The latest policy of transferring provident fund business to public in Gansu Province 2022

Gansu province's provident fund loan policy has recently introduced new policies, including reducing the down payment ratio to 20%, providing a loan amount to 600,000, and supporting businesses to turn public. Bian Xiao Social Security Network Provident Fund has compiled detailed contents from this new loan policy for your reference. 1. Loan amount The loan amount of housing provident fund in Gansu Province increased from 500,000 yuan to 600,000 yuan, of which the loan amount of housing provident fund for single employees increased from 400,000 yuan to 500,000 yuan. 2. Down payment ratio The down payment ratio of housing provident fund loans in Gansu Province was reduced from 30% to 20%. 3. Employees who have paid the housing provident fund for six months or more normally, continuously and in full can apply for housing provident fund loans. 4. Employees who deposit housing provident fund in Gansu Province with loans from different places can apply for housing provident fund loans from the provincial center if they purchase houses in different places or in other housing provident fund management centers in Lanzhou. 5 employees apply for housing loans in commercial banks, and after obtaining the "Ownership Certificate" from the provincial central housing provident fund, they can be converted into housing provident fund loans. 6. Shorten the processing time and shorten the processing time. The processing time of housing provident fund mortgage loan is shortened from 16 working days from the date when the borrower officially and completely delivers the house to 10 working days; The secured loan for house purchase shall be issued within 3 working days from the date when the borrower officially completes the delivery of the house. 7. Withdraw the provident fund. Rent a house normally, continuously and in full, and pay the housing accumulation fund continuously for six months or more, and if I and my spouse pay the housing accumulation fund in the provincial center of Lanzhou, they can withdraw the accumulation fund when renting public rental housing or other housing. Among them, if you rent public rental housing, you can withdraw the housing provident fund of employees and their spouses every year, and the amount of withdrawal is the actual rental fee that needs to be paid in that year; If you rent other houses in Lanzhou, you can withdraw the housing provident fund every year, and the amount of withdrawal is the amount of housing provident fund that employees and their spouses should pay in that year. 8. Employees who normally withdraw housing provident fund and pay property fees in full and continuously, and have paid housing provident fund for three months or more, but have not withdrawn housing provident fund or applied for housing provident fund loans in other forms, will pay housing provident fund in the provincial center. With the "Property Ownership Certificate" of the employee or spouse, the housing accumulation fund can be withdrawn for housing consumption (including property management, water and electricity heating and other expenses) every year. The accumulated withdrawal amount in that year shall not exceed 50% of the deposit amount of the housing provident fund of the employee himself and his spouse in that year.