Hebei province provident fund loan new deal

Qinhuangdao: The maximum amount of provident fund loan is 800,000 yuan.

On June 6th, the Housing Provident Fund Management Center of Qinhuangdao City, Hebei Province issued the detailed rules for the implementation of "Several Policies and Measures on Stabilizing the Economic Operation of our City" by the municipal government.

According to the New Deal, Qinhuangdao raised the maximum loan amount, and the upper limit of the single employee loan amount was adjusted from 400,000 yuan to 600,000 yuan, and the upper limit of the double employee family loan amount was adjusted from 600,000 yuan to 800,000 yuan.

When using the housing provident fund loan to purchase self-occupied housing for two-star green buildings and ultra-low-energy buildings, the loan amount will be increased by 10% on the premise that the maximum loan amount of Qinhuangdao housing provident fund is not exceeded and the repayment ability meets the policy requirements.

At the same time, if Qinhuangdao reduces the down payment ratio of the second set of loans, pays off the depositor of the first individual housing provident fund loan, and applies for housing provident fund loans to buy self-occupied housing again, the minimum down payment ratio will be adjusted from not less than 60% to not less than 30%.

The New Deal also proposes that if Qinhuangdao City pays the full amount of employees to buy new self-occupied houses in this city, parents of both husband and wife can apply for withdrawing housing provident fund to support their children to buy houses (only once).

In terms of extending the control line of housing age for stock housing loans, the New Deal mentioned that the maximum housing age limit for those who purchase stock housing (second-hand housing) and apply for housing provident fund loans will be adjusted from no more than 25 years to no more than 30 years, and the sum of housing age and loan life will not exceed 45 years.

In order to increase the support for renting expenses, the New Deal proposed to increase the maximum amount of housing accumulation fund for renting commercial housing for families without housing. The main urban area (seaport area and western development zone) was adjusted from the original 1 10,000 yuan/year to1.20,000 yuan/year, and other districts and counties were adjusted from the original 8,000 yuan/year to 9,000 yuan/year.

In addition, the New Deal clearly implements a deferred payment policy for enterprises with operational difficulties. Enterprises with difficulties in production and operation affected by the COVID-19 epidemic may apply to the Municipal Housing Provident Fund Management Center for holdover according to regulations. Upon approval, the enterprise can postpone the payment of housing provident fund before the end of the year, and then repay it after the economic benefits improve. Employees of holdover enterprises can normally withdraw and apply for housing provident fund loans, which is not affected by holdover of enterprises.

Affected by the epidemic situation in COVID-19, families with difficulties in life cannot repay the housing provident fund loans normally, and can apply to the municipal housing provident fund management center for deferred repayment in accordance with the regulations. Upon examination, it is confirmed that the loan will not be overdue and will not be submitted to the credit reporting department as an overdue record.

20 15 Hebei housing provident fund new policy encourages users to "turn business into public"

From 2065438 to 2005, many cities in Hebei adjusted the housing provident fund loan policies, showing that the loan amount increased from 400,000 to 600,000, and the rate of interest rate reduction was also surprising. In addition, there are preferential policies to encourage users to "transfer from enterprises to the public sector".

From 2065438 to 2005, many cities in Hebei adjusted the housing provident fund loan policies, showing that the loan amount increased from 400,000 to 600,000, and the rate of interest rate reduction was also surprising. In addition, there are preferential policies to encourage users to "transfer from enterprises to the public sector".

The specific urban policies are adjusted as follows:

Tangshan

1. Increase the loan amount.

The personal loan amount of housing provident fund is adjusted from 400,000 yuan to 600,000 yuan.

2. Relax the loan conditions

The loan application conditions have been shortened from one year of continuous full deposit of provident fund to six months. If the provident fund has been deposited in a different place and has been deposited in the current deposit place for less than 6 months, the deposit time can be calculated according to the deposit certificate issued by the original deposit place provident fund center.

3. Reduce the down payment ratio

The low down payment ratio of the first set of ordinary self-occupied houses was adjusted to 20% from the original "30% above 90 square meters and 20% below 90 square meters". If the first home loan has been settled, the down payment ratio for applying for the second home loan will be adjusted from 60% to 30%.

4. Expand the scope of use

On the basis of the original, four types of loans have been added, including loans from different places in the province, decoration loans, business-to-business loans, and loans for parents to buy houses for their children, as well as extraction of renting houses, multiple extraction of the first set of loans below 90 square meters, extraction of down payment of housing loans, extraction of principal and interest of renovation loans for repayment of housing provident fund, extraction of principal and interest of repayment of provident fund loans in other cities in the province, extraction of purchase of houses by unmarried children of parents, extraction of paying property fees and extraction of minimum living allowance.

Baoding

1. Increase the loan amount.

The personal loan amount of housing provident fund is adjusted from 400,000 yuan to 600,000 yuan.

2. Reduce the down payment ratio

The low down payment ratio of the first set of ordinary self-occupied houses was adjusted to 20% from the original "30% above 90 square meters and 20% below 90 square meters". If the first home loan has been settled, the down payment ratio for applying for the second home loan will be adjusted from 60% to 30%.

3. Relax the withdrawal of housing provident fund.

Workers without housing can provide them with relevant information such as housing lease contracts; Buying a house in full can be extracted by the purchase contract, proof of full payment and other relevant information; If you buy a house with a provident fund loan, you can extract it with the loan purchase contract and other relevant information after the loan is completed. Deposited employees can withdraw the housing provident fund to pay a set of ordinary self-occupied housing property fees in the previous year, and withdraw it once a year.

4. The loan interest rate has been reduced.

The interest rate of housing provident fund loans for more than five years was lowered by 0.25 percentage points, from 4.25% to 4.0%, and the interest rate of individual housing provident fund loans for less than five years (including five years) was lowered by 0.25 percentage points, from 3.75% to 3.5%.

Qinhuangdao

In addition to several policy adjustments in other cities, the first ordinary first-hand self-occupied housing was purchased by the purchaser's provident fund, and the down payment ratio was as low as 20%. The high amount of housing provident fund loans was adjusted from 400,000 yuan to 600,000 yuan. The highlight of Qinhuangdao is that the housing provident fund has been continuously deposited in Beijing, Tianjin and Hebei for more than 6 months (inclusive). Buying self-occupied ordinary commercial housing in Qinhuangdao and applying for off-site provident fund loans are not subject to household registration restrictions.

Tangshan, Hebei: The minimum down payment ratio of the second-home housing provident fund loan is not less than 20%.

On June 6th, the Housing Provident Fund Management Center of Tangshan City, Hebei Province issued the policy of further optimizing and adjusting the housing provident fund withdrawal and loan.

/kloc-From June 0/5, when employees purchase the first and second self-occupied houses, the minimum down payment ratio of housing provident fund loans will be adjusted from not less than 30% to not less than 20%.

At the same time, two-child and three-child families are encouraged to use housing provident fund loans to buy houses. When a two-child or three-child family that meets the Tangshan housing provident fund loan policy applies for a housing provident fund loan in Tangshan, the restriction that the loan amount is linked to the deposit balance is cancelled. On the premise of meeting the repayment ability requirements, the maximum loan amount for two-child families can be increased by 654.38+10,000 yuan, and the maximum loan amount for three-child families can be increased by 200,000 yuan.

In March, Tangshan issued a document to adjust the provident fund loan policy. The maximum amount of the city's provident fund loan will be raised to 800,000 yuan, and new passive ultra-low-energy residential buildings with two-star and above green building standards will be purchased. The loan amount rose to 960,000 yuan, and the maximum loan amount for Phoenix talents was 6,543,800 yuan. The loan amount for introducing high-end innovative talents to caofeidian area in FTZ is 6,543,800 yuan+0.2 million yuan. The down payment ratio of the second suite of the city's provident fund loans fell to 30%.

In terms of commercial loans, in order to support the rigid and improved demand for house purchase, Tangshan has adjusted the policy of commercial loans for house purchase. The city's first home loan interest rate fell to 4.25%, and the second home loan interest rate fell to 5.05%, reducing the pressure on residents to purchase houses and repay loans. Lunan district, lubei district and Hi-tech Zone have been reduced to the same level as other counties (cities, districts), with the down payment ratio of 20% for the first suite and 30% for the second suite. For families who buy the third and above houses in this city, the number of houses purchased without loans will no longer be considered. I have already borrowed two houses, and the third house purchase loan is not issued.

The new policy also proposes that employees should withdraw the provident fund in full when buying a house, from one-time withdrawal to multiple withdrawals; After the loan is settled, it can still be withdrawn once a year.

Specifically, in terms of the withdrawal of full house purchase, after June 1 2022, if employees and their spouses purchase the first set of self-occupied housing or the second set of improved housing in full within the administrative area of Tangshan, they can withdraw the balance of their own and their spouses' housing provident fund accounts once a year, and the total amount of withdrawal by both husband and wife shall not exceed the actual housing purchase expenditure.

In terms of commercial loan repayment, after June 1 2022, if employees and their spouses use commercial loans to purchase the first set of self-occupied housing or the second set of improved housing in the administrative area of Tangshan, they can withdraw the storage balance in the employee's or spouse's housing provident fund account according to the annual repayment amount. After the loan is settled, the storage balance can still be withdrawn annually, and the total withdrawal amount does not exceed the actual purchase expenditure.

Before the commercial loan is settled, the repayment amount of the previous year can be withdrawn every year. After the commercial loan is settled, the deposit amount of the previous year can be withdrawn every year.

With regard to the withdrawal of housing provident fund loans, the monthly withdrawal conditions are as follows: after June 1 2022, if employees and their spouses use housing provident fund loans to purchase the first set of self-occupied housing or the second set of improved housing in the administrative area of Tangshan, they can apply for the loan repayment business, and the monthly repayment amount will be automatically deducted from the balance stored in the employee's or spouse's housing provident fund account. After the loan is settled, the storage balance can still be withdrawn annually, and the total withdrawal amount does not exceed the actual purchase expenditure.

Conditions for annual repayment: if the loan repayment business has not been offset, the repayment amount of the previous year can be withdrawn from the balance stored in the employee or spouse's housing provident fund account on an annual basis. After the loan is settled, the storage balance can still be withdrawn annually, and the total withdrawal amount does not exceed the actual purchase expenditure.

In addition, the restriction on the term of portfolio loans was cancelled. Cancel the stipulation that the term of housing provident fund loan is consistent with that of commercial loan in portfolio loan. When employees apply for portfolio loans, the maturity date of housing provident fund loans shall not exceed 5 years after the borrower's statutory retirement time, and the term of commercial loans shall be implemented in accordance with the provisions of commercial bank loans.

Cangzhou, Hebei Province: Increase the loan amount of housing provident fund for families with many children

On August 1, this newspaper learned from the Housing Provident Fund Management Center of Cangzhou City, Hebei Province that the Housing Provident Fund Management Committee of Cangzhou City issued the Notice on Increasing the Loan Amount of Housing Provident Fund for Families with Many Children (hereinafter referred to as the Notice).

In order to give full play to the role of the housing provident fund system, support the rigid and reasonable housing needs of families with two children and three children, and alleviate the financial pressure on families with many children to buy houses, Cangzhou City issued preferential policies to increase the amount of housing provident fund loans for families with many children. Among them, the maximum loan amount for two-child families increased by 654.38+10,000 yuan, and the maximum loan amount for three-child families increased by 200,000 yuan.

The New Deal stipulates that families with many children who meet the housing provident fund loan policy of Cangzhou City are not restricted by the deposit balance and the deposit time coefficient when applying for housing provident fund loans in Cangzhou City. In the case of not exceeding the repayment ability of the family, the maximum loan amount of the two-child family will rise by 654.38+10,000 yuan, that is, if the housing provident fund is paid unilaterally, the maximum loan amount will increase to 700,000 yuan; If both husband and wife pay the housing provident fund normally, the maximum loan amount will be raised to 900,000 yuan.

The maximum loan amount for a three-child family will rise by 200,000 yuan, that is, if the housing provident fund is paid unilaterally, the maximum loan amount will be raised to 800,000 yuan; If both husband and wife pay the housing provident fund normally, the maximum loan amount will be increased to 6,543,800 yuan.

The New Deal pointed out that when employees who meet the preferential policies apply for housing provident fund loans, they must provide not only the documents required by the Measures for the Administration of Housing Provident Fund Loans in Cangzhou City, but also the household registration book or the birth certificate of their children or the relevant certificates issued by the competent authorities.

In addition, on May 25th this year, Cangzhou Housing Provident Fund Management Committee issued the Notice on Adjusting Housing Provident Fund Policy to increase the maximum amount of housing provident fund loans. For families who unilaterally pay the housing provident fund, the maximum loan amount will be raised from 400,000 yuan to 600,000 yuan; For families where both husband and wife normally pay the housing provident fund, the maximum loan amount will be raised from 600,000 yuan to 800,000 yuan.

The notice mentioned that the minimum down payment ratio of housing provident fund loans should be reduced. For the first time to apply for a housing provident fund loan to buy a house, the minimum down payment ratio will be reduced from 30% to 20%; The second application for housing provident fund loans to buy housing, the minimum down payment ratio decreased from 60% to 30%.

At the same time, increase the minimum amount of housing provident fund loans. Units that establish a housing provident fund system, whose paid employees use housing provident fund loans to purchase houses, and families who unilaterally pay housing provident fund under the conditions of repayment ability, the amount of secured loans will be increased from 200,000 yuan to 300,000 yuan; For families where both husband and wife normally pay the housing provident fund, the guaranteed loan amount will be increased from 300,000 yuan to 400,000 yuan.

Cangzhou, Hebei Province: The maximum loan for provident fund loans is 800,000 yuan.

On June 1 day, this newspaper learned from the Housing Provident Fund Management Center of Cangzhou City, Hebei Province that the Housing Provident Fund Management Committee of Cangzhou City recently issued the Notice on Adjusting the Housing Provident Fund Policy.

According to the New Deal, the maximum loan amount for families who unilaterally pay the housing provident fund will be raised from 400,000 yuan to 600,000 yuan; For families where both husband and wife normally pay the housing provident fund, the maximum loan amount will be raised from 600,000 yuan to 800,000 yuan.

At the same time, reduce the minimum down payment ratio of housing provident fund loans. For the first time to apply for a housing provident fund loan to buy a house, the minimum down payment ratio will be reduced from 30% to 20%; The second application for housing provident fund loans to buy housing, the minimum down payment ratio decreased from 60% to 30%.

In addition, the New Deal increased the guarantee amount of housing provident fund loans. Units that establish a housing provident fund system, whose paid employees use housing provident fund loans to purchase houses, and families who unilaterally pay housing provident fund under the conditions of repayment ability, the amount of secured loans will be increased from 200,000 yuan to 300,000 yuan; For families where both husband and wife normally pay the housing provident fund, the guaranteed loan amount will be increased from 300,000 yuan to 400,000 yuan.

The New Deal also increased the calculation coefficient of repayment ability. When employees apply for housing provident fund loans, the upper limit of the proportion of monthly repayment to income will be raised from 50% to 60%.

The Notice also mentioned that if unmarried children buy the first set of housing and affordable housing, their parents can withdraw housing provident fund from their accounts to support their children to buy houses.

In terms of increasing support for the purchase of green buildings, the use of housing provident fund loans to purchase self-occupied housing with ultra-low energy consumption buildings higher than the lowest grade green buildings can increase the loan amount by 20% on the basis of the loanable amount, with the maximum loan amount not exceeding 960,000 yuan.

Hengshui, Hebei: The maximum loan for housing accumulation fund is 800,000 yuan, which was implemented on August 1.

On July 27th, this newspaper learned from the Housing Provident Fund Management Center of Hengshui City, Hebei Province that Hengshui City issued the Notice on Adjusting Some Housing Provident Fund Policies (hereinafter referred to as the Notice), and since August 1 day, Hengshui will increase the amount of housing provident fund loans.

According to the notice, Hengshui will increase the maximum loan amount of housing provident fund. The maximum loan amount for one spouse to pay the housing provident fund is raised from 400,000 yuan to 500,000 yuan; The maximum loan amount for both husband and wife to pay housing provident fund will be raised from 600,000 yuan to 700,000 yuan.

When Hengshui City talents buy the first set of self-occupied housing, the maximum loan amount will rise by 65,438+10,000 yuan on the basis of the maximum loan amount in Hengshui City, and the maximum loan amount for one spouse to pay the housing provident fund will increase to 600,000 yuan; The maximum loan amount for both husband and wife to pay housing provident fund will be raised to 800,000 yuan.

In addition, families with two or three children who meet the loan policy of Hengshui City will increase the maximum loan amount by 654.38+million yuan, and the maximum loan amount for one spouse to pay the housing provident fund will increase to 600,000 yuan; The maximum loan amount for both husband and wife to pay housing provident fund will be raised to 800,000 yuan.

In terms of housing purchase withdrawal, the Notice mentioned that during the period from August 1 day, 2022 to July 3 1 day, 2023, if employees and their spouses purchase the first home and improved housing in full within the administrative area of Hengshui City, they can withdraw the balance of their own and their spouses' housing provident fund accounts once a year, and the total withdrawal amount of both spouses shall not exceed the actual housing purchase expenditure. According to the regulations, this policy does not apply to employees who have purchased houses twice or more (including repaying the principal and interest of the house purchase loan). After the employee withdraws, if the purchased house is traded again, the policy will be stopped.

In terms of rent withdrawal, the notice shows that if the paid employees and their spouses have no own houses in the paid cities and rent commercial houses, the maximum amount of monthly withdrawal of housing provident fund to pay rent will be raised from 800 yuan in Hengshui City and 600 yuan in other counties and cities to 900 yuan in the whole city.

This is the end of the new policy of provident fund loan in Hebei Province and the policy of housing provident fund loan in Hebei Province. I wonder if you found the information you need from it?