Provident fund loans in different places have always been a hot topic. Recently, the Ministry of Housing and Urban-Rural Development issued the "Notice on Operational Issues Related to Personal Housing Loan of Housing Provident Fund in Different Places", which clarified the process of housing provident fund loan in different places. As early as June 5438+ 10 last year, the Ministry of Housing and Urban-Rural Development and other three ministries and commissions issued the Notice on Developing Personal Housing Loan Business of Housing Provident Fund, demanding to promote the loan business in different places.
Experts in the industry believe that the successive promulgation of these two documents is expected to make off-site provident fund loans more convenient and operable. In particular, the enthusiasm of migrant workers returning home to buy a house may be mobilized. Ding Jiangang, dean of Zhejiang Media Real Estate Research Institute, believes that some people who work in developed cities will eventually return to their hometowns to buy houses. If mutual recognition of provident fund loans in different places can be realized, it will help them buy a house as soon as possible.
In fact, many cities in China have introduced policies to promote mutual recognition of loans in different places. In February this year, the mayors of Wuhan, Changsha, Nanchang and Hefei signed a document stipulating that the four cities should implement mutual recognition and transfer of housing accumulation funds in different places. In addition, Hunan, Hubei, Gansu and Shandong have indicated that they will implement inter-provincial loans.
However, some insiders believe that mutual recognition of housing provident fund loans in different places still faces some difficulties. The person in charge of the Nanjing Housing Provident Fund Management Center believes that the long-term closed operation of the provident fund, cross-regional information communication and coordination is a big problem, and it is difficult for the loan place to grasp the loan amount and duration, and it is difficult for the deposit place to grasp the housing dynamics. In addition, the amount of provident fund loans in some cities is tight at present. If the property market where the loan is located happens to have a large transaction volume, the demand for local provident fund loans will be difficult to meet, and the demand for loans in different places will be even more difficult to meet.
Gansu relaxed the conditions of provident fund loans and increased the amount of housing loans by 40%.
Xinhuanet Lanzhou September 10 (Reporter Tu Guoxi) The reporter learned from the Gansu Provincial Department of Housing and Urban-Rural Development that since the second quarter of this year, many places in Gansu Province have relaxed the conditions for housing provident fund withdrawal and loans. Thanks to this policy, the number of people buying houses through provident fund loans in Gansu Province has increased by 40%.
It is understood that since the third quarter of this year, Gansu Province has launched a number of "new policies" for housing provident fund, including increasing the loan amount, extending the loan term, reducing the down payment ratio, reducing intermediate fees, relaxing the withdrawal conditions, developing off-site loans and "business-to-business" business.
Among them, some cities and states in Gansu Province have also introduced policies suitable for local needs. For example, Lanzhou, Qingyang and other cities launched the second-home loan to implement the benchmark interest rate policy for housing provident fund loans, while seven cities such as Zhangye, Wuwei and Dingxi implemented the policy of mutual loans for immediate family members of employees, and eight cities and states such as Jiuquan, Linxia and Longnan relaxed the policy of mutual loans for immediate family members of employees. At the same time, some places in Gansu Province have also tried to simplify the procedures for handling provident fund loans, and the cycle for handling provident fund loans has also been shortened.
The "New Deal" of housing accumulation fund in Gansu Province has effectively stimulated housing consumption in various places. Statistics show that in the first seven months of this year, the personal housing loan amount of housing accumulation fund in Gansu Province increased by 38.38% and 42.76% respectively compared with the same period of last year.
In addition, in the first seven months of this year, the sales area of commercial housing in Gansu Province was 643. 1 1 10,000 square meters, an increase of 8.64% year-on-year.
Author: Tu Guoxi
Beijing relaxes the monthly limit of drawing provident fund for renting houses 1.500 yuan.
On the evening of June 26, Beijing Housing Provident Fund Management Center issued a notice to relax the conditions for renting a house to withdraw the provident fund. Employees and their spouses do not own houses in Beijing. If you rent a commercial house, you can withdraw the housing accumulation fund to pay the rent only by providing proof of no real estate, and the monthly withdrawal amount per person shall not exceed 1500 yuan.
You can withdraw the provident fund with the proof of no room.
Employees and their spouses who do not own their own houses and rent houses in the administrative area of Beijing can withdraw the housing accumulation fund of both husband and wife to pay the rent. Among them, employees who rent public rental housing can be fully extracted according to the actual rental expenditure. If you rent a commercial house, you can only provide it without real estate license, and each person can withdraw no more than 1500 yuan per month.
Compared with the past, this greatly reduces the difficulty of drawing provident fund to pay rent. Previously, renters needed to provide lease contracts and invoices because they applied for withdrawal of provident fund. However, because invoicing involves paying 5% of the rent, the landlord has to pay 150 yuan for a monthly rent of 3,000 yuan, so most landlords are unwilling to cooperate with the tax payment. Many renters can only give up applying for provident fund or spend money to find an intermediary to open a rental invoice.
The process of drawing provident fund by contract and invoice remains unchanged.
For employees who have paid the provident fund to rent commercial housing, the Notice also proposes that if the renter provides the rental contract and the actual rental expenditure invoice in addition to the housing certificate, it can still be handled according to the current process after verification.
According to the current regulations, the applicant can withdraw the housing provident fund within 3 months before the application date in one lump sum, and the monthly withdrawal amount shall not exceed the amount paid by himself or the actual monthly rental expenditure.
Withdrawal of funds shall be paid quarterly.
Regarding the issuance of applications for withdrawal of housing provident fund, it is clear in the Notice that employees can apply for withdrawal of housing provident fund to pay rent once a year, and the withdrawal funds will be transferred to their bank accounts every quarter. If the withdrawal lasts for one year, employees need to reapply for withdrawal.
"The monthly withdrawal limit 1500 yuan is based on the market rent level and rental housing area in this city, in order to meet the basic housing needs of the employees. At present, this withdrawal limit is among the best in the country. " The person in charge explained to the reporter that because 1500 yuan is the limit for one person, if both husband and wife are employees who have paid the provident fund, the monthly withdrawal limit for a family will reach 3,000 yuan. According to a quarterly calculation, the total withdrawal amount can reach 9000 yuan.
How to apply for a certificate of no room
You can apply for provident fund withdrawal with proof of no room. So, how can I open it without a room card?
According to the relevant person in charge of the Beijing Housing Provident Fund Management Center, in order to facilitate the majority of paid employees to the greatest extent, the management center has communicated with the Municipal Housing Construction Committee to realize online real-time inquiry of employee housing information. When employees apply for withdrawal, they only need to fill in the commitment letter and power of attorney for withdrawing housing provident fund to pay rent, and authorize the provident fund management center to inquire about their housing information. If the online query result is really no room, you can handle the extraction business at that time.
"Compared with other provinces and cities, this move in Beijing has shortened the examination and approval time, improved the handling efficiency, and completed the inquiry and certification of no room when handling the extraction, eliminating the pain of employees running around many times."
Renting a house to withdraw the provident fund does not affect the loan.
Some people are also worried that the threshold for renting a house to withdraw provident fund will be lowered, and will it affect the application for provident fund loans in the future?
In this regard, the reporter learned from the Beijing Housing Provident Fund Management Center that the identification of the second suite by the Beijing Provident Fund loan is that there is no housing record, no loan record and no purchase record to withdraw the provident fund. Renting a house to withdraw the provident fund is not within the above scope.
In case it is recognized as a second suite because of renting, the provident fund applicant can apply for a loan as long as he brings the work certificate, rental certificate and other documents to the management department of the unit for the provident fund deposit business to issue the documents extracted for renting.
Illegal withdrawals are not allowed to apply for loans within three years.
Relaxing rental conditions does not mean relaxing supervision. The person in charge of the provident fund center said that once the illegal withdrawal of the provident fund is found, the ongoing withdrawal of the provident fund will be terminated immediately.
For illegal employees who use false materials to collect provident fund, the provident fund management department will inform their units, and the personal information of illegal employees will also be recorded in the "personal bad information database" of the management center, and at the same time recorded in the relevant credit information system of Beijing. At the same time, within 3 years from the date of violation, the provident fund center will not handle the withdrawal of housing provident fund, nor will it accept its application for provident fund loans.
In addition, if the unit assists employees to collect housing provident fund, the violation will also be recorded in the "Bad Information Database of Deposited Units" of the management center, and at the same time recorded in the relevant credit information system of Beijing.
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