20 19 the down payment ratio of the first suite in Putian and the loan interest rate of the first suite identification policy.

According to the Opinions of Fujian Provincial Department of Housing and Urban-Rural Development, Department of Finance and Financial Work Office on Stabilizing Housing Consumption to Support Rigid Housing Demand and other related documents, Putian City began to partially adjust the housing provident fund policy from April 3 in light of the actual situation.

The specific adjustments are as follows:

Employees who apply for and repay provident fund loans will no longer retain the amount of provident fund deposits for nearly 6 months; Employees who have never used the provident fund to purchase commercial housing below 144 square meters (inclusive) can withdraw the balance of the housing provident fund to pay the down payment; Employees apply for provident fund loans for the first time, and the down payment ratio is reduced to 20%; The first and second use of provident fund loans to implement the benchmark interest rate; When employees apply for provident fund loans, they will no longer inquire about the real estate situation of themselves, their spouses and minor children; The personal loan rate of housing provident fund in this city exceeds 95%, and the municipal finance should support it.

Workers who have paid the housing provident fund in full for three months in a row, if their spouses and I have no own housing and rent their own housing within the jurisdiction of this Municipality, can apply for withdrawing the balance of the housing provident fund of both husband and wife to pay the rent, which can be withdrawn once a year, and the withdrawal amount will be transferred to the personal bank account of the extractor. Relevant certificates are required when applying. If you rent a public rental house, you need to provide a housing lease contract, a certificate of rent payment issued by the housing security center, an ID card, and a certificate of marital status. The amount withdrawn by both husband and wife shall not exceed the rent of the previous year.

If you rent a commercial house, you need to provide proof that you and your spouse have no real estate, proof of house lease registration, ID card and proof of marital status issued by urban (including Chengxiang, Licheng, Hanjiang and Xiuyu) and county housing registration agencies. The amount withdrawn by both husband and wife is twice the per capita housing construction area of the whole city in the previous year and the rent standard of public rental housing in the county (district) where you rent the house (refer to Pudong market price [2008])

For paid employees who meet the standards of low-income families in our city, my spouse and I can apply to withdraw the balance of housing provident fund to pay the property service fee for the affordable housing they rent or a house under their name, which can be withdrawn once a year, and the withdrawal amount can be transferred to the personal bank account of the extractor. At the time of application, you need to submit the identification certificate of urban low-income families (issued by the civil affairs departments of cities and counties), the house ownership certificate, the certificate of affordable housing or the certificate of payment of property service fees issued by the housing security center, the ID card and the certificate of marital status. The total withdrawal of myself and my spouse shall not exceed the rent or property service fees actually paid in the previous year.

For the paid employees who add elevators to the existing houses in this city, my spouse and I can apply for withdrawing the balance of housing provident fund to pay the cost of adding elevators, and the withdrawal amount will be transferred to the personal bank account of the extractor. When applying, it is required to submit the letter of opinion issued by the planning department on adding elevators, the construction contract signed by the construction unit, the project budget and final accounts, the detailed list of actual family investment, the payment voucher, the house ownership certificate, the ID card and the proof of marital status. The withdrawal time is within one year from the payment date, and the applicant has not handled the house purchase, loan repayment withdrawal or entrusted "annual repayment" business in recent 12 months, and the total withdrawal amount of himself and his spouse shall not exceed.

In this policy adjustment, the use of forged contracts, issuing false certificates, fabricating false leases and other fraudulent acts by deposit practitioners has also been restricted. In case of the above acts, the Municipal Housing Provident Fund Management Center will disclose relevant information to the public and incorporate it into personal credit information according to relevant laws and regulations, and the employee shall not withdraw housing provident fund and personal housing provident fund loans within 3 years.