Changchun: Difficult units can apply for deferred payment of housing provident fund.

On May 16, Changchun Provincial Housing Provident Fund Management Sub-center issued the Notice on Adjusting Relevant Policies of Housing Provident Fund during the Epidemic Period. Due to the epidemic situation, it is indeed difficult for the unit to pay the housing provident fund. With the approval of the unit, it can apply for deferring the housing provident fund or reducing the proportion of housing provident fund payment (minimum 5%), and the period does not exceed September 30, 2022.

Viewpoint The new media learned that after the expiration of this policy, the holdover unit needs to resume normal deposit and pay back in time. If it is difficult to pay in one lump sum, you can apply for payment in batches; Units that reduce the deposit ratio need to restore the normal ratio in time, and those that pay less because of the decrease in the deposit ratio do not need to pay back. During the holdover period, the deposit time is calculated continuously, which does not affect the normal application and withdrawal of loans by employees.

In the housing provident fund withdrawal business, the first is to extend the withdrawal time limit. Meet the relevant conditions and because the epidemic control exceeds the prescribed exit time limit, it can be extended to September 30, 2022; The other is to relax the extraction time limit. 2022 rent withdrawal is not limited by 12 months, and 2022 line can be withdrawn in advance.

In the housing provident fund loan business, the first is to relax the time requirement for loan application. The requirement for employees to apply for housing provident fund personal housing loans and pay housing provident fund in full is relaxed from 12 months (inclusive) to 6 months (inclusive); The second is to reduce the down payment ratio of loans. When employees apply for housing provident fund personal housing loans for the first time, the minimum down payment ratio shall not be less than 20%; For the second application, the down payment ratio shall not be less than 30%. The term shall not exceed 65438+February 3, 20221; The third is to reduce the deposit retention rate of existing loans. If the real estate development project in Changchun keeps the loan deposit in our center, it shall be kept at 1% of the unrealized (unsecured) loan amount.

The above policy adjustments include relaxing the time requirement for applying for loan deposit, canceling the second loan interval limit, reducing the down payment ratio of loans, implementing the preferential loan interest rate policy and continuously developing the portfolio loan business, so that more employees can enjoy the preferential housing provident fund policy and realize their desire to live in peace.

It is also known that the center has stopped collecting housing provident fund loan deposits since June 5438 +2020 10, and new cooperation projects will no longer be collected. This time, we will continue to introduce preferential policies to reduce the retention ratio of stock deposits of real estate development enterprises.