2065438+On May 25th, 2005, Ningxia Housing Provident Fund Management Center issued the Notice on Further Expanding the Loan Business and Withdrawal Scope of Housing Provident Fund. Details are as follows:
The first is to expand the scope of rental housing extraction.
Workers who have paid the housing provident fund in full for more than 3 months in a row, and their spouses and I have no own houses at the place where the housing provident fund is paid or at the place where they work, can withdraw the housing provident fund once a year to pay the rent.
If a public company rents a house, it shall provide a house lease contract and proof of rent payment, which shall be extracted according to the actual amount of rent expenditure.
If you rent a commercial house, you should provide the certificate issued by the local real estate management department that you and your spouse have no real estate, the lease contract and tax invoice, and the maximum rent withdrawal amount should not exceed RMB16,200 per year (the average rental market area in Yinchuan last year was 90 132 1× average price 15 yuan/m2 ×/kloc-). The standard of drawing housing provident fund to pay rent should be adjusted in time with the changes of market conditions.
If it is clearly stipulated in the housing lease contract that the property management fee of the leased house shall be paid by the lessee, the housing provident fund may be withdrawn to pay the property management fee at the same time (an invoice for the property management fee shall be provided).
Second, extend the extraction period of house purchase.
If the employee uses the unused housing provident fund loan for the purchase of owner-occupied housing, he can withdraw his or her spouse's housing provident fund once within 3 years from the date of signing the purchase contract, and the withdrawal amount shall not exceed the total purchase price.
Third, extract the house decoration.
Employees who have normally paid the housing provident fund for more than 10 years (including 10 years) and have never used the housing provident fund can withdraw their own and their spouses' housing provident fund for the decoration of their own housing if the age of their own housing in the place where the housing provident fund was paid or in their workplace is more than 10 years (including 10 years).
If the employee or spouse has used the housing provident fund, the housing provident fund cannot be withdrawn when the house is renovated.
Paid-in employees can only apply for renovation and exit from a set of self-occupied housing, and the maximum ceiling for renovation and exit from self-occupied housing is 79,200 yuan (the average sales price of commercial housing in 20 14 years is 5,500 yuan per square meter × the area of ordinary commercial housing × 10%).
When the paid employees withdraw, they should provide the house ownership certificate, deed tax payment certificate or tax payment certificate (if the house ownership certificate is not handled, the purchase contract and purchase invoice should be provided).
Fourth, relax the conditions of use between immediate family members.
When paying employees to buy or build self-occupied housing, they can apply for withdrawing the housing provident fund of themselves and their spouses' parents and children with the proof of their immediate family members, and the total amount of withdrawal shall not exceed the total purchase price.
If the paid employee purchases the owner-occupied house and the buyer is one or both husband and wife, and * * * is an unmarried adult child of the same household, and one of them normally pays the housing provident fund, he can apply for a housing provident fund loan in the name of the depositor.
Five, increase the amount of housing provident fund loans
Employees who have paid the housing provident fund in full for more than 6 months can apply for housing provident fund loans, and the loan amount will be increased from no more than 15 times of the balance paid by themselves (including their spouses) to no more than 20 times of the balance paid by themselves (including their spouses).
If the paid employees use the housing provident fund loans for the first time to purchase ordinary self-occupied houses (below 144 square meters), the proportion of housing provident fund loans will be uniformly adjusted from not exceeding 75% of the total purchase price (60% for second-hand houses) to not exceeding 80% of the total purchase price, but the loan amount shall not exceed the maximum amount of housing provident fund loans. Apply for housing provident fund loans for more than two times, and the proportion of commercial housing and second-hand housing provident fund loans shall not exceed 70% and 60% of the total purchase price respectively.
Six, unified commercial loans to the housing provident fund loan limit.
If the balance of commercial loans (including guarantees) paid to employees and their spouses is less than 200,000 yuan, employees who deposit their own houses and apply for housing provident fund loans may apply for housing provident fund loans if they meet the conditions for housing provident fund loans. However, the sum of the applied housing provident fund loans and commercial loans (including guarantees) shall not exceed the maximum amount of housing provident fund loans (the maximum amount of second-hand housing is 300,000 yuan; The maximum deposit of a set of commercial housing housing provident fund is 400,000 yuan, and the maximum deposit of housing provident fund for both husband and wife is 500,000 yuan).
Seven, increase the self-occupied housing property fee extraction business.
Workers who have paid the housing provident fund in full for more than 3 months in a row, own a set of self-occupied housing at the place where the housing provident fund is paid or at the place of work, and need to pay the property management fee are allowed to withdraw the housing provident fund to pay the property management fee. Provide the house ownership certificate (if there is no house ownership certificate, provide the purchase contract and purchase invoice) and the property management fee payment invoice at the time of withdrawal. Employees and spouses can only apply for a set of self-occupied housing every year to withdraw housing provident fund to pay property management fees, and the withdrawal amount shall not exceed the property management fees payable in that year.
If the paid employee (or spouse) has a housing provident fund loan, the balance of the housing provident fund account will be used to repay the housing provident fund loan first.
Eight, expand the scope of "commercial to public" housing provident fund loan applicants.
In line with the conditions of personal commercial self-occupied housing loan to housing provident fund loan, both husband and wife signed the original purchase contract and both husband and wife met the conditions of housing provident fund loan, either party can apply for housing provident fund loan.
Nine, simplify the loan approval procedures
The current examination and approval procedures for housing provident fund loans are simplified from five levels of examination and approval (preliminary examination, review, review by the department head, review by the deputy director in charge, and approval by the loan review meeting) to three levels of examination and approval (preliminary examination, review and final review).
This notice shall be implemented as of the date of issuance.
Source:/info/1011314.htm.