2,680 yuan, and the annual accumulative withdrawal amount shall not exceed 32,000 yuan.
Xiamen restricts the extraction conditions of foreign house purchase
The new policy of Xiamen provident fund has increased the restrictions on the extraction conditions of foreign housing. Workers withdraw provident fund for the purchase, construction, renovation, overhaul of owner-occupied housing or repayment of principal and interest of owner-occupied housing loans. The location of self-occupied housing must be the domicile or work place of the person or spouse.
When employees leave Xiamen after the termination of labor relations with the unit, the provident fund account needs to be "sealed" for half a year before it can be withdrawn or transferred in different places. Workers who work in different places, open provident fund accounts and deposit them stably for more than half a year shall go through the transfer and connection in different places; Non-Xiamen registered employees who have not paid fees in different places can be withdrawn after being sealed for half a year.
Liuzhou suspended the purchase of houses in different places.
Guangxi Liuzhou Housing Provident Fund Management Center recently issued a notice to adjust the policy of extracting housing from different places. From September 6th, the application for withdrawal of housing provident fund will be suspended for those who purchase houses in non-Liuzhou city and where they and their spouses are registered.
It is reported that Liuzhou's policy adjustment is based on the Notice of the Ministry of Housing and Urban-Rural Development, the Ministry of Finance, the People's Bank of China and the Ministry of Public Security on Combating Illegal Withdrawal of Housing Provident Fund, insisting that "the house is used for living, not for speculation", focusing on supporting the withdrawal of housing provident fund. Purchase the first set of ordinary housing and the second set of improved housing at the place of deposit or household registration to prevent the withdrawal of housing provident fund for real estate speculation.
Jiangsu can transfer apps from different places.
On September 1 day, the transfer of housing accumulation fund in Jiangsu province can be APPlied on Jiangsu government service app, and the employees who deposit it can realize that the account goes with people and the money goes with the account with their fingers. It is reported that any employee who has set up a housing provident fund account in the housing fund management center of the provincial government in Jiangsu Province and paid it normally for half a year can transfer the housing provident fund paid in the original work place into a current deposit account.
New loan rules-
Guangzhou adjusts loan term
On August 3 1, the Notice on Issues Related to Adjusting Loan Business Process issued by Guangzhou Housing Provident Fund Management Center was officially implemented. The loan period for applying for housing provident fund loans for the purchase of first-hand existing homes shall not exceed 30 years, and the sum of the loan period and the building age shall not exceed 40 years.
It is understood that "first-hand existing homes" refers to existing homes that developers have not sold in time due to subjective or objective reasons. Similar projects are recognized as quasi-second-hand houses, so the loan policy is different from traditional first-hand houses. In the past, this kind of housing in Guangzhou could only be loaned for 20 years, but now it is clear that the loan period can be 30 years.
In this regard, Yan Yuejin, research director of the think tank center of Yiju Research Institute, said in an interview that the new policy of Guangzhou Provident Fund reflects the new policy trend of current provident fund loans, and also reflects the spirit of convenience and pragmatism, especially for "first-hand existing houses". A more relaxed policy is conducive to the handling of provident fund loans for related projects.
"Under similar policies, the effect of related housing will be better, which will help developers to revitalize existing housing projects, and at the same time allow some buyers to obtain enough loans to reduce the pressure of buying houses." Yan Yuejin said.
Hainan adjusts the requirements for handling second-hand housing provident fund loans.
Hainan recently issued a notice, starting from September 1 day, the requirements for applying for housing provident fund loans for purchasing second-hand houses were changed from "collateral assessment report or quick assessment form issued by qualified real estate assessment agencies" to "real estate assessment report issued by qualified real estate assessment agencies with unified format of provincial real estate assessment and brokerage association and anti-counterfeiting cover of QR code query method".
Why do you want to adjust? It is reported that the number of employees who buy second-hand houses in Hainan and apply for housing provident fund loans is increasing year by year. The evaluation results of some housing evaluation reports or quick evaluation forms are not objective and unreasonable, and some unqualified institutions issue evaluation reports or quick evaluation forms to falsify. Therefore, Hainan further standardizes the requirements for purchasing second-hand houses and applying for housing provident fund loans, with the aim of resolving the risk of loan funds and protecting the rights and interests of employees.
Xiamen implements differentiated credit policy.
The New Deal of Xiamen Provident Fund proposes that employees' families who meet the conditions of commercial individual housing loans in the region, have no outstanding housing provident fund loans, and have no record of two or more housing provident fund loans can apply for housing provident fund loans. The down payment ratio of provident fund loans shall be implemented with reference to the down payment ratio standard of individual housing loans of commercial banks in the same period in the region.
Crack down on cheating and make more new moves.
On May 18, 1 1 day, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance, the People's Bank of China and the Ministry of Public Security jointly issued a document to control illegal withdrawal of housing provident fund. Officials pointed out that some institutions and individuals illegally withdraw housing provident fund by forging proof materials and fictional housing consumption behavior, and some even formed a "black industrial chain" for defrauding the withdrawal of housing provident fund.
The reporter noted that in the second half of 2065438+2009, Guangxi, Changsha, Xiamen, Neijiang, Deyang and other places took various measures to crack down on the illegal withdrawal of housing provident fund, and some areas "showed their swords" to Lao Lai who had maliciously refused to repay the loan for a long time to ensure "no real estate speculation".
Guangxi proposed that a cross-border investigation mechanism should be established as soon as possible to prevent illegal acts and individuals from illegally withdrawing housing provident fund; If the same person buys a house for many times and the marriage relationship changes, many people frequently buy and sell the same house, or buy a house in a different place, especially in a non-registered place or a spouse or a non-immediate relative. It is necessary to strictly examine the authenticity of housing consumption behavior and proof materials to prevent them from being used for real estate speculation.
Changsha has made it clear that once it is found that it is suspected of fraudulent loans, it can suspend the applicant's withdrawal or loan business and decide whether to file a case according to the actual situation. If the illegal facts of fraudulent loans are clear, they will be included in the record of bad behavior, and the applicant's housing provident fund withdrawal, loan, transfer application and certificate of deposit for off-site loans will be suspended within 5 years; Submit the applicant's fraud to his work unit and the Credit Information Center of China People's Bank.
Xiamen stipulates that employees who illegally withdraw housing provident fund shall be recorded in the record of dishonesty and transferred with their personal accounts; Those who illegally withdraw funds will be ordered to return them in full within a time limit, and their housing provident fund withdrawal and loans will be restricted within a certain period of time. If it is not returned within the time limit, it will be classified as a serious act of dishonesty, and the information of dishonesty will be submitted to the relevant administrative departments for joint punishment.
At least two cities in Sichuan have introduced new regulations to crack down on fraudulent withdrawal of provident funds. On July 1, Neijiang implemented the new provident fund policy. Applicants (including spouses) have used 1 provident fund loans and settled them, but the credit report shows that a set of commercial housing loans are being repaid, or two or more commercial housing loans are being repaid, or they have used provident fund loans twice or more, so they are not allowed to apply for provident fund loans. Deyang proposed that through three months of centralized rectification, all kinds of problems existing in the field of housing provident fund that damage the vital interests of paid employees should be completely corrected.
There are also areas that have long been maliciously refusing to repay loans. Tonghua City, Jilin Province issued disciplinary measures for dishonesty of provident fund. If the deposit unit is untrustworthy, the legal representative of the unit will be included in the blacklist of dishonesty; If the depositor cheats, his account will be frozen for three years, and if he cheats, he will lose the right to borrow for five years.