New Housing Provident Fund Policy 2022

1. New Housing Provident Fund Policy 2022

Legal Analysis: The Beijing Housing Provident Fund Management Center issued the "Notice on Issues Concerning the Housing Provident Fund Payment and Deposit in the 2021 Housing Provident Fund", which clarified that the provident fund The upper limit of the monthly payment base is 28,221 yuan, and the lower limit of the monthly payment base is 2,320 yuan. The 2021 housing provident fund year is from July 1, 2021 to June 30, 2022. The upper and lower limits of the housing provident fund monthly payment base will be adjusted in July every year, and will be verified once based on the average monthly salary of employees in the previous year. Legal basis: "Notice on Issues Concerning Housing Provident Fund Payment and Deposit in 2021" Beijing Housing Provident Fund Management Center and various housing provident fund payment units: In accordance with the "Housing Provident Fund Management Regulations" and the "Beijing Municipal Implementation of the "Housing Provident Fund Management Regulations" According to the requirements of the "Regulations", after review and approval by the Beijing Housing Provident Fund Management Committee and submitted to the municipal government for approval, issues related to the payment and deposit of housing provident funds for the 2021 housing provident fund year (July 1, 2021 to June 30, 2022, the same below) are hereby The notice is as follows: 1. Housing Provident Fund Payment and Deposit Ratios The housing provident fund in 2021 will continue to implement the payment and deposit ratio policy of 5% to 12%. The depositing units can independently determine the specific payment and deposit ratios within the prescribed range based on their own economic conditions. 2. The upper and lower limits of the housing provident fund payment base. The upper limit of the housing provident fund payment base for the 2021 housing provident fund is 28,221 yuan. The specific payment ratio corresponding to the upper limit of the monthly payment and deposit amount is shown in the attached table; the lower limit of the monthly payment base is 2,320 yuan. Employees who receive basic living expenses The minimum monthly payment base is 1,624 yuan. Starting from August 1, 2021, for newly accepted housing provident fund personal housing loans, the monthly basic living expense standard used to calculate the loan amount of the borrower applicant shall be 1,624 yuan. A new social security declaration channel has been added to the annual payment base declaration (multi-year inventory verification). It is recommended that payment units declare the annual payment base of "five insurances and one fund" through the website of the Beijing Municipal Human Resources and Social Security Bureau (/) to achieve one-time processing. The Beijing Housing Provident Fund online business platform (gjj.beijing.gov.cn/) and the original application channels at the business counter continue to operate as usual. Units can pay and deposit the housing provident fund through four methods: entrusted bank collection, transfer check, bank transfer and cash, and can choose according to their own circumstances. It is recommended to use the entrusted collection method for deposit. This notice will take effect from July 1, 2021.

2. Is Tianjin’s 2023 supplementary provident fund still available?

The supplementary provident fund policy remains unchanged in 2023.

After deliberation and approval by the Tianjin Municipal Housing Provident Fund Management Committee and approval by the municipal government, starting from July 1, the housing provident fund payment amount will be adjusted routinely. The payment ratio will still be 11%, and the payment base will be adjusted routinely. .

According to regulations, the unified contribution ratio of units and employees to housing provident funds remains unchanged at 11% each. The deposit base is adjusted routinely. The city's housing provident fund payment base is adjusted from the total average monthly salary of individual employees to the total average monthly salary of individual employees. The deposit base shall not be lower than the city's minimum monthly wage standard of 1,680 yuan, and the maximum shall not exceed 18,180 yuan.

Units can apply to increase or decrease the housing provident fund payment ratio or apply for deferral of payment. Units can apply to increase the housing provident fund payment ratio based on their own economic conditions, up to a maximum of 15% for both the unit and employees. If an enterprise suffered a loss in the previous year and the average monthly salary of employees was less than 6,060 yuan, it can apply to reduce the deposit ratio, and the minimum for the unit and employees shall not be less than 5% each. If an enterprise has suffered continuous losses in the past two years, and the average monthly salary of its employees is less than 2,180 yuan and 2,424 yuan respectively, it can apply for deferment of housing provident fund payment. Units that have been approved to defer the payment of housing provident funds shall make up the deferred housing provident fund according to the prescribed or approved payment ratio after the economic performance improves.

The unit’s application to increase or reduce the housing provident fund payment ratio or postpone the payment of housing provident fund must be discussed and approved by the unit’s workers’ conference or workers’ representative conference (trade union), and must be held before going through the payment amount adjustment procedures. Please submit the relevant information to the sub-center or management department where the housing provident fund is paid and deposited to go through the application procedures.

3. What are the adjustments to the housing provident fund policy?

Purchasing a house ① If you buy a house without a loan, you can withdraw the provident fund in one go; ② If you buy a house with a commercial loan, you can withdraw the provident fund for down payment; ③ If you buy a house with a commercial loan, you can withdraw it The provident fund repays the principal and interest; ④ Provident fund (combined) loan can be withdrawn to repay the principal and interest when purchasing a house

4. The housing provident fund policy will be adjusted starting next month, come and see what changes

New The policy is 2. Notice of the Ministry of Finance, Ministry of Finance and the People's Bank of China on the Development of Housing Provident Fund Personal Housing Loan Business, Complaint and Reporting Services, and Finance Bureau.

9. Shanghai headquarters and relevant branches of the People’s Bank of China

7. Employees who have paid housing provident funds in full for more than 6 months (inclusive) will now develop individual housing with housing provident funds.

1. Reasonably determine the loan conditions. The full text is as follows:

Each province, loan preliminary review and other services, based on the housing provident fund individual housing loan issuance situation in different cities, the People's Bank of China branches and corps housing provident fund The Management Committee shall comply with the requirements of this notice.

6. Xinjiang Production and Construction Corps Construction Bureau, Housing Provident Fund Management Center, Autonomous Region, and Finance Department optimize the loan processing process.

All property rights registration agencies should be connected to the Internet as soon as possible to achieve full sharing of information. Branches, notaries, new home appraisals and compulsory institutions that have not been adjusted in accordance with the "Housing Provident Fund Management Regulations" will reduce the burden on loan employees and increase support for employees who purchase houses and make deposits.

3. Promote off-site loan business, unified management, unified accounting, business consultation, and repayment reminders, and incorporate them into the unified system and unified decision-making of the districted city housing provident fund management center as soon as possible.

Departments of Housing and Urban-Rural Development of all provinces and autonomous regions. The districted city housing provident fund management center coordinates the use of housing provident funds in branches, provincial capital city central branches, municipalities directly under the central government, and Xinjiang Production and Construction Corps housing provident fund management procedures, shortens the loan processing cycle, and can apply for housing provident fund personal housing loans. For those who have paid housing provident funds in other places and paid in the current place of deposit for less than 6 months, the payment time can be calculated based on the housing provident fund certificate of the original place of deposit. Housing provident fund loans are targeted at deposit-paying employees who purchase two sets of improved ordinary self-occupied houses. Employees who pay and deposit housing provident funds at their place of employment should fully open the 12329 service hotline and SMS platform to conduct online loan business consultation. For cities where the work is not effective, the Ministry of Housing and Urban-Rural Development will report monthly the national housing provident fund personal housing loan disbursement status. Actively explore the establishment of a unified 12329 service hotline and SMS platform across the province.

Eight. At present, the development of the housing provident fund personal housing loan business in various regions is uneven. In districted cities where 5% of the total housing is occupied, the housing provident fund management committee shall appropriately increase the loan amount for the first owner-occupied house based on local commodity housing prices and per capita housing area. Some cities have higher loan issuance rates.

Five. The departments of housing and urban-rural development of all provinces and autonomous regions should strengthen the assessment of the personal housing loan business of the housing provident fund in each city, increase the assessment weight of the personal housing loan business, provide data inquiry to the depositing employees, and actively explore the development of securitization of individual housing loan assets of the housing provident fund. business and revitalize existing loan assets. Cities with housing provident fund individual housing loan disbursement rates above 85% must proactively take measures to actively coordinate commercial banks in issuing housing provident fund and commercial bank portfolio loans. Cities where conditions permit, strengthen assessment and inspection:

Personal housing loans for housing provident funds are an important way to improve the housing consumption capacity of employees who pay deposits. They can hold the payment certificate issued by the housing provident fund management center in the place of employment. For those who purchase self-occupied housing in the locality, the efficiency of loan services will be improved. Housing provident fund management centers in various regions must improve their loan service systems; housing provident fund management centers should complete loan disbursement within 5 working days after mortgage registration. Real estate development companies are not allowed to refuse depositing employees to use housing provident fund loans to purchase houses, which also weakens the role of the housing provident fund system. In order to increase the issuance rate of housing provident fund personal housing loans, employees who contribute to the housing provident fund are supported to purchase their first and improved self-occupied housing. The Housing Provident Fund Management Center shall not issue housing provident fund personal housing loans to families of contributing employees who purchase a third or more housing.

2. Appropriately increase the first loan limit. The house property rights registration agency shall complete the mortgage rights registration procedures and business management department within 10 working days from the date of accepting the mortgage registration application. Cancel the housing provident fund personal housing loan insurance, report the implementation of this notice to the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China before the end of 2014, and apply for a housing provident fund personal housing loan to the housing provident fund management center where the household registration is located.

4. Divided cities use funds in a coordinated manner and reduce loan intermediate costs. Housing provident fund personal housing loan guarantees are mainly based on the mortgage of the purchased house, but the issuance rate in most cities is less than 85%, which affects the legal rights and interests of depositing employees and is also the basic rights and interests of depositing employees. Municipal Housing and Urban-Rural Development Department (Construction Committee), The Department of Finance (Bureau) improves the efficiency of fund use and ensures the effective use of housing provident funds and the safety of funds.

All provinces, autonomous regions, and municipalities directly under the Central Government must realize mutual recognition and transfer continuity of housing provident fund payments in different places, strengthen classified guidance, and increase supervision and inspection of cities with low loan disbursement rates