Hebei Provident Fund 2022 Policy?

1.Hebei provident fund policy in 2022?

First, Hebei housing provident fund loan amount

Increase the maximum loan amount of housing provident fund. Increase the maximum amount of housing provident fund personal housing loans from 400,000 yuan to 600,000 yuan.

Second, Hebei housing provident fund portfolio loan policy

Actively promote the housing provident fund loans and individual housing commercial loans portfolio loan business and "business-to-business" individual housing loan business, and carry out the housing provident fund loan business in which employees who are not registered in the province purchase ordinary self-occupied housing at the registered residence and the balance of housing provident fund offset the loan repayment business.

Three, unmarried children to buy their own housing policy

* * * Unmarried children living together can withdraw the balance of their parents' housing provident fund account when they buy self-occupied housing.

Four, Hebei housing provident fund to pay property fees policy

From 20 15, the paid employees can withdraw the housing provident fund to pay the property fee of a set of ordinary self-occupied houses in the previous year, and withdraw it once a year. The specific withdrawal amount is comprehensively determined by the municipal housing provident fund management committees according to the local property fee level.

Five, Hebei province housing provident fund loan discount policy

Urban residents and destitute workers recognized by relevant departments can apply for a certain percentage of loan interest discount every year if they use housing provident fund loans to purchase the first family-occupied housing with a construction area equal to or less than 90 square meters. The discount ratio is determined by the Municipal Housing Provident Fund Management Committee.

Six, Hebei housing provident fund benefit policy

Municipalities actively coordinate Ministry of Human Resources and Social Security to incorporate the housing provident fund deposit into the labor contract, so that employees can understand the housing provident fund system as soon as they get employed, so that more migrant workers can enjoy this policy of benefiting the people and better promote the new urbanization process in our province.

Seven, Hebei housing provident fund information policy

Municipalities should establish an information sharing mechanism with relevant departments as soon as possible to improve the management ability and service level of housing provident fund. Before the end of June this year, the housing provident fund business management system will be connected with the personal credit information system of the People's Bank of China and the property right information system of the real estate management department, and 10 will be connected with the citizen identity information identification system of the public security department and the marriage registration inquiry system of the civil affairs department before the end of this year. The paid employees can handle housing provident fund withdrawal, loans and other businesses without providing personal credit, property rights, marital status and other related information, which shortens the business processing time, improves work efficiency and reduces social costs.

2. What are the new regulations for the withdrawal of provident fund in 2020?

Relax the conditions for employees to withdraw housing provident fund to pay rent. Workers who have no housing (who have no own housing in the deposit city and rent a house) can withdraw the housing provident fund to pay the rent as long as they have continuously paid the provident fund for three months, without the need for rent invoices and tax stamps. If you rent a commercial house, you need to provide proof that you and your spouse have no real estate. The local housing provident fund management committee will determine the rent withdrawal amount according to the local market rent level and the rental housing area. To rent public rental housing, it is necessary to provide a housing lease contract and proof of rent payment, and extract it in full according to the actual rent expenditure.

The new rules for the withdrawal of provident fund in 2020 are as follows:

1. Cancel the restriction on the proportion of rent expenditure to household income, and do not need to provide tax payment certificate and lease contract for filing. The Ministry of Housing and Urban-Rural Development and other departments jointly issued new regulations to relax the conditions for employees to withdraw housing provident fund to pay rent.

2. As long as you can provide proof that you and your spouse have no real estate, the local housing provident fund management committees will determine the rent withdrawal amount according to the local market rent level and rental area. If you rent public rental housing, you need to provide a housing lease contract and proof of rent payment, and extract it in full according to the actual rent expenditure.

3. In order to improve the efficiency of the extraction audit, the new regulations require that the application materials of the deposited employees are complete and should be handled immediately after the audit is correct. Need to further verify the application materials, it shall be completed within 3 working days from the date of accepting the application for extraction.

4. The Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the Central Bank issued a notice: employees have paid the housing provident fund in full for three consecutive months. If they and their spouses have no own houses in this city and rent a house, they can withdraw the housing provident fund of both husband and wife to pay the rent. This means that in the future, employees who have no housing (who have no own housing in the deposit city and rent a house) can withdraw the housing provident fund to pay the rent as long as they have continuously paid the provident fund for three months.

Third, Shijiazhuang provident fund withdrawal policy 2022

Individuals can withdraw housing provident fund, but the amount of housing provident fund withdrawal is different in different situations, as follows: 1. Housing provident fund can be withdrawn once a month in the case of buying a house and using a mortgage, and the accumulated withdrawal amount shall not exceed the actual housing expenditure; 2. Withdraw the housing accumulation fund in the case of one-time payment for house purchase. Employees and their spouses can withdraw the housing provident fund in full once every quarter, up to four times a year. In fact, the following aspects must be met in the two withdrawals of personal provident fund in 2022: 1. In the case of buying a house and applying for a housing loan, the provident fund needs to be withdrawn once a month, and the total amount of withdrawal cannot exceed the specific housing expenditure. 2. Withdraw the provident fund in the case of one-time payment for buying a house. The employee and his other half can withdraw the provident fund in full once a quarter and four times a year. 3, construction, overhaul from housing, interior decoration to extract provident fund, the amount of extraction can not be higher than the specific expenses. 4. If you rent a house, you must withdraw the provident fund. Employees and the other half can withdraw the provident fund in full every year, but the total amount withdrawn each year shall not be higher than the total rent in the new year. Under any of the following circumstances, employees can withdraw the storage balance in the employee housing provident fund account: (1) purchasing, building, renovating or overhauling their own houses; (2) retirement; (three) completely lose the ability to work, and terminate the labor relationship with the unit; (4) Having left the country to settle down; (5) Repaying the principal and interest of the house purchase loan; (six) the rent exceeds the proportion of family wage income. When withdrawing the employee housing provident fund, the employee housing provident fund account shall be cancelled at the same time. Legal basis: Article 25 of the Regulations on the Management of Housing Provident Fund, if an employee withdraws the balance stored in the housing provident fund account, the unit where he works shall verify it and issue a certificate of withdrawal. Workers apply to the housing provident fund management center for withdrawal of housing provident fund with the withdrawal certificate. The housing provident fund management center shall, within 3 days from the date of accepting the application, make a decision on whether to approve or disapprove the withdrawal, and notify the applicant; If the withdrawal is approved, the entrusted bank shall go through the payment procedures. Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

Fourth, the new policy of housing provident fund in 2022

As we all know, one of the most useful savings is to let Da Yue deduct a sum of money from everyone's salary and then return it to employees when they need to buy a house.

What's more, after the state deducts a sum of money from your salary, your unit has to save a sum of money for your housing problem. In other words, the existing deposit is equivalent to increasing your income in disguise.

Therefore, the provident fund is very important to people's lives, which is related to everyone's life. Moreover, with the changes of the times, it is predicted that by 2022, the scope of application of the provident fund will become larger and larger, not only when buying a house, but also in more aspects of life.

Specific to 2022, what changes have been made to the provident fund?

First, the specific use of the provident fund has been broadened.

In some cities, such as Changchun, the policy stipulates that employees can use their own provident fund to install elevators and other facilities for their houses or buildings, and not only employees, employees' children and provident fund.

If employees' parents and children, their buildings also need to be equipped with a series of facilities that benefit the people, such as elevators, for their use. In addition to Changchun, a typical city, some big cities such as Shanghai and Beijing have also been allowed to adopt this policy.

At the same time, in addition to the policy of increasing building facilities, employees can live like renting houses, which can effectively reduce everyone's housing burden.

Moreover, in a more promising decade or two, most areas in China will support using their own provident fund to pay their own medical expenses for serious illness. Just in Tangshan, Hebei Province, it is clearly stipulated that some eligible employees can use their own provident fund to pay for themselves.

Second, the adjustment of employee provident fund

After the minimum wage standard and the average wage level raised by the state for employees' wages are above, the storage amount of the provident fund will also increase.

12 the lower limit of the city's provident fund amount has been raised to 28,000 yuan, which is about 3,000 yuan higher than before. At the same time, since 65438+February, Guangzhou, Maoming, Changchun and other cities have also raised the lower limit of the amount of provident fund. After the lower limit of provident fund deposit is raised, not only do you save more money, but the company also gives you more money, and the savings of employees can be said to be greatly increased.

Third, the amount of provident fund loans for employees has also increased.

In order to alleviate the pressure of buying houses in today's society, some areas have introduced preferential policies to implement provident fund for talent housing. Some professionals who meet local conditions can get some preferential provident fund loans when buying the first and second self-occupied houses.

At the same time, the minimum amount of provident fund loans has been raised to 6,543,800 yuan. In some places, the loan amount of husband and wife can even reach 6.5438+0.5 million yuan. In Henan, the minimum amount of single-person loans increased to 6.5438+0.2 million yuan, an increase of 50% over the previous year.

Four, employee housing provident fund can be mutual recognition and mutual loans in different places.

The other most important point is mutual recognition and mutual loan in different places. In other words, employees working in one city can recognize each other and borrow their own housing provident fund in another city. For example, if you buy a house in other cities, you can also apply for provident fund loans in different places, which can be said to increase the geographical scope of the use of employee provident fund.

Then for our employees, it is equivalent to increasing our own wages and reducing our economic burden. Because in today's society, people's demand for buying houses in different places still accounts for the majority. In order to meet the needs of these people, the state has also introduced corresponding policies.

The new reform of provident fund has also promoted the living standards of many people, but it has brought another problem, that is, how to use these provident funds reasonably. Some employees can withdraw all these provident funds, pay the down payment directly when buying a house, and then repay the loan slowly, or buy the whole house at one time.

This can save a lot of loan interest, but some employees have different ideas. They don't want to buy a house directly, but they can also use the provident fund to solve the problem of high pressure on renting a house, so the interest they have to pay is much lower than that of ordinary mortgages.

For people who already have a house, the provident fund can not only enable them to buy a second house, but also allow them to use this precious provident fund to transform their original houses, such as adding peripheral equipment and some conveniences to their houses, and at the same time, building these conveniences for the relatives and families of these employees.

This is undoubtedly a very generous welfare for many people. And there is a more important audience, that is, some freshmen are very helpful. After graduation, college students should not only face their own work pressure, but also consider their future housing. They are going to rent a house first. They can use their own provident fund when renting a house outside, and they can continue to use it when buying a house in the future.

The country is also constantly reforming, so that the provident fund can guarantee our housing demand to the greatest extent, expand its use and make our life better and better. Provident fund plays an increasingly important role in supporting employees to buy houses and rent houses, which can reduce people's economic burden. At the same time, after the provident fund system ushered in new changes in 2022, employees' wages began to increase in disguise.

The society is constantly changing and the country is developing rapidly. But there is a problem rooted in our hearts, and that is the problem of buying a house and housing. After all, everyone wants to have a home and a house, which is also the most realistic and direct problem we face.

summary

However, with the continuous prosperity of the country and policy reforms, such as the reform of the national provident fund, our housing needs have been largely guaranteed. Moreover, by expanding the use scope of provident fund, our life is more and more convenient, our life is getting better and better, all our rights and interests are guaranteed, and the national economy is also booming.

If I use my housing provident fund to apply for housing provident fund loans, the maximum loan amount is 400,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the maximum loan amount is 600,000 yuan. I use my housing provident fund to apply for housing provident fund loans, and if I pay the housing provident fund normally when applying for loans, the maximum loan amount is 500,000 yuan; At the same time, if the spouse's housing provident fund is used to apply for a housing provident fund loan, and the spouse or I normally pay a supplementary housing provident fund when applying for a loan, the maximum loan amount is 700,000 yuan.

Provident fund loan amount refers to the maximum loan amount that an individual can apply for when using provident fund loans. Only employees who have permanent residence in local cities and towns, have established the housing provident fund system for more than 2 years, and have paid the housing provident fund according to regulations can enjoy the provident fund loan when the funds for purchasing or building houses or renovating or overhauling their own houses are insufficient.

Housing provident fund loan amount:

Provident fund loan amount refers to the maximum loan amount that an individual can apply for when using provident fund loans. Only employees who have permanent residence in local cities and towns, have established the housing provident fund system for more than 2 years, and have paid the housing provident fund according to regulations can enjoy the provident fund loan when the funds for purchasing or building houses or renovating or overhauling their own houses are insufficient. The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, proportion of house price, balance of housing provident fund account and maximum loan amount, and the minimum value calculated by the four conditions is the maximum loanable amount of the borrower.

The amount of gold loan is calculated as follows:

(1) Loan amount calculated according to repayment ability,

(2) According to the amount used by the spouse, the repayment ability coefficient is 40% of the total monthly salary = the monthly contribution of the provident fund ÷ (unit contribution ratio and individual contribution ratio).

(3) The calculation method of loan amount based on house price is as follows: loan amount = house price × loan ratio.

(4) the loan amount calculated according to the maximum loan amount

Legal basis:

Article 11 of the Regulations on the Management of Housing Provident Fund

The housing provident fund management center shall perform the following duties:

(a) the preparation and implementation of housing provident fund collection and use plan;

(two) responsible for recording the deposit, withdrawal and use of employee housing provident fund;

(three) responsible for the accounting of housing provident fund;

(four) to approve the extraction and use of housing provident fund;

(five) responsible for the preservation and return of housing provident fund;

(six) the preparation of housing provident fund collection and use plan implementation report;

(seven) to undertake other matters decided by the housing provident fund management committee.