Original title: New policy for more than 50 land provident funds within the year, mutual recognition and loan promotion in many places, and withdrawal from other places
Zhongxin Jingwei Client September 30 (Zhang Meng) The provident fund policy is closely related to our lives. According to the incomplete statistics of China Singapore Jingwei reporter, more than 50 places have issued new policies for provident fund in the year.
Data map. Photographed by Zhang Meng, Jingwei, Zhongxin Mutual recognition and loan of provident fund in multiple places during the year
The reporter from China Singapore Jingwei found that during the year, provident funds in many places were recognized and loaned to each other. These include mutual recognition and loan of provident fund in 20 cities in the middle reaches of the Yangtze River, mutual recognition and loan of provident fund in four cities in the Yangtze River Delta, mutual recognition and loan of provident fund in Chengdu and Panzhihua, and mutual recognition and loan of provident fund in Sichuan and Chongqing.
On September 25, Wuhan, Changsha, Hefei, Nanchang, the provincial capitals of the city clusters in the middle reaches of the Yangtze River, and the "Observer" cities Huangshi, Yueyang, Jiujiang, Huanggang, Zhuzhou, Fuzhou, Xianning, Xiangtan, Yichun, as well as 20 cities in Yichang, Jingzhou, Xiaogan, Ezhou, Tianmen, Xiantao, and Qianjiang signed the Cooperation Convention on Housing Provident Fund Management Center of the city clusters in the middle reaches of the Yangtze River Vigorously develop the personal loan business of housing provident fund in different places, and expand the scope of mutual recognition and loan of housing provident fund in different places; Continuously improve the risk prevention mechanism of housing provident fund off-site personal loans; Explore the establishment of information sharing and verification mechanism for housing provident fund; Continue to deepen the transfer of housing provident fund to other places; Strengthen the cooperation of the housing provident fund information system for disaster recovery in other places, and promote the establishment of the exchange and training mechanism for housing provident fund practitioners.
On August 20, the housing construction departments of Shanghai, Zhejiang Province, Jiangsu Province and Anhui Province jointly signed the Strategic Cooperation Framework Agreement on the Integration of Housing Provident Fund in the Yangtze River Delta. The provident fund management departments of three provinces and one city will take the lead in carrying out cooperation from nine aspects, including cross regional housing purchase information assistance in the Yangtze River Delta, mutual recognition of cross region loan certification information in the Yangtze River Delta In the Yangtze River Delta Ecological and Green Integrated Development Demonstration Zone, we will pilot a unified house purchase and withdrawal business policy.
In September this year, Chengdu Municipal Government and Panzhihua Municipal Government discussed and signed the supplementary agreement of the Cooperation Agreement on Deepening Regional Cooperation and Promoting South Opening Development, forming a consensus on mutual recognition and loan of housing provident fund. The maximum loan amount of Chengdu housing provident fund is 700000 yuan, and the maximum loan amount of Panzhihua housing provident fund is 600000 yuan.
In April this year, according to the memorandum of cooperation signed by the housing construction management departments of Sichuan and Chongqing, the two sides will promote the establishment of seven mechanisms, including mutual recognition and mutual loan, promote the integrated development of provident fund in the two places, and cooperate in four aspects, including administrative law enforcement linkage, to promote the formation of a judicial law enforcement linkage mechanism in the field of housing provident fund in the two places.
Chen Xiao, an analyst of Zhuge Housing Data Research Center, pointed out in an interview with the China Singapore Jingwei client that mutual recognition and mutual loan of provident fund in many places is of great significance for achieving coordinated development among cities in the urban agglomeration, which is conducive to realizing the flow of talents between cities, realizing the convenience of the people and promoting regional integration.
Yan Yuejin, research director of the think-tank center of E-House Research Institute, said to Sino Singapore Jingwei client that such mutual recognition and loan policies can greatly promote the convenience of subsequent use of provident fund. For the real estate market, the networking and integration of the provident fund system will help to form a better development model and further activate housing transactions.
Yan Yuejin added that mutual recognition and loan of provident fund has little to do with the housing purchase policy, which can not be directly understood as policy relaxation, but should be understood as a more perfect provident fund system and a more people-oriented and convenient orientation. At the same time, it is necessary to guard against the phenomenon of using such policies to draw provident fund in disguised form to speculate in popular cities.
Data map. Photographed by Xiong Siyi, Zhongxin Jingwei Three cities accept the withdrawal business of non local loans
During the year, Xi'an, Zaozhuang and Harbin issued documents to announce that they accepted the withdrawal of provident fund loans from other places.
On September 24, Xi'an issued a document stipulating that from September 25, employees who buy houses and repay loans outside Xi'an (including Xixian New Area) can handle the withdrawal of provident fund.
On September 3, Zaozhuang resumed the non local loan of provident fund. The notice pointed out that if you work in a different place to pay the provident fund, you can return to the local house purchase loan. The applicant applies to the center for a loan with the local house purchase contract, payment receipt or invoice, the Certificate of Payment of Non local Loan issued by the provident fund center in the place of deposit, and the details of normal payment for more than six months (inclusive).
In July, Harbin stipulated that from July 1, employees (including all provident fund industry sub centers in Kazakhstan) can apply for provident fund loans in Harbin. In order to improve the service efficiency, it is decided to accept the business of provident fund loan in different places in Hasi and Qunli service halls from July 15, 2020.
4. Land provident fund loan policy tightened
The reporter from China Singapore Jingwei noted that since 2020, at least four places have tightened their provident fund loan policies by reducing the amount of provident fund loans, increasing the conditions for applying for withdrawal of second-hand housing in foreign markets, and stopping granting to third house buyers and above.
On September 23, Dongguan Housing Provident Fund Management Center issued the Notice on Adjusting the Provisions on Loan and Withdrawal of Some Housing Provident Fund, which pointed out that the maximum loan limit should be adjusted. The maximum loan limit for the first house was adjusted from 1.2 million yuan to 0.9 million yuan; The maximum loan limit for the second set of housing was adjusted from 800000 yuan to 500000 yuan. At the same time, the conditions for applying for withdrawal of second-hand housing purchased from outside the market will be increased, and the purchase of second-hand housing from outside the market should not be applied for withdrawal until the real estate ownership certificate has been obtained for 6 months.
On August 7, Hefei issued the Notice on Improving the Housing Provident Fund Loan Policy in Hefei, which clearly identified the number of family loans after changes in marital status. The number of prenuptial provident fund loans shall be included in the number of family loans after marriage, and the number of family provident fund loans during the marriage relationship shall be included in the number of party loans after the marriage relationship ends.
On August 3, Fuyang Municipal Housing Provident Fund Management Center issued the Notice on Implementing the Housing Provident Fund Loan Policies of the Ministry of Housing and Urban Rural Development and other national ministries and commissions. From August 10, it stopped granting housing provident fund loans to purchasers who purchased the third or more houses. For the second application for public reserve fund loans to purchase houses, the down payment ratio should not be less than 50%, And the loan interest rate is not lower than 1.1 times of the first set of provident fund loan interest rate in the same period.
On July 14, the Housing Fund Management Center of Inner Mongolia Autonomous Region issued the Notice on Adjusting the Policies Related to Housing Provident Fund Loans. Since August 1, the policy of housing provident fund loans has been tightened, and the policy that the borrower's "same household registration" family members can also use housing provident fund loans has been canceled, Stop granting housing provident fund individual housing loans to the employee families who purchase the third or more housing units.
Zhang Dawei, chief analyst of Centaline Real Estate, believes that the core problem of some cities' tightening of loan lines is the shortage of provident fund capital.
Chen Xiao analyzed that the adjustment of provident fund policy in the above four places is to promote the healthy and stable development of the provident fund market. After the epidemic, the housing market in some cities continued to be hot. This tightening of provident fund policy is also to combat speculation and maintain the order of provident fund withdrawal, which is of great significance to maintain the stability of the housing market.
Data map. Photographed by Zhang Meng, Jingwei, Zhongxin 6 cities raised the withdrawal limit of housing provident fund
According to incomplete statistics, during the year, six cities including Shenzhen, Dongguan, Shenyang, Jinan, Weifang and Baotou encouraged housing rental consumption and raised the withdrawal limit of housing provident fund.
On July 2, Shenzhen issued a document to increase the withdrawal amount of housing provident fund to 80% in stages. In order to reduce the pressure on employees to pay rent during the epidemic, from July 1, 2020 to December 31, 2020, the withdrawal ratio of rental housing will be increased periodically. If employees withdraw housing provident fund to pay rent, the monthly withdrawal amount from July to December 2020 will be increased to 80% from 65% of the amount payable in the month of application.
Weifang stipulates that from June 15, the lessee and his/her spouse who meet the conditions for withdrawing housing provident fund from the leased self occupied housing can independently determine the withdrawal method according to their own actual conditions. If the withdrawal is based on a fixed amount, the total amount withdrawn by employees and their spouses will be increased from 8000 yuan to 12000 yuan per year.
On May 7, the official website of Dongguan Municipal People's Government released the Implementation Opinions of Dongguan on Accelerating the Cultivation and Development of the Housing Rental Market, which mentioned that the upper limit of the proportion of provident fund withdrawn for rental housing should be raised to 70% and the upper limit of the amount should be raised to 1800 yuan/month.
On March 25, the website of Shenyang Housing Provident Fund released the Notice on Adjusting the Policy of Partial Withdrawal of Housing Provident Fund. The notice clearly stated that since April, Shenyang has increased the withdrawal limit for rental housing. Among them, if the house is located in the urban area of Shenyang, the limit will be increased from 1200 yuan/month to 1400 yuan/month; For houses located in 4 counties (districts and cities), the limit is increased from 800 yuan/month to 950 yuan/month.
On March 27, Jinan Housing Provident Fund Center announced that from April 1, the rental commercial housing can be withdrawn once a year, and the interval between two withdrawals is not less than 12 months. The quota withdrawal of individual leased commercial housing of employees was raised again from 9600 yuan to 12000 yuan, and the upper limit of the quota withdrawal of leased commercial housing remained unchanged at 36000 yuan.
In March this year, the withdrawal standard for rental housing in Baotou City increased by 10% on the current basis, that is, the maximum withdrawal limit for urban single employees is 12900 yuan/year, and the maximum withdrawal limit for employee families is 17800 yuan/year; The maximum withdrawal limit for single employees in Qixian District is 10300 yuan/year, and the maximum withdrawal limit for employee families is 14300 yuan/year. The withdrawal time of rental housing is adjusted from once a year to once a quarter, and the annual withdrawal standard does not exceed the upper limit of the current year.
Chen Xiao believes that encouraging housing rental consumption and raising the housing withdrawal limit of provident fund will relax the provident fund policy to a certain extent, make the quota more abundant, promote employees to use provident fund, encourage housing rental consumption, and have a positive significance for the implementation of the policy of simultaneous rental and sales.
Provident fund for elevator installation in 11 cities
According to statistics, 11 cities, including Shanghai, Zhengzhou, Jinan, Qingdao, Wuxi, Dezhou, Changzhi, Xiangyang, Nanchong, Taizhou, Zhoushan, etc., announced the installation of elevator energy accumulation fund.
Since October 8, the public accumulation fund can be withdrawn for the installation of elevators in existing residential buildings in Dezhou. From November 1, Wuxi will add elevators to the public accumulation fund. From January 1, 2021, Jinan will add an elevator voting rule, which will be adjusted to "two thirds" of the owners who participate in the voting. With the written consent of the "three quarters" of the owners who participate in the voting, they can go through the procedures of construction filing, planning review, etc. After implementation, the owners who add an elevator can withdraw the housing provident fund of both spouses.
In addition, since February 1, the existing multi-storey residential buildings in Shanghai and Nanchong equipped with elevators have been able to withdraw the use of provident fund. From June 28, Changzhi added elevators to withdraw housing provident fund, which will be withdrawn within one year from the date when the elevator is registered by the special equipment safety supervision and management department. Since July 1, the old residential areas in Zhengzhou have been equipped with elevators, which can be used as provident fund.
Chen Xiao pointed out that adding elevators can draw and use provident fund, which reflects the requirements of improving people's livelihood. Adding elevators to provident fund can reduce the economic burden of residents to a certain extent, and play a positive role of provident fund in improving residents' living environment. (Zhongxin Jingwei APP)
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