China-Singapore Jingwei Client, September 30 (Zhang Meng) Provident fund policy is closely related to our lives.
According to incomplete statistics from China-Singapore Jingwei reporters, more than 50 places have introduced new provident fund policies during the year.
Data map.
Photo by Zhang Meng, China-Singapore Jingwei
Mutual recognition of provident funds in many places during the year
A reporter from China-Singapore Jingwei found that the provident fund mutual recognition and loan in many places during the year.
These include the mutual recognition of mutual loans in the 20 cities in the middle reaches of the Yangtze River, the realization of interoperability of housing provident funds in 4 locations in the Yangtze River Delta, the mutual recognition of mutual loans of housing provident funds in the two cities, and the promotion of mutual recognition of provident funds in Sichuan and Chongqing.
On September 25, the capital cities of Wuhan, Changsha, Hefei, and Nanchang in the middle reaches of the Yangtze River city cluster and the “observer” cities Huangshi, Yueyang, Jiujiang, Huanggang, Zhuzhou, Fuzhou, Xianning, Xiangtan, Yichun, as well as Yichang, Jingzhou, Xiaogan, Ezhou, Twenty cities including Tianmen, Xiantao, and Qianjiang have jointly signed the "Cooperation Convention on Housing Provident Fund Management Centers for Urban Agglomerations in the Middle Reaches of the Yangtze River" to vigorously develop the personal loan business of housing provident funds in different places, and expand the scope of mutual recognition and mutual loans of housing provident funds; continue to improve housing provident funds in different places Personal loan risk assistance mechanism; explore the establishment of a housing provident fund information sharing and verification mechanism; continue to deepen the transfer of housing provident fund in other places; strengthen cooperation in disaster preparedness of housing provident fund information system, and promote the establishment of housing provident fund practitioners’ exchange and training mechanism.
On August 20, the housing and construction departments of Shanghai, Zhejiang, Jiangsu, and Anhui jointly signed the "Yangtze River Delta Housing Provident Fund Integration Strategic Cooperation Framework Agreement." Provident fund management departments in three provinces and one city will take the lead in cooperating in 9 aspects , Including the cross-regional home purchase information in the Yangtze River Delta, the mutual recognition of loan certification information in the Yangtze River Delta region, and the pilot unified housing purchase business policy in the Yangtze River Delta Eco-Green Integrated Development Demonstration Zone.
In September this year, the Chengdu Municipal Government and the Panzhihua Municipal Government negotiated and signed a supplementary agreement to the "Agreement on Deepening Regional Coordination and Co-promotion of Southward Open Development Cooperation", forming a consensus on mutual recognition and mutual loans of housing provident funds.
The maximum loan amount of Chengdu's housing provident fund is 700,000 yuan, and the maximum loan amount of Panzhihua's housing provident fund is 600,000 yuan.
In April of 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 7 mechanisms including mutual recognition and mutual loan of the two places, promote the integrated development of provident funds in the two places, and carry out 4 administrative law enforcement linkages. Cooperation in the two places will promote the formation of a law enforcement and judicial linkage mechanism in the housing provident fund field.
Chen Xiao, an analyst at Zhuge Housing Data Research Center, pointed out in an interview with the Sino-Singapore Jingwei client that the mutual recognition and mutual loan of provident funds in multiple places is of great significance to the realization of the coordinated development of cities in the urban agglomeration, and is conducive to the realization of inter-city The flow of talents has made it convenient for the people and promoted regional integration.
Yan Yuejin, research director of the Think Tank Center of E-House Research Institute, told the Sino-Singapore Jingwei client that through this kind of mutual recognition and mutual loan policy, the subsequent use of provident funds can be facilitated to a large extent.
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 the mutual recognition and mutual loan of provident fund has little to do with the housing purchase policy. It cannot be directly understood as a policy relaxation. It should be understood as a more complete provident fund system and a more people-friendly and convenient orientation.
At the same time, it is necessary to prevent the use of such policies to withdraw provident funds in disguise to speculate in popular cities.
Data map.
Photo by Xiong Siyi, China-Singapore Jingwei
3 cities accept loans from other places
During the year, Xi'an, Zaozhuang, and Harbin successively issued documents announcing that they would accept loans from other places of provident fund.
On September 24, Xi’an issued a document stipulating that from September 25, employees who purchase houses and repay loans outside of Xi’an (including Xixian New District) can handle provident fund withdrawal services.
On September 3, Zaozhuang resumed loans to provident fund in other places.
The notice pointed out that when working in a different place, you can pay back the provident fund to buy a house.
The applicant presents a loan application to the center with the local house purchase contract, payment receipt or invoice, the "Off-site Loan Payment Certificate" issued by the Provident Fund Center of the place of payment and deposit, and the normal payment and deposit details of the past 6 months or more.
Harbin stipulated in July that, starting from July 1st, employees who deposit provident funds in different places (including in the branches of the provident fund industry in Kazakhstan) can apply for provident fund loans in Harbin.
In order to improve service efficiency, it has been decided to accept the provident fund loan business from other places in the Haxi and Qunli service halls from July 15, 2020.
4 local provident fund loan policy tightened
China-Singapore Jingwei reporter 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 requirements for the purchase of second-hand houses in other markets, and suspending the provision of third-home buyers and above.
On September 23, the Dongguan Municipal Housing Provident Fund Management Center issued the "Notice on Adjusting Part of the Housing Provident Fund Loan and Withdrawal Regulations." The "Notice" pointed out that the maximum loan amount should be adjusted.
The maximum loan amount for the first house was adjusted from 1.2 million yuan to 900,000 yuan; the maximum loan amount for the second house was adjusted from 800,000 yuan to 500,000 yuan.
At the same time, the conditions for applying for withdrawal for the purchase of second-hand houses in other cities have been increased. The purchase of second-hand houses in other cities should apply for the withdrawal of the real estate certificate for 6 months.
On August 7, Hefei issued the "Notice on Improving Our City's Housing Provident Fund Loan Policy". The "Notice" clearly identified the number of household loans after the change in marital status.
The number of pre-marital provident fund loans is recorded in the number of household loans after marriage, and the number of provident fund loans of the family during the duration of the marriage relationship is recorded in the number of loans to the parties after the marriage.
On August 3, the Fuyang 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". Starting August 10, the payment of housing provident funds to buyers who purchase third or above houses will be stopped For loans, if you apply for a provident fund loan for the second time to buy a house, the down payment ratio shall not be less than 50%, and the loan interest rate shall not be lower than 1.1 times of the first set of provident fund loan interest rates in the same period.
On July 14, the Housing Fund Management Center of Inner Mongolia Autonomous Region issued the "Notice on Adjusting the Relevant Policies for Housing Provident Fund Loans". Starting from August 1, the provident fund loan policy will be tightened, and the borrower’s "same household registration" family members can also be used to purchase houses. The policy of provident fund loans stopped granting individual housing provident fund loans to families of employees who purchase third or above houses.
Zhang Dawei, chief analyst of Centaline Real Estate, believes that the core problem of tightening loan quotas in some cities is insufficient capital in provident funds.
Chen Xiao analyzed that the above four provident fund policy adjustments are to promote the healthy and stable development of the provident fund market.
After the epidemic, the housing market in some cities has continued to be hot. The tightening of the provident fund policy is also to combat real estate speculation and maintain the order of provident fund withdrawal, which is of great significance to maintaining the stability of the property market.
Data map.
Photo by Zhang Meng, China-Singapore Jingwei
6 cities raise the withdrawal limit for housing provident fund rental
According to incomplete statistics, during the year, six cities including Shenzhen, Dongguan, Shenyang, Jinan, Weifang, and Baotou encouraged housing rental consumption and raised their housing provident fund withdrawal limits.
On July 2nd, Shenzhen issued a document to gradually increase the housing provident fund withdrawal limit to 80%.
In order to alleviate the pressure of paying rent for paid employees during the epidemic period, from July 1, 2020 to December 31, 2020, the proportion of rental housing withdrawal will be gradually increased, and employees withdrawing housing provident funds for payment of rent will be from July to December 2020. The monthly withdrawal amount will be increased from 65% to 80% of the deposit due in the month of application.
Weifang stipulates that from June 15th, tenants and their spouses who meet the conditions for withdrawing housing provident fund for rented self-occupied houses can independently determine the withdrawal method according to their actual conditions.
According to the fixed amount of withdrawal, the total withdrawal rate of employees and their spouses has been increased from 8,000 yuan per year to 12,000 yuan per year.
On May 7, the official website of the Dongguan Municipal People's Government issued the "Implementation Opinions of Dongguan on Accelerating the Cultivation and Development of the Housing Rental Market", which mentioned that the upper limit of the rental provident fund ratio will be increased to 70%, and the upper limit of the quota will be increased to 1,800 yuan/month.
On March 25, the Shenyang Housing Provident Fund website issued the "Notice on Adjusting the Partial Withdrawal Policy of Housing Provident Fund".
The notice made it clear that starting from April, Shenyang will increase 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 1,200 yuan/month to 1,400 yuan/month; if the house is located in 4 counties (districts, cities), the limit will be increased from 800 yuan/month to 950 yuan/month .
On March 27, the Jinan Housing Provident Fund Center announced that starting from April 1, the withdrawal of commercial rental housing can be withdrawn once a year, and the interval between the two withdrawals is no less than 12 months.
The fixed withdrawal of individual employees' rental commercial housing has been increased again, from 9,600 yuan to 12,000 yuan, and the upper limit of the withdrawal of the rental commercial housing has remained unchanged at 36,000 yuan.
In March of this year, Baotou’s rental housing withdrawal standard was increased by 10% on the current basis. That is, the maximum withdrawal limit for single employees in the urban area is 12,900 yuan/year, and the maximum withdrawal limit for employee families is 17,800 yuan/year; the maximum withdrawal limit for single employees in Qixian districts is 10,300 yuan /Year, the maximum withdrawal limit for employee households is 14,300 yuan/year.
The rent withdrawal time is adjusted from once a year to once every quarter, and the annual withdrawal standard does not exceed the withdrawal limit of the current year.
Chen Xiao believes that to encourage housing rental consumption, increase the housing withdrawal limit of provident fund, relax the provident fund policy to a certain extent, make the quota more abundant, promote the use of provident fund by employees, encourage housing rental consumption, and have a positive attitude towards the implementation of the simultaneous rental and sales policy. significance.
Eleven cities can use provident funds for installing elevators
According to statistics, 11 cities including Shanghai, Zhengzhou, Jinan, Qingdao, Wuxi, Dezhou, Changzhi, Xiangyang, Nanchong, Taizhou and Zhoushan announced that they can use provident funds for installing elevators.
From October 8th, the existing housing in Dezhou can be withdrawn from the provident fund by installing elevators.
Since November 1, Wuxi can use provident funds for installing elevators.
Jinan will add elevators from January 1, 2021. The voting rules have been adjusted to "double three-quarters and two" owners to participate in the voting, and with the written consent of the "double three-quarters" owners participating in the voting, they can go through construction filing, planning review, etc. After the implementation of the procedures, the owners of installing elevators can withdraw the housing provident fund of both spouses.
In addition, since February 1, existing multi-storey residential buildings in Shanghai and Nanchong have installed elevators to withdraw the use of provident funds.
From June 28, Changzhi installed elevators to withdraw the housing provident fund, which will be withdrawn within one year from the date when the elevator is registered for use by the special equipment safety supervision and management department.
Starting from July 1st, provident funds are available for installing elevators in old communities in Zhengzhou.
Chen Xiao pointed out that the use of provident funds can be extracted for the installation of elevators, which reflects the requirements of improving people's livelihood. The use of provident funds to install elevators can reduce the economic burden of residents to a certain extent, and give play to the positive role of provident funds in improving residents' living environment.
(Zhongxin Jingwei APP)
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