Read the new fund of the provident fund.
Editor’s note: This article is from Zhongxin Jingwei, author Dong Xiangyi.
Recently, after the announcement of the new regulations on the central bank’s mortgage interest rate, the public’s doubts about the interest rate adjustment of the housing provident fund loan have been raised. The official has made it clear that the personal housing loan interest rate of the provident fund will not be adjusted for the time being, and the employees can rest assured. It is worth noting that in the context of the central government’s positioning of “staying and not speculating” and establishing a system of simultaneous rent and purchase, the new provident fund policy has undergone new adjustments.
According to the incomplete statistics of the reporter, since the second half of 2019, more than 10 places in Hainan, Jiangsu, Guangxi, Guangzhou, Xiamen, Changsha, Chengdu, Deyang, Neijiang, Yinchuan, Zhuzhou and Liuzhou have issued a new fund for the accumulation of funds. Business, loan term or quota, non-local purchase of housing, strict fraud and other aspects of the standard improvement.
Extract new rules
Additional elevators in Yinchuan and other places can apply for extraction
The housing provident fund is a long-term housing deposit paid by employees. When purchasing, constructing, rebuilding or overhauling self-occupied housing, employees can apply for housing provident fund loans from the housing provident fund management center.
But many people think that only when they buy a house, rent a house, or decorate, they can withdraw the provident fund. In fact, this is not the case. At present, the newly added “additional elevator” is the case of the withdrawal of the provident fund, which can alleviate the owner’s financial pressure.
A few days ago, Yinchuan’s policy on “the cost of adding a housing provident fund to pay for the addition of an elevator” has been officially put into effect. The policy is clear, and the employee and spouse can only install the elevator invoice within three years. Once extracted, the total amount of withdrawal shall not exceed the total amount of expenses that should be allocated for the installation of the elevator.
Since 1st, Chengdu “Management Measures for the Extraction of Housing Provident Funds” was officially implemented, and the newly added elevators to provide provident fund for existing houses were added. In terms of application conditions, according to the relevant person in charge of the Chengdu Provident Fund Center, the employees contributed to the existing houses owned by the city in the city, and the employees and their spouses did not apply for other housing consumption extraction services in the year of applying for the business. You can apply for it. The time for applying for business is two years after the completion of the acceptance of the elevator.
Zhuzhou also proposed that if there is an elevator installed in the existing house, you can apply for the housing accumulation fund. In addition, in order to solve the problems of installing additional elevators involving many departments and difficulties in raising funds, for each elevator that meets the requirements, the urban two-level finance will be given a subsidy of 50,000 yuan, totaling 100,000 yuan.
It should be noted that due to the application of elevators in different areasThe conditions and procedures for withdrawing the provident fund are different, and it is necessary to follow the specific regulations of the local provident fund management department.
Chengdu limit monthly withdrawal limit
Chengdu is clear that the new housing policy will be implemented for renting housing in the administrative area of Chengdu, and the monthly quota will be increased for the first time.
Specifically, in the case of employees providing housing permit documents, the rental housing is located in Chengdu High-tech Zone, Jinjiang District, Qingyang District, Jinniu District, Wuhou District, Chenghua District, and the monthly withdrawal amount of employees is not more than 1340. The total amount of withdrawals per year and yuan shall not exceed 16,000 yuan; the total amount of withdrawals of employees and their spouses shall not exceed 2,680 yuan per month, and the accumulated withdrawal amount shall not exceed 32,000 yuan per year.
Xiamen restricts the conditions for the purchase of foreign houses
The Xiamen Provident Fund New Deal has increased the restrictions on the conditions for the purchase of foreign houses. The employee withdraws the provident fund for the purchase, construction, renovation, overhaul of the self-occupied housing or repayment of the principal and interest of the self-occupied housing loan. The location of the self-occupied housing shall be the residence or work place of the person or spouse.
After the employee and the unit terminate the labor relationship and leave Xiamen, the CPF account needs to be “storage” for half a year before it can be withdrawn or transferred from another place. If an employee goes to work in a different place, opens a CPF account and has paid a stable deposit for more than half a year, he/she shall transfer the transfer to another place; if the non-Xiamen household registration employee has not paid the deposit in another place, it may be withdrawn after half a year of storage.
Liuzhou suspends the purchase of a different place
The Liuzhou City Housing Provident Fund Management Center of Guangxi Province recently issued a notice to adjust the policy for the purchase of foreign houses. From September 6th, the purchase of houses in non-Liuzhou City and non-self and spouse household registration will be suspended. Extract the housing provident fund application.
It is reported that Liuzhou’s policy adjustment is based on the Notice of the Ministry of Housing and Urban-Rural Development, the Ministry of Finance, the People’s Bank of China, and the Ministry of Public Security on the Work of Extracting Housing Provident Funds for Governance Violations, and insisting that “the house is used for living, not for “Fried”, the focus is on extracting the housing provident fund to purchase the first set of ordinary housing and the second set of improved housing in the deposit or household registration, to prevent the extraction of housing provident fund for speculation in real estate speculation.
Jiangsu’s remote transfer to APP can be handled
On September 1st, Jiangsu Province’s direct housing provident fund can be transferred to the Jiangsu Government Affairs Service App for application. The employee can use the finger to move the account and the money to go with the account. It is reported that all employees who have set up a housing provident fund account in the provincial capital fund management center of Jiangsu Province and have been in the normal deposit for half a year can transfer the housing provident fund deposited at the original workplace to the current deposit account.
Data Map: Urban Building Group New Jingwei Wei Dong Xiangyi Photo
New Loan Rules
Guangzhou adjust loan terms
Since August 31, the Notice of the Guangzhou Housing Provident Fund Management Center on the Relevant Issues Concerning the Adjustment of Loan Business Process was officially implemented, and the first-hand existing housing application for housing provident fund loans was purchased. The loan period must not exceed 30 years, the loan term and the age of the building. The sum must not exceed 40 years.
It is understood that “first-hand existing housing” refers to existing housing projects that developers have not sold in time due to subjective or objective reasons. Similar projects have been identified as the concept of quasi-second-hand housing, so the loan policy is different from the traditional one-hand housing. In the past, such housing in Guangzhou could only be loaned for 20 years, and now the loan period can be 30 years.
In this regard, Yan Yuejin, research director of the Yiju Research Center think tank, said in an interview that the Guangzhou Provident Fund New Deal reflects the new trend of the current provident fund loan policy, and is also a reflection of the convenience and pragmatic spirit, especially for the first-hand house. “A more lenient policy has been adopted to help the CPF loans of related projects.”
“Under similar policies, the demolition effect of related housing will be better, which will help developers to revitalize existing housing projects, and also enable some buyers to obtain sufficient loans to reduce the pressure on home purchases.” Yan Yuejin said.
Hainan adjustment of second-hand housing provident fund loan requirements
Hainan recently announced that since September 1st, the handling requirements for the purchase of second-hand housing applications for housing provident fund loans have been adjusted from “the collateral assessment report or quick assessment form issued by the evaluation agency with real estate evaluation qualification”. A real estate appraisal report issued by a qualified real estate appraisal agency with a security cover of the Provincial Real Estate Appraisal and Brokerage Association and a two-dimensional code query method.
Why adjust? It is reported that the number of employees who purchase second-hand housing for housing provident fund loans in Hainan has increased year by year. The evaluation results of some housing assessment reports or quick assessment forms are not objective and unreasonable. Individual unqualified institutions issue assessment reports or quick assessment forms to falsify. Therefore, Hainan further regulates the requirements for the purchase of second-hand housing applications for housing provident fund loans, the purpose is to resolve the risk of loan funds and protect the rights and interests of employees.
Xiamen implements differentiated credit policy
The Xiamen Provident Fund New Deal proposed that it is eligible for commercial personal housing loans in the region. There are no unsettled housing provident fund loans. Workers and families with no or two housing provident fund loan records can apply for housing provident fund loans. The proportion of down payment for provident fund loans is based on the proportion of the first payment of personal housing loans of commercial banks in the same period.
Data Map: Housing and Construction Department. Zhongxin Jingwei Dong Xiangyi Photo
Strictly swindle and make new moves
On May 11, 2018, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance, the People’s Bank of China, and the Ministry of Public Security jointly issued a document to carry out the work of illegally collecting housing provident fund. The official pointed out that some institutions and individuals illegally extracted the provident fund by means of forged certification materials, fictional housing consumption behaviors, etc., and some even formed a “black industrial chain” to defraud the housing provident fund.
The reporter noticed that in the second half of 2019, Guangxi, Changsha, Xiamen, Neijiang, Deyang and other places took measures to crack down on illegal housing withdrawals, and the region’s long-term, malicious refusal to repay the loan. “, make sure that “the house does not live”.
Guangxi proposed that the illegal activities and individuals who defrauded the housing provident fund should establish a cross-border investigation mechanism to prevent illegal collection of housing provident fund as soon as possible; the same person repeatedly changed the marriage relationship to buy houses, and many people frequently bought and sold the same set of houses, off-site If you purchase a house, especially a non-resident place to purchase a house, a non-spouse or a non-intimate relative to purchase a house, etc., you must strictly review the authenticity of the housing consumption behavior and the certification materials to prevent speculation in real estate speculation.
Changsha clearly stated that once it is found that the suspected fraudulent act is fraudulent, it may suspend the applicant’s withdrawal or loan business and decide whether to file the case according to the actual situation. If the fraud is illegal, the illegal behavior record is included, and the applicant’s application for housing provident fund withdrawal, loan, transfer and off-site loan issuance certificate is suspended within 5 years; the applicant’s defrauding behavior is reported to the applicant. Work unit and the People’s Bank of China Credit Information Center.
Xiamen stipulates that employees who fail to collect housing provident fund will record their untrustworthy records and transfer them along with their personal accounts; if they have illegally withdrawn funds, they will be ordered to return them in full within the time limit and limit them within a certain period of time. Its housing provident fund extraction and loans. Those who fail to return within the time limit are listed as serious acts of dishonesty, submit information of loss of trust to relevant administrative departments, and implement joint punishment.
At least two cities in Sichuan have introduced new regulations and severely defrauded them to take out the provident fund. JulyOn the 1st, the Neijiang City Provident Fund New Deal was implemented. The applicant (including his spouse) used the CPF loan once and settled, but the credit report showed that there was a set of commercial housing loans being repaid, or 2 or more were being repaid. Commercial housing loans, or two or more provident fund loans, may not apply for a provident fund loan. Deyang City proposed to strive for a three-month centralized rectification to completely correct the problems of various types of damages in the housing provident fund.
There are also areas where the long-term, malicious refusal to repay the loan “Lao Lai” shot. Tonghua City, Jilin Province issued a discretionary punishment method for the accumulation of credit. If the depositing unit has a dishonest behavior, the legal representative of the unit will be included in the blacklist of the untrustworthy act; if the employee commits fraudulent acts, the account will be frozen for three years and fraudulent behavior will occur. The right to lose the loan within 5 years.