Legal analysis: the applicable object of Jiaxing enterprises applying for commercial loans at the same level will be adjusted as follows: employees who meet the conditions for applying for commercial loans from 20211and issue commercial personal housing loans before 20 18 12 3 1. Employees who meet the application conditions for commercial-to-public loans and issue commercial personal housing loans after 20 18 12 3 1 can make an appointment at the entrusted bank. During the waiting period, you can first apply for entrusting to withdraw housing provident fund to repay the principal and interest of commercial personal housing loans on a monthly basis or withdraw housing provident fund to repay the principal and interest of commercial personal housing loans on an annual basis to ease the repayment pressure; According to the operation of funds, the Municipal Provident Fund Center will arrange the applicable objects for accepting the subsequent business of transferring loans to the public, and announce them to the public in a timely manner. Specifically, the entrusted bank shall notify the reserved employees to handle the corporate loan transfer business.
The relevant matters concerning the withdrawal of housing provident fund are hereby notified as follows: If the deposited employees apply for withdrawal of housing provident fund to repay or settle the portfolio loans and business-to-public loans in advance, the withdrawal of housing provident fund will give priority to the repayment of the provident fund loans of portfolio loans and business-to-public loans; When applying for monthly withdrawal of housing provident fund to repay the principal and interest of the provident fund loan, the employees who paid the applicant's loan can also apply for monthly withdrawal of housing provident fund to repay the principal and interest of the same commercial loan, and the monthly withdrawal amount does not exceed the monthly deposit amount and the monthly repayment amount; If the paid employees apply for withdrawal of housing provident fund to repay the principal and interest of housing provident fund loans (including provident fund loans, portfolio loans and commercial personal housing loans) in advance, the balance in the employee housing provident fund account (excluding the retained amount when applying for provident fund loans) and the repayment amount shall not be less than 25,000 yuan. Apply for prepayment of housing provident fund loan principal and withdraw housing provident fund once a year (the withdrawal interval is 12 months); Employees themselves and their spouses pay housing provident fund within the administrative area of Jiaxing City. If they don't have their own houses or rented houses, they need to pay the housing provident fund in full for three months before they can withdraw the housing provident fund of both husband and wife to pay the rent.
Legal basis: Notice on Improving the Relevant Matters Concerning the Withdrawal of Housing Provident Fund. 1. If the deposited employee applies for withdrawing the housing provident fund to repay or settle the portfolio loan and the business-to-public loan in advance, the withdrawn housing provident fund will give priority to repaying the provident fund loan part of the portfolio loan and the business-to-public loan. Second, when the paid employees of the applicant's refinancing apply for monthly withdrawal of housing provident fund to repay the principal and interest of the provident fund loan, they can also apply for monthly withdrawal of housing provident fund to repay the principal and interest of the same commercial loan, and the monthly withdrawal amount does not exceed the monthly deposit amount and the monthly repayment amount. Three, deposit workers apply for withdrawal of housing provident fund for early repayment of housing provident fund loans (including provident fund loans, portfolio loans, commercial loans) and commercial personal housing loans, the balance in the employee housing provident fund account (excluding the retained amount when applying for provident fund loans) and the repayment amount shall be not less than 25,000 yuan. Apply for prepayment of housing provident fund loan principal and withdraw housing provident fund once a year (the withdrawal interval is 12 months). Four, workers and their spouses in the administrative area of Jiaxing city housing provident fund deposit, no own housing and rental housing, housing provident fund deposit for three months, can be extracted from both husband and wife housing provident fund to pay rent. V. The above provisions shall be implemented as of 20211. Matters not covered in the Regulations shall be implemented in accordance with the Detailed Rules for the Implementation of Jiaxing Housing Provident Fund Withdrawal Management (No.2020 19).
2. Can foreign buyers get housing provident fund loans when buying a house in Jiaxing?
If you want to get a housing provident fund loan in Jiaxing, you must meet the following conditions.
1, you must pay the provident fund in Jiaxing for more than half a year.
2. The house must be in Jiaxing area, and the developer has signed an agreement with the housing provident fund center.
Iii. Jiaxing Housing Provident Fund 202 1 New Policy
Legal analysis: The applicable objects of Jiaxing's application for transferring business loans from public enterprises to commercial enterprises will be employees who meet the conditions for transferring business loans from public enterprises to commercial personal housing before the release dates of 20 18, 12 and 3 1, and apply for deposit of commercial loans from public enterprises at the entrusted bank before the end of March; You can make an appointment with the trustee bank that meets the application conditions of commercial personal housing loan on February 3, 20 18. During the waiting period, you can first apply for entrusting to withdraw housing provident fund to repay the principal and interest of commercial personal housing loans on a monthly basis or withdraw housing provident fund to repay the principal and interest of commercial personal housing loans on an annual basis to ease the repayment pressure; According to the operation of funds, the Municipal Provident Fund Center will arrange the applicable objects for accepting the subsequent business of transferring loans to the public, and announce them to the public in a timely manner. Specific employees handle business-to-public loan business.
The notice on public housing matters is as follows: if the deposited employees apply for early repayment or settlement of portfolio loans and business-to-public loans, the extracted housing provident fund will give priority to repaying the provident fund loans of portfolio loans and business-to-public loans; The applicant withdraws the housing provident fund and pays the provident fund in the next public month. The housing provident fund is used to repay the amount paid in the current month and the principal and interest repaid in the current month; When employees apply for housing provident fund loans (including provident fund loans, portfolio loans, corporate commercial loans) and commercial personal housing loans, the balance in the employee housing provident fund account (excluding the retained amount when applying for provident fund loans) and the repayment amount shall be not less than 25,000 yuan. Apply for prepayment of housing provident fund loan principal and withdraw housing provident fund once a year (the withdrawal interval is 12 months); If employees and their spouses do not have their own housing and rent a house in Jiaxing, they need to pay the housing accumulation fund for three months in full before they can withdraw the housing of both husband and wife.
Legal basis: Notice on Improving the Relevant Matters Concerning the Withdrawal of Housing Provident Fund. 1. If the deposited employee applies for an advance loan from the housing provident fund, the housing provident fund withdrawn shall take precedence over the provident fund loan. Second, paid employees can apply for monthly withdrawal of housing provident fund to repay the principal and interest of provident fund loans, and the monthly withdrawal amount does not exceed the monthly deposit amount and the monthly repayment principal and interest amount. Three, paid workers to apply for withdrawal of housing provident fund for early repayment of provident fund loans (portfolio loans, corporate commercial loans) and commercial personal housing loans, the balance in the employee housing provident fund account (excluding the retained amount when applying for provident fund loans) and the repayment amount should be not less than 25,000 yuan. The principal withdrawal behavior interval for applying for partial repayment of housing provident fund loans in advance is 12 months), which can be withdrawn once. Four, workers and their spouses in the administrative area of Jiaxing city housing provident fund deposit, no own housing and rental housing, housing provident fund deposit for three months, can be extracted from both husband and wife housing provident fund to pay rent. V. The above provisions shall be implemented as of 20211. The contents not covered in the regulations shall be implemented in accordance with the relevant provisions of Jiaxing City Housing Provident Fund Extraction Management Implementation Rules [2020]19.
Four, Jiaxing provident fund base 202 1 adjustment time?
(1) Determination of deposit base and calculation caliber
The monthly deposit base of employees is determined according to the average monthly salary of employees in 2020, and the calculation caliber of total wages is implemented according to the Provisions on the Composition of Total Wages issued by the National Bureau of Statistics.
(2) Provisions on the deposit base and the upper and lower limits of deposit amount
1. The maximum monthly deposit base of employees shall not exceed 3 times the average monthly salary of employees in the previous year (32,487 yuan), and the maximum monthly deposit amount shall be 7,798 yuan (3,899 yuan for units and individuals); In principle, the minimum is not less than 60% of the average monthly salary of employees (6497 yuan), and the minimum monthly deposit is not less than 650 yuan (325 yuan for each unit and individual). Enterprises with real difficulties, discussed and approved by the workers' congress or the trade union, and approved by the local housing provident fund management department, the monthly deposit base can be determined according to the minimum wage standard published by the municipal government this year.
From 2002/KLOC-0 to 65438+February, the housing provident fund management department will raise the deposit base to the minimum wage standard for employees whose deposit base does not reach the minimum wage standard.
2. The upper limit of deposit base of deposit custodian (individual industrial and commercial households, flexible employees, etc.). ) is 32487 yuan, and the lower limit is 6497 yuan.
(3) deposit ratio
1.202 1 The contribution ratio of enterprises (units) and employees is 5%- 12%, which should be consistent, and one unit should implement the same contribution ratio;
2. The deposit ratio of the deposit custodian is 8%.
(4) Execution time
In principle, the adjusted deposit base will be implemented from 202 11month1,and the difference between 202 1 1 and the adjusted housing provident fund can be paid back.
Second, the treatment method
This year, the deposit base is adjusted, and all enterprises (units) use online declaration. Enterprises (units) log in to Jiaxing Housing Provident Fund website and enter the "online service hall" for handling. For details, please refer to Jiaxing 202 1 Operating Instructions for Online Declaration of Housing Provident Fund Deposit Base Adjustment.
The deposit trustee shall go through the deposit base adjustment procedures at the housing provident fund window of the local government service center.
Third, processing time.
The centralized processing time for this annual adjustment is 20211October 8th-11October 30th.