Property fees can be paid by provident fund, and the housing provident fund regulations will be revised in 13 years.

Provident fund regulations/kloc-will be revised in 0/3 years, and property fees can be paid by provident fund.

Recently, the Legislative Affairs Office of the State Council announced the revised draft of the Regulations on the Management of Housing Provident Fund (referred to as the "draft for review") for public comments. It has been 13 years since the last revision of the Regulations on the Management of Housing Provident Fund in 2002. With the change of China's economic environment and the rapid development of the real estate market, some urgent problems have been exposed in the implementation of the housing provident fund system. This revision will improve the original regulations.

Compared with the current Regulations on Housing Provident Fund Management, what are the highlights of the revised draft? What impact will it have on our lives? Let's take a look.

The extraction conditions are relaxed, and the extracted provident fund is used to pay property fees.

The draft for review relaxed the extraction conditions: first, it is clear that the purchase, construction, overhaul and decoration of self-occupied housing, the employees without housing pay the rent of self-occupied housing, and the employees pay the property fee of self-occupied housing, all of which can be extracted from the housing provident fund; Second, if it is stipulated to purchase, build, overhaul and decorate owner-occupied housing, repay the principal and interest of housing loans, pay the rent of owner-occupied housing for employees without housing, and pay the property fee of owner-occupied housing for employees, the spouse housing provident fund can be withdrawn at the same time.

Provident funds can be used to pay property fees, which will make the use of provident funds more extensive. Prior to this, similar policies had been implemented in Shanghai, Shandong and other provinces and cities, but not in Hangzhou. The revision of the regulations means that it is possible to implement this policy throughout the country in the future.

But there will be many difficulties in actual operation in Hangzhou. Many old residential property companies in Hangzhou are incomplete or even have no property companies to provide services. Some communities subcontract cleaning and security services to professional companies, so it is difficult for owners to provide proof that they have paid property service fees. In addition, the new provident fund policy implemented in Hangzhou, the loan amount is related to the deposit balance. Therefore, if you plan to use the provident fund to buy a house, paying the property fee with the provident fund may affect the loan amount.

Self-employed and flexible employees can also deposit provident fund.

In addition to relaxing the withdrawal conditions, the range of people who pay the provident fund is further relaxed.

At present, the Regulations on the Management of Housing Provident Fund stipulates that only employees of formal units can pay housing provident fund, and individuals and units can pay it at the same time. Self-employed and freelancers cannot pay provident fund, nor can they enjoy policies such as provident fund loans.

The newly published revised draft proposes that in addition to units and employees, individual industrial and commercial households, part-time employees and other flexible employees without employees can also pay housing provident fund by individuals and enjoy the rights of withdrawal and loan. This is undoubtedly a big plus for some flexible employees.