China-Singapore Jingwei client, May 10 (Dong Xiangyi) According to incomplete statistics from China-Singapore Jingwei client, there have been more than 20 places in Beijing, Shenyang, Hunan, Yunnan, and Heilongjiang to adjust housing provident fund policies during the year. In order to cope with the impact of the new Coronary Pneumonia epidemic, in addition to the implementation of the enterprise's policy of postponing the provident fund, targeted measures have been issued in many places. In addition, in some areas, the business of renovating old buildings and installing elevators are included in the scope of the provident fund withdrawal to reduce the economic burden of the majority of employees.
The new latitude and longitude in the data map Dong Xiangyi photo
Implemented a new provident fund deal in more than 20 years
According to incomplete statistics, since 2020, more than 20 places in Beijing, Shenyang, Hunan, Yunnan, Heilongjiang, Guangzhou, Dongguan, Jinan, etc. have implemented new provident fund policies. The scope of the provident fund withdrawal, the amount of withdrawal, the loan application conditions and the loan amount are all New regulations have been introduced, and policies in many places have been significantly relaxed.
In terms of withdrawal policy, Jinan adjusted the fixed withdrawal of rental commercial housing from May 1st, and the amount per person per withdrawal was increased from 7200 yuan to 9600 yuan, and from 2600 yuan to 12000 yuan after 2 years. It is reported that the employees who contribute to the provident fund can raise an average of 1,000 yuan per month, and the families of dual-employees can withdraw an average of 2,000 yuan per month.
Shenyang has increased the rental housing extraction limit. The limit in the urban area has been increased from 1,200 yuan / month to 1,400 yuan / month. For houses located in four counties (districts and cities), the limit has been increased from 800 yuan / month to 950 yuan / month.
Since the housing provident fund withdrawal is one of the most frequently used business types of employees everywhere, raising the housing provident fund ceiling and amount is one of the practical measures to protect renters.
In terms of loan policy, taking Hunan as an example, if the borrower purchases a second-hand house to apply for a provident fund loan and applies for a bank loan to a provident fund loan from May 1, the age of the mortgaged real estate will no longer be restricted; The time for applying for a loan after housing is adjusted from 2 years before the loan application to 1 year.
Hubei Jingzhou stipulates that the maximum amount of personal provident fund loans will be increased from 450,000 yuan to 500,000 yuan. In addition, before June 30th, the newly-built commercial housing was purchased in Jingzhou City. After paying the deed tax, the financial department will give full rewards.
There are also individual regions that have tightened provident fund loan policies. Yunnan stipulates that personal housing loans of provident funds shall not be issued to families of paid employees who purchase a third set or more of housing. Foshan, Guangdong requires that employees not apply again before the first provident fund loan is paid off, and shall not grant loans to employees who have had two records of the use of housing provident fund loans.
Yan Yuejin, Research Director of the Think Tank Center of E-House Research Institute, told the Sino-Singapore Jingwei client that since the beginning of last year, the provident fund policy has been significantly relaxed. Whether it is ample quota or the service orientation is very obvious, more areas are convenient for employees to use the provident fund. This is a basic direction.
New latitude and longitude in the data map
Actively respond to the impact of the epidemic
Affected by the new Coronary Pneumonia epidemic, according to the regulations of the Ministry of Housing and Urban-Rural Development, enterprises can apply for the deferred payment of housing provident fund before June 30 according to the regulations. The payment time is continuously calculated during the deferred payment period, and does not affect the normal withdrawal and application of housing provident fund loans by each employee.
Since the outbreak, local intensive policies have adjusted the provident fund policy, which mainly includes two types. One is to reduce the provident fund contribution ratio in stages. For example, Shenzhen provides that difficult enterprises can apply to reduce the housing provident fund deposit ratio to a minimum of 3%, and the period does not exceed 12 months; the second is to allow enterprises to postpone the provident fund. Since February, cities such as Ningbo, Xiamen, Nanning, and Zhengzhou have allowed companies with operating difficulties to postpone the provident fund.
Wuhan, Hubei, issued a notice saying that for medical staff and staff who participated in the prevention and control of Wuhan epidemic situation, within a certain period of time, the provident fund use tilt policy was provided, and the maximum loan amount can be increased by 1.2 times, that is, the maximum loan can be loaned to 840,000 yuan; Jingzhou is clear to participate The frontline medical staff in epidemic prevention and control purchase houses in Jingzhou City, and the preferential period of house purchase deed tax is extended to December 31.
Beijing made it clear that, before June 30, if you apply for a provident fund contract or rent invoice to apply for the withdrawal of the provident fund, the withdrawal amount is adjusted to the actual amount of the rent paid by the depositor, and it is not subject to the monthly deposit of the depositor; the provident fund loan If a person fails to repay normally due to the impact of the epidemic situation, overdue treatment shall not be made.
Some residents in Guangzhou can provide an additional provident fund. Specifically, employees who have approved reductions in the payment ratio, deferred payment, and periodic suspension of payment units, as well as depositors who have been unemployed or unemployed but temporarily lost their income sources due to the epidemic, You can apply for an additional provident fund before June 30, the amount of withdrawal does not exceed 3000 yuan.
Photo of the new latitude and longitude Xue Yufei in the data map
Provident fund can be withdrawn in the renovation of old communities
The Sino-Singapore Jingwei client found that in some areas, it is clear that the provident fund can be used for the renovation of old communities and the installation of elevators in existing residences. Judging from the long-term trend of cooperating with the "old reform" policy, other regions may follow up one after another.
From May 1st, the new provident fund policy implemented by Heilongjiang proposed that if the depositor has purchased, constructed, renovated, or overhauled the self-occupied housing, the principal and interest of the home purchase loan should be repaid, and the non-household staff must continue to deposit for more than 3 months, and the old community will be renovated With the addition of elevators in old communities, retirement, settlement and other 9 types of situations, you can withdraw the provident fund. In addition, Shanghai, Qingdao, Shandong and other places have also made it clear that old-age community renovation projects and existing residential elevator installation projects can withdraw and use the provident fund.
It is worth noting that two important meetings this year mentioned "old reform". On April 17, the Politburo convened a meeting to emphasize "actively expand effective investment and implement the transformation of old communities." On April 14, the State Council executive meeting proposed that 39,000 old urban communities will be renovated this year, involving nearly 7 million residents, a doubling of last year. The focus is on residential areas built before the end of 2000.
Should the provident fund be cancelled?
The data shows that as of the end of 2018, the national housing provident fund payment balance was 5.79 trillion yuan, and personal housing loans were issued 4.98 trillion yuan. The personal housing loan rate (accumulation fund housing loan balance / payment balance) reached 86.04%. For more than 20 years since the establishment of the housing provident fund system, it has played an important role in solving the housing problems of employees, reducing the burden of buying houses, and increasing the welfare of employees.
Recently, Huang Qifan, deputy director of the China International Economic Exchange Center, proposed that the Chinese provident fund should be transformed into an enterprise annuity system and incorporated into the market for investment to benefit employees, enterprises and the country. In February of this year, Huang Qifan proposed "recommendation to abolish the provident fund system" to directly reduce costs for enterprises and employees by 12%.
Su Jian, director of the National Economic Research Center of Peking University, once said that the housing provident fund is tax-free, and renting and buying a house can be easily taken out, which is equivalent to giving everyone a non-taxable benefit. If the housing provident fund is cancelled, it is equivalent to reducing the personal disposable income of the common people.
In Yan Yuejin's view, the abolition of provident fund deposits is not feasible. The accumulation of provident funds is not entirely a business burden. As a form of employee welfare, employees themselves also bear part of the cost. In addition, he also said that in the future, various places should simplify the use of provident funds, so that employees can use the provident fund more conveniently, and make the provident fund resources more effective. (Sino-Singapore Jingwei APP)
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