Many domestic provident fund policies have been adjusted to increase the payment and deposit base and loanable amount to promote the market recovery
Yangtze Evening News (Reporter Ma Zuobo) As the "New Year Pass" approaches, many domestic provident fund policies have been adjusted successively.
The reporter learned that nearly 20 cities including Guangzhou, Jinan, Xi'an, Hefei and other cities have recently issued new policies involving provident funds, including measures such as raising the deposit base and raising the loanable amount. Analysts pointed out that the loose provident fund policy will help the market recover. Enhance the confidence of home buyers.
Since December, Guangzhou, Changchun, Zhuhai, Jiaxing, Maoming, Shaoguan, Baotou and other places have raised the lower limit of the local provident fund payment base, and the lower limit of the payment amount has been increased.
Taking Guangzhou as an example, the lower limit of the provident fund payment base was adjusted from 2100 yuan to 2300 yuan; the lower limit of the provident fund payment base in Changchun urban area was adjusted from 1780 yuan to 1880 yuan; Zhuhai adjusted the lower limit of the provident fund payment base from 1720 yuan to 1900 yuan; Since December, Jiaxing has adjusted the payment and deposit base to the minimum wage standard for employees whose payment and deposit base has not reached the minimum wage standard (2070 yuan/month).
The reporter learned that the annual adjustment of the payment base is a "prescribed action" since the implementation of the provident fund system, but the adjustment time is different for each city. For example, the annual adjustment time in Nanjing is July. After the adjustment in July 2021, Nanjing In theory, the monthly provident fund paid by employees can be as high as 8,280 yuan, an increase of 792 yuan over the previous year.
There are also many cities that are adjusted at the end of each year. After the adjustment of the above-mentioned seven places, the scope of use of employees can be expanded to support the needs of buyers who just need houses.
In addition to raising the lower limit of the deposit base, in order to attract high-level talents, some provinces and cities have also raised the loanable amount of the first housing provident fund for these people.
On November 30, Henan issued a new provident fund policy. Both husbands and wives of high-level talents have paid for more than 6 months (including 6 months) in the provincial direct funding center. The family purchases the first self-occupied house in Zhengzhou urban area with a maximum loan amount of 80. On the basis of 10,000 yuan, it will increase by 50%, and the maximum loan amount will be 1.2 million yuan.
In addition, Shenyang also introduced relevant new policies in September. For high-level talents who use provident fund loans to purchase the first self-occupied housing for the first time, the loan limit can be relaxed to 1.5-4 times, and the original maximum limit is 600,000-240 Between ten thousand yuan.
The reporter noted that some cities also include freelancers in the scope of provident fund deposits. For example, Hefei announced that from December 1st, flexible employees can pay housing provident funds in their own name, enjoy preferential loan policies, and monthly payment bases. With reference to the social insurance deposit base, the deposit ratio is 5%-12%; in addition, Guangzhou also launched a new policy on November 26, freelancers can voluntarily participate in the housing provident fund system and enjoy the same personal income tax reduction and exemption as mandatory contributions for employees , Government affordable housing and other convenience measures.
From the perspective of industry insiders, the lowering of the provident fund policy can guarantee the right to purchase a house for paid employees, help the market pick up, and promote property market transactions.