How much can Rizhao CPF take after paying 5,500
The amount of CPF loan in Rizhao is calculated based on a combination of the employee's monthly contribution, the number of years of loanable years, and the balance in the account where the CPF loan is applied for. The loan amount cannot be calculated directly based on the balance.
Based on the "Rizhao City Housing Provident Fund Loan Processing Guide"
V. Loan Amount, Term, Interest Rate
(a) For families purchasing a home within the Donggang District, Rizhao Economic and Technological Development Zone, and Shanhaitian Tourism Resort Area, the loan amount will be up to 500,000 yuan with a maximum term of 30 years when the borrower and his/her husband meet the loan conditions; and the loan amount will be up to 300,000 yuan with a maximum term of 30 years when one of the borrowers meets the loan conditions.
(2) For families purchasing houses within other districts and counties in the city, the maximum loan amount is 400,000 yuan with a maximum term of 30 years when both the husband and wife of the borrower fulfill the loan conditions; the maximum loan amount is 250,000 yuan with a maximum term of 25 years when one party fulfills the loan conditions.
The number of years of loan plus the age of the borrower or guarantor should not exceed the legal retirement age stipulated by the state in principle.
Specific calculation formula:
Provident fund loan amount = (borrower applicant and spouse housing provident fund monthly contribution x 12 months x the number of years of loanable life x 1.5 borrower applicant and spouse provident fund account storage balance x 15)/2
Loan interest rate in accordance with the People's Bank of China stipulated by the prevailing interest rate of the provident fund loan implementation. Among them: the interest rate of the second housing provident fund loan shall not be lower than 1.1 times of the interest rate of the first housing provident fund loan for the same period.
Loans of more than one year's duration that have already been issued will be implemented on January 1 of the following year after the interest rate of the corresponding tranche has been adjusted in the event of a statutory interest rate adjustment during the year.
How is the Rizhao Provident Fund loan amount calculated
The amount of provident fund is calculated in a comprehensive manner.
The calculation of the amount of provident fund loan is based on the ability to repay the loan, the number of house price of the provident fund loan, the balance of the housing fund account and the loan maximum limit of the four conditions to determine the minimum of the four conditions is the maximum amount of the loan borrower. Calculated as follows:
Loan amount calculated in accordance with the ability to repay the loan: (borrower's total monthly salary borrower's unit monthly contribution to the housing fund) × ability to repay coefficients - the borrower's existing loan monthly repayment total amount × loan period (months). For the use of spouse's quota, (total monthly salary of both husband and wife, monthly contribution to the Housing Provident Fund of the unit where both husband and wife work) x repayment capacity factor - total monthly repayment amount of the existing loan of both husband and wife x loan period (months). Where the ability to repay the coefficient of 40%, the total monthly salary = monthly contribution to the CPF ÷ (unit contribution ratio individual contribution ratio);
Loan amount calculated according to the price of the house: Loan amount = price of the house × loan-to-value. Where the loan-to-value ratio is determined according to the different types of housing purchased, built and repaired and the number of mortgage sets;
Loan amount calculated according to the balance of the housing provident fund account, employees applying for housing provident fund loans, the loan amount shall not be higher than the balance of the housing provident fund account when the employee applies for a loan (and also the use of spousal housing provident fund to apply for a loan for housing provident fund loans for the sum of the balances of the employee's and spouse's housing provident fund account) The loan amount calculated in accordance with the loan ceiling is 400,000 yuan for those who apply for a housing fund loan using their own housing fund and 600,000 yuan for those who apply for a housing fund loan using their spouse's housing fund at the same time. If you use your own housing fund to apply for a housing fund loan and you normally contribute to the supplementary housing fund when applying for the loan, the maximum loan amount is 500,000 yuan; if you also use your spouse's housing fund to apply for a housing fund loan and you or your spouse normally contribute to the supplementary housing fund when applying for the loan, the maximum loan amount is 700,000 yuan.
Rizhao City provident fund cargo ratio
Enterprise employee contribution ratio is 8%.
Enterprise employees' contribution ratio is 8%. Rizhao city provident fund cargo ratio is unified by Rizhao city housing provident fund management center, according to the different circumstances of the lender, the lender can apply for different proportions of provident fund loans, up to 90%.
Rizhao's provident fund refers to the housing provident fund system which is managed and operated by the Rizhao Housing Provident Fund Management Center. It is a social benefit mandated by the state to help employees solve their housing problems.
Many places follow suit! More than 30 places cut interest rates for first-suite CPF loans
Housing CPF policies around the world continue to be optimized.
Recently, Jingjiang, Jiangsu Province, put forward, from October 17, will optimize the adjustment of housing provident fund use policy from four aspects. One of them is the doubling of the loanable amount, which is currently a maximum loan amount of 1 million yuan for dual-career housing provident fund.
In addition, Guangxi Liuzhou since October 1, 2022 to reduce the first set of individual housing provident fund loan interest rate by 0.15 percentage points. At the same time, it is proposed to change the ceiling of housing provident fund loan amount from a fixed value of 400,000 yuan to a maximum of 700,000 yuan in combination with the confirmation of fund liquidity; and it is proposed to increase the ceiling of first-time housing provident fund loan amount by 100,000 yuan for the family of a borrower with two or more children (included).
Following the central bank's decision on September 30 to cut the interest rate on the first set of individual housing provident fund loans, according to incomplete statistics, there have been more than 30 places to implement the new lending rate (3.1% over 5 years), such as Henan, Hainan, Beijing, Chongqing, Anhui, Shanghai, Shenzhen, Nanjing, Hangzhou, Jinan, Chengdu, Tianjin, Wuxi and so on.
Industry insiders believe that the personal housing provident fund loan interest rate ushered in the first cut since 2015, and has been at the lowest level in history, overlaid with the opening of the downward space of mortgage rates, opened the real estate credit easing cycle.
It is worth noting that recently, the central bank released a report on financial statistics for the first three quarters of 2022, which showed that medium- and long-term loans to the household sector increased by 2.32 trillion yuan in the first three quarters. The improvement in residents' medium- and long-term loans confirms the repair of real estate sales in September.
Meanwhile, the central bank released a report on the questionnaire survey of urban depositors in the third quarter of 2022, showing that 17.1 percent of residents intend to buy a home in the next three months, a higher proportion than the 16.9 percent in the second quarter.
Jiangsu Jingjiang housing provident fund can double the loan amount
October 12, "this Jingjiang" WeChat public number said, from Taizhou City Housing Provident Fund Management Center Jingjiang Branch Center, from October 17, Jingjiang City, will optimize the adjustment of housing provident fund use policy.
It is understood that this optimization and adjustment is mainly reflected in the following four aspects:
I. Doubling the amount of loan available. Housing fund loan amount calculation formula by "housing fund monthly deposit × 12 × loan period" adjusted to "housing fund monthly deposit × 12 × loan period × 2". At present, the maximum loan amount of housing fund for two employees in Jingjiang City is 1 million yuan.
Two, second-hand housing and renovation, overhaul housing loan period extension. Second-hand housing and renovation, overhaul housing housing fund loan period from the "maximum of not more than 15 years" adjusted to the "maximum of not more than 20 years".
Three, set the loan guarantee amount. For the lower loan amount of the employee's family to set up housing provident fund loan guaranteed amount, the amount of 200,000 yuan.
Four, relax the withdrawal of housing fund loan repayment processing conditions. Commissioned by the monthly withdrawal of housing provident fund repayment of housing provident fund loans and commercial personal housing loans processing conditions, from the deposit account are "not less than 12 times the balance of the monthly deposit amount" adjusted to "not less than 6 times the balance of the monthly deposit amount", commissioned by the monthly withdrawal of repayment of the loan The amount to be retained in the deposit account during the period of commissioned monthly withdrawal for loan repayment is adjusted from "not less than 6 times the balance of the monthly deposit amount" to "not less than 3 times the balance of the monthly deposit amount"; the amount to be retained in the deposit account after withdrawing the housing provident fund for repayment of housing provident fund loans and commercial personal loans is adjusted from "not less than 12 times the balance of the monthly deposit amount" to "not less than 6 times the balance of the monthly deposit amount". "not less than 12 times the balance of monthly contributions" to "not less than 6 times the balance of monthly contributions".
Jingjiang City Housing Provident Fund Management Center said that since this year, Jingjiang City has implemented a number of new regulations to support the use of flexible employment personnel to voluntarily contribute to the use of housing provident fund, adjusting the down payment ratio of housing provident fund loans, the maximum loan amount, and actively support the rigidity and improvement of the housing demand, to further release the potential for consumption, and continue to promote the healthy development of the real estate market.
More than 30 places to reduce the first suite of provident fund loan interest rates
On October 11, Liuzhou Housing Provident Fund Management Center issued a "notice on the adjustment of the interest rate of individual housing provident fund loans," said that since October 1, 2022, the first set of individual housing provident fund loan interest rate down by 0.15 percent, that is, less than 5 years (including 5 years) individual housing provident fund loan interest rate from 2.75% to 2.6%, and the interest rate for individual housing provident fund loans of more than 5 years from 3.25% to 3.1%. In addition, individual housing provident fund loans granted before October 1, 2022 will be subject to the new individual housing provident fund loan interest rate from January 1, 2023 onwards.
On the same day, the Liuzhou Housing Provident Fund Management Center also released the Notice on Adjustment of Housing Provident Fund Individual Housing Loan Amount Ceiling, Approved Methods, Down Payment Ratio and Conditions for Disbursement of Funds (Draft for Opinion) and the Notice on Adjustment of Housing Provident Fund Individual Housing Loan Amount Ceiling for Multi-child Families (Draft for Opinion). Among other things, it is proposed to change the housing provident fund loan quota ceiling, from the original fixed value of 400,000 yuan to a combination of fund liquidity confirmation, the confirmation mechanism is: housing provident fund loan quota ceiling = fixed base quota ceiling liquidity adjustment quota ceiling. According to the exposure draft, the housing provident fund loan amount cap can be up to 700,000 yuan. The downpayment ratio for CPF loans is recognized as no less than 30% for the second use after the borrower's family has settled the first CPF loan. In addition, it is proposed to increase the housing provident fund loan amount ceiling by 100,000 yuan for the first application for a housing provident fund individual housing loan for a borrower's family that gives birth to two or more children in line with the National Fertility Policy (including).
Following the central bank's decision on Sept. 30 to cut the interest rate on the first set of individual housing provident fund loans, starting Oct. 1, a number of places have issued documents to implement the policy.
According to incomplete statistics, there have been Henan, Hainan, Beijing, Chongqing, Anhui, Wuhan, Xi'an, Shanghai, Shenzhen, Nanjing, Hangzhou, Jinan, Chengdu, Changsha, Shenyang, Shijiazhuang, Suzhou, Tianjin, Wuxi, Nanning, Kunming, Shijiazhuang, Harbin, Tianshui, Jilin, Luzhou, Xiangyang, Yichang, Jinan, Zibo, Zaozhuang, Rizhao, Weifang, Dongguan, etc., began to implement the new The lending rate, that is, the first set of personal housing provident fund loan interest rate for less than 5 years (including 5 years) and more than 5 years down to 2.6% and 3.1%, respectively, the second set of personal housing provident fund loan interest rate remains unchanged.
Banking securities research report that the personal housing provident fund loan interest rate ushered in the first cut since 2015, and has been at the lowest level in history, superimposed on the opening of the downward space of the mortgage interest rate, the opening of the real estate credit easing cycle.
The first securities research report further pointed out that since 2017, the first set of commercial loan interest rates and provident fund loan interest rates spread has always remained between 2%-2.5%, with the second half of 2021 commercial loan interest rates downward, the spread quickly shrunk to 0.9%, the follow-up provident fund loan interest rates still have room for downward adjustment.
The proportion of residents intending to buy a home in the next three months is rising
On October 11, the Central Bank released a report on financial statistics for the first three quarters of 2022, which showed that RMB loans in the first three quarters increased by 18.08 trillion yuan, or an additional 1.36 trillion yuan year-on-year. By sector, household loans increased by 3.41 trillion yuan, of which, short-term loans increased by 1.09 trillion yuan and medium- and long-term loans increased by 2.32 trillion yuan.
China Post Securities research report that residents in the medium and long term loans improved, confirming the repair of real estate sales in September. High-frequency data show that real estate sales began to rebound in the second half of September, August to the first half of September every week of the transaction area in the year-on-year negative growth of about 30%, the third week of September repair to the year-on-year positive growth of 1.4%, the fourth week of September repair to the year-on-year positive growth of 24.2%. The repair in high-frequency data corroborated with the improvement in residents' medium- and long-term lending, which could mean that real estate sales will fall at a lower rate in September than in August.
China Post Securities research report that sales are at the bottom of the grinding stage, the property market in the direction of gradual recovery, but the recovery process may be slow and full of fluctuations, the short-term property sales have stabilized signs of recent policy efforts continue to strengthen the sales repair trend is expected to consolidate.
Ding Zuyu, executive director of the Shanghai E-House Real Estate Research Institute, believes that if the mortgage mortgage-based medium- and long-term loan mortgages are able to return to the growth track in this regard, then the market may really stabilize.
It is worth noting that recently, the central bank released the third quarter of 2022 urban depositors questionnaire survey report shows that in the next three months, 17.1% of residents intend to buy a home, this proportion is higher than the 16.9% in the second quarter.
Galaxy Securities research report pointed out that at the end of September for two consecutive days, the release of three major heavy policy, phased interest rate cuts and tax cuts to boost market demand. Although the lower mortgage rate is "city-specific" level of policy, but because the central bank authorized a wide range of uniform adjustments, benefiting a wider range of cities, compared to the previous city to adjust their own policy behavior, the effect of the market boost will be more pronounced. Second-hand personal income tax is usually calculated at 1%-2% of the transaction price or 20% of the difference, the refund of the second-hand housing transaction tax reduces the cost of residents to buy a home, which is conducive to the release of improvement demand, enhance the second-hand housing market trading heat. Individual housing provident fund loan interest rates ushered in the first downward adjustment since 2015, and has been at the lowest level in history (3.1% over 5 years), overlaid with the opening of the downward space of mortgage interest rates, opened the easing cycle of real estate credit.
Proofreading: Zhao Yan
What is the specific process for the loan limit of the housing fund in Rizhao City?
Hello I am in Rizhao specializing in provident fund business, I'll talk to you specifically about it provident fund loan limit is a single 200,000, husband and wife up to 300,000 loans. Specifically need: first take over the purchase contract or real estate and deed tax receipts or down payment receipts to the local provident fund management center to consult, and then eligible need to bring ID card, household registration, marriage certificate and guarantor's ID card and other documents two pasted to your application form. After that, then go to the bank to pull the credit certificate is generally CCB, and finally there is to fill out the interview records, etc., and then wait patiently haha, hope to adopt
Rizhao 4 years proposed to introduce at least 100,000 new talent: the first time the purchase of housing up to 200,000 yuan of subsidies
May 9, surging news from the People's Government of Shandong Province, Rizhao City, the People's Government Office was informed that. Rizhao in the May 1 holiday period issued a "nine measures to support the development of young talent gathering" notice. Among them, the "security" plan mentioned, Rizhao will set up a talent housing development fund, eligible full-time doctoral students, master's degree students, undergraduate graduates, college (including junior colleges, technical colleges and universities) graduates, myself or my family for the first time to buy a new commodity housing in Rizhao, respectively, can enjoy 200,000 yuan, 100,000 yuan, 50,000 yuan, 30,000 yuan talent development fund, the first time to buy a new commodity housing. The first purchase of new commercial housing in Rizhao City, he or his family can enjoy 200,000 yuan, 100,000 yuan, 50,000 yuan, 30,000 yuan Talent Development Fund subsidies for the purchase of housing, in accordance with the "Interim Measures for the purchase of housing subsidies for young talents in Rizhao City.
Full-time doctoral and master's degree students who are employed in Rizhao City after January 1, 2022 and have normally paid the housing provident fund can apply for housing provident fund loans for the first time to buy a house in Rizhao City, and the maximum housing provident fund loan amount will be increased to 1 million yuan.
Newly employed employees who are employed in Rizhao City for the first time and have applied for employment registration after January 1, 2021 can enjoy housing subsidies of 200,000 yuan, 100,000 yuan and 100,000 yuan respectively, as per the Interim Measures for Housing Subsidies for Young Talents in Rizhao City. Full-time doctoral degree students, full-time master's degree students, full-time undergraduates, full-time specialists and the following educational levels, respectively, will be given a phased housing rental subsidy of 500, 400, 350 and 300 yuan per person per month within three years. Full-time doctoral students to Rizhao city-owned enterprises and institutions at all levels of employment and no housing, within three years can apply for rent-free talent apartments at all levels; full-time master's degree students to Rizhao city-owned enterprises and institutions employment and no housing, within three years can apply for municipal talent apartments, the rent is charged at 50% of the market price, and the rest of the 50% borne by the municipal finance, talent apartments have no vacancies, according to the housing situation Gradually arranged; young talents to the districts, counties, functional areas of employment units and no housing, according to the districts, counties, functional areas of talent apartment management regulations.
Rizhao City, said it is necessary to comprehensively promote the implementation of the "innovation city" strategy, optimize the development of young talent ecology, stimulate all types of employers to attract and gather talents with talent vitality, and strive to 2025, the introduction of more than 100,000 young talent to Rizhao innovation and entrepreneurship, for the modernization of the seaside city of the wonderful butterfly talent injection of power and development vitality. power and development vitality.
Nine measures in addition to the "security" program, also includes "growth assistance" program, "gathering talents preferred" program, "innovative In addition to the "housing protection" program, the measures also include the "growth assistance" program, the "talent gathering and selection" program, the "innovation and leadership" program, the "talent solicitation and incentive" program, the "talent recommendation" program, the "entrepreneurship empowerment" program, the "worry-free service" program and the "worry-free service" program. Worry-free Service" program and "Enjoy Rizhao" program. The measures will be implemented from the date of issuance, and the relevant supporting rules will be formulated and implemented by the leading units of each content. The funds required for the policies will be implemented according to the original channels if there are any policy provisions; if there are no provisions, they will be borne by the employers, organizers, and the same level of finance where the units are located. The relevant policies involved in the follow-up work and the spirit of the higher documents contradict the spirit of the implementation of the spirit of the higher documents; with the existing relevant policies have duplication, cross, in accordance with the principle of "from the best, from the high, not repeated" implementation.
Specifically, the "growth assistance" program: Rizhao City, postdoctoral research station, postdoctoral innovation and practice base of the new introduction of postdoctoral, during the station by the municipal finance a one-time 50,000 yuan of scientific research funds from the unit of the same level of finance to give each person 5,000 yuan per month living subsidies. Rizhao City, enterprises and institutions (excluding public institutions), provincial universities in Rizhao, in line with the requirements of Rizhao City, the old and new energy conversion "ten special" of the central and provincial enterprises in Rizhao, the introduction of new doctoral students, within three years to give each person 5,000 yuan per month living allowance. For Rizhao City enterprises, in line with the requirements of Rizhao City's new and old momentum transformation "ten special" central and provincial enterprises in Rizhao newly introduced master's degree students, undergraduates of global TOP200 (QS) universities and "double first-class" universities, undergraduates of ordinary universities, will be given a monthly allowance of 5,000 yuan per person within three years. Graduates, within three years were given 2400 yuan per person per month, 1500 yuan, 1000 yuan living allowance. Full-time college graduates who start their own businesses will be given a living allowance of 1,100 yuan per person per month for three years. All districts, counties and functional areas can, according to the actual situation, focus on the city's key industrial chain and the development needs of the leading industries in the region, and appropriately expand the scope of the subsidy and increase the subsidy standard for key industries and enterprises.
Young talent subsidies are issued to full-time college graduates who have been employed (entrepreneurship) in Rizhao City since January 1, 2022 and have paid normal social security contributions in accordance with the provisions of the career choice (within three years of graduation). The enterprises referred to in this measure shall be all kinds of enterprises, private non-enterprise units, economic and social intermediary organizations registered and taxed according to law within the administrative area of Rizhao. Subsidized funds are expended in accordance with the original channels.
"Gathering talents" plan: Rizhao City, around the leading industries, social development needs to prepare a directory of urgently needed and scarce talent. The inclusion of urgently needed and scarce talent catalog demand for young talent, according to job requirements, may be appropriate to relax the conditions. Institutions, state-owned enterprises to introduce doctoral students, senior professionals and technicians, as well as highly skilled, urgently needed and scarce professionals can be taken directly to interview interviews, professional tests, inspections and other means of public recruitment. The implementation of institutions, state-owned enterprises, "young talent preferred action", to attract a number of strong academic level, high overall quality of outstanding college graduates. Regularly organize key employers each year, go to key universities at home and abroad to carry out recruitment activities, from institutions, state-owned enterprises to screen some of the high-quality jobs for on-site recruitment.
"Innovation Leader" program: selected Rizhao City, industry leading talent convergence plan innovation, entrepreneurial projects for young talent, respectively, the project unit can be given a maximum of 3 million yuan, 5 million yuan of supporting support; selected Rizhao City, industry leading talent convergence plan for innovation of young talent, individual full-time in Rizhao Work, give the maximum annual 500,000 yuan talent allowance, flexible introduction of the maximum annual 300,000 yuan talent allowance. Newly selected young and middle-aged experts in Shandong Province who have made outstanding contributions, the municipal financial one-time grant of 100,000 yuan supporting allowances. The implementation of the "list of commanders" to introduce young top talents at home and abroad, to crack the "neck" problem, by the municipal finance to give each project 5-20 million yuan to guide the financial support. Around the new generation of information technology, biomedicine, life and health, new materials, high-end equipment and other emerging industries, to support enterprises, new R & D institutions and innovation and entrepreneurship **** the same body and other innovation platforms to introduce high-level young talent from overseas to declare the national and provincial key talent program, the city financial attraction of outstanding results in the innovation platform to give 5-30 million yuan to attract funding support. Special circumstances can be "one case at a time". In the municipal talent projects and science and technology projects, increase the proportion of young scientific and technological talents. In-depth implementation of the "doctor into the enterprise" action, from the university each year to send a number of young doctors to carry out six months of cooperation, the municipal finance to give each person 20,000 yuan of working expenses subsidies.
"Incentive" program: each year from the city's private enterprises identified a number of college student internship bases, the base to absorb college students with college degrees and above to participate in internships, the municipal finance in accordance with the standard of 1,000 yuan per person per month to the base of the award, the maximum award of 50,000 yuan for each base. For the private legal person enterprise to absorb young talents in the year than the previous year's growth of more than 100 people, a one-time reward of 300,000 yuan to the enterprise; growth of 51-100 people, a one-time reward of 200,000 yuan to the enterprise; growth of 31-50 people, a one-time reward of 100,000 yuan to the enterprise; regularly to attract talent outstanding enterprises Commendations will be given to enterprises that have done outstanding work in attracting talents. Support for private enterprises to participate in the city's unified organization of the city outside the talent attraction activities, the municipal finance to give the maximum of 1,000 yuan each time the province, the maximum of 2,000 yuan each time the province, the maximum of 20,000 yuan each time the country (territory) outside of the transportation and accommodation subsidies.
"Bole recommended talent" program: third-party organizations and individuals to introduce high-level young talent at home and abroad to work in Rizhao for the first time, after the declaration of the selection, the municipal finance to give a maximum of 500,000 yuan reward. Relying on colleges and universities, intermediary institutions, the city in foreign institutions, etc., in key cities to set up talent workstations, annual assessment and evaluation, the city of outstanding effectiveness of the attraction of the city finances to give the maximum of 100,000 yuan in funding subsidies; the city finances to set up 800,000 yuan of incentives each year, the assessment of a number of attraction of talent emissaries and give awards.
Support in Rizhao colleges and universities (including technical colleges) to set up a youth talent liaison station, according to the previous year's graduates to stay in Rizhao proportion of the set of differentiated award standards, the municipal finance to give incremental incentives, the maximum award of 200,000 yuan a year for each liaison station. Regularly held special recruitment activities for universities in Rizhao, the large-scale recruitment activities held in Rizhao universities, local exhibitors more than 100 companies, by the municipal finance a one-time subsidy of 50,000 yuan.
"Entrepreneurial empowerment" plan: improve the talent entrepreneurial investment and financing system, a phase of the establishment of 50 million yuan of "talent entrepreneurship fund", to build venture capital institutions and talent innovation project docking platform, to support the young talent enterprises multi-channel financing. Carry out talent insurance pilot, the talent enterprise insurance and R & D projects related to insurance products, by the municipal finance to give a single enterprise premium subsidies of up to 100,000 yuan. Guiding banking institutions to enhance the "talent loan" support, eligible high-level young talent can apply for a loan of 10 million yuan, multiple high-level talent serving the same enterprise can apply for a maximum of 50 million yuan loan.
Eligible young talents who start their own business can apply for a maximum of 20-3 million yuan of business loans. College graduates who start small and micro enterprises for the first time will be given a one-time entrepreneurial subsidy of 20,000 yuan or 50,000 yuan if they meet the corresponding conditions; and they will be given a one-time entrepreneurial job development subsidy of 3,000 yuan/job if they take in qualified employed people. Full-time college graduates within five years after graduation will be given a one-time entrepreneurial subsidy of RMB 10,000 for the first time they set up an individual business if they meet the conditions; if they have operated for one year or less than two years and have not been stationed in a business incubation base (park), they will be given a maximum of RMB 9,000 for leasing the place for starting a business. Regularly organize entrepreneurship competitions for college students, each outstanding project will be given a maximum of 30,000 yuan in funding, and priority will be given to recommend outstanding projects to participate in the national and provincial entrepreneurship competitions.
"Worry-free service" program: upgrading the youth post, for foreign job-seeking college graduates, college internship practice team to provide free accommodation for a maximum of 3 days, 5 days, respectively, to provide policy advice, job referral, urban integration and other services, the municipal finance of the youth post operator according to the actual number of rooms to give a maximum of 100 yuan subsidies per room per day. The municipal finance will subsidize the operators of the youth post with a maximum of 100 yuan per room per day according to the number of actual stays. The implementation of the "first settled after employment" talent settlement policy, the development of young talent to Rizhao, himself, his spouse, children, parents can settle in Rizhao town. The construction of "online and offline" all-round intelligent employment service platform, for all kinds of young talents to Rizhao employment and entrepreneurship to provide convenient service conditions.
The introduction of young talent to the institutions, the performance of particularly outstanding doctoral degree professional and technical personnel, may not account for the unit of the senior post structure ratio; performance of outstanding master's degree and above graduate professional and technical personnel, the first post employment may not be subject to the limitations of the unit's post structure ratio, directly appointed with the qualifications corresponding to the lowest level of the post. For young talents selected for key talent projects, the issuance of "Sunshine Huitai Card", enjoying title evaluation, job employment, salary management, transportation, travel, tourism and fitness, health care and other 23 green channel services.
Expanding a number of kindergartens, primary and secondary schools, remodeling and upgrading the city's comprehensive practice base for young people, and improving the level of schooling protection for children of high-level young talents.
"Enjoy Rizhao" program: the new introduction of young talent free of application to enjoy "Rizhao Tourism Card" 1 (free of annual fee), free to visit the "Rizhao Tourism Card "Join the scenic spots. Newly-introduced young talent 2 years to Rizhao Tennis Center fitness can enjoy 8.5% discount, to the Rizhao Swimming Center, Rizhao Soccer Park, Rizhao Xianghe Sports Park for fitness cards can enjoy 7% discount.
Introduced to create a number of young people in line with the consumer psychology of the consumer scene, enriching the "night tour", "night entertainment", "night food" and other night-time consumption patterns. Encourage the catering industry enterprises and business associations to tap into the cultural connotation of local snacks, increase modern elements, creative fashion packaging, to provide a consumer experience suitable for youth groups. Relying on the Sunshine Coast Greenway, the city library held a series of cultural and sports activities, held a reading salon, youth music festival and other special activities, the regular development of young talent association, symposiums, colleges and universities in Japan weekend experience activities to enrich the cultural, artistic and recreational life of young talent, so that young talent to feel living in Rizhao is happiness.