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Zhongxin Finance, May 24 (Zuo Yuqing) Good news continues!
The executive meeting of the State Council held a few days ago further deployed a package of measures to stabilize the economy and decided to implement 33 measures in 6 areas.
On the 24th, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance, and the People's Bank of China also sent good news together.
According to the website of the Ministry of Housing and Urban-Rural Development, recently, the three departments jointly issued the "Notice on Implementing the Phased Support Policy of Housing Provident Fund" to further increase the assistance of housing provident fund to help enterprises and help enterprises and depositors affected by the epidemic to tide over the difficulties together. .
Let's take a look first, the main content of the policy in the notice:
1. Enterprises affected by the new crown pneumonia epidemic can apply for a deferral of housing provident fund payments according to regulations, and make supplementary payments after the expiration.
During this period, the paid-in employees will normally withdraw and apply for housing provident fund loans, and will not be affected by the delay in payment.
2. Depositors affected by the new crown pneumonia epidemic who cannot repay the housing provident fund loan normally will not be treated as overdue, and will not be reported to the credit bureau as an overdue record.
3. According to the local rent level and reasonable rental area, all localities can increase the amount of housing provident fund rental withdrawals, support depositors to withdraw on demand, and better meet the actual needs of depositors to pay rent.
In fact, this is not the first time that the Ministry of Housing and Urban-Rural Development, the Ministry of Finance, and the People's Bank of China have implemented the housing provident fund phased support policy.
On February 25, 2020, the three departments issued a notice on matters related to the implementation of the housing provident fund phased support policy.
In addition to stipulating that before June 30, 2020, enterprises affected by the epidemic can postpone the payment of housing provident funds, and employees who cannot repay the employees' provident fund loans normally will not be dealt with overdue processing. It also requires employees who are under great pressure to pay rent to reasonably increase the rent withdrawal amount, Flexible scheduling of pickup times.
Conducive to supporting market entities to stabilize their jobs
Li Yujia, chief researcher of the Housing Policy Research Center of the Guangdong Provincial Planning Institute, believes that the three departments have issued relevant policies again this time, which is conducive to supporting market players to stabilize their jobs.
The State Council executive meeting held on April 27 proposed to focus on supporting market players to stabilize their jobs.
The policy of phased deferral of pension, unemployment, and work-related injury insurance premiums has been extended from 5 extremely difficult industries to all small, medium and micro enterprises and individual industrial and commercial households that are affected by the epidemic.
The executive meeting of the State Council held a few days ago decided to postpone the payment of three social insurance premiums to the end of the year, including micro, small and medium-sized enterprises, self-employed industrial and commercial households and 5 industries in extreme poverty, and extend it to other industries in extreme poverty. It is expected to delay payment of 320 billion yuan this year. .
Do a good job in unemployment insurance, subsistence allowances, and assistance to the needy.
Li Yujia said that the epidemic lasted for a long time and had a great impact on the offline employment-intensive production and living service industries. In order to stabilize market players and relieve employment pressure, social security contributions including provident funds were postponed, and the provident fund was withdrawn from renting houses. Policy support has been increased, the withdrawal amount has been increased, and depositors are supported to withdraw on demand, which can play a role in protecting low-income groups.
Further exert the policy effects of provident fund protection, convenience and support
Yan Yuejin, research director of the Think Tank Center of the E-House Research Institute, said that the three-department policy has played the role of the housing provident fund from another perspective, which is worthy of recognition.
In other words, there is more room for optimization of the current housing provident fund policy. Whether it is a business or a family, buying a house or renting a house, there are areas that can be further improved.
Yan Yuejin said that the current local policy support for housing provident funds is relatively strong, which is more reflected in the increase in the quota of provident fund loans and the reduction in the loan down payment ratio.
Zhongxin Finance noticed that since the beginning of this year, Tianjin, Jinan, Nanjing, Shenyang, Baotou, Harbin and many other places have issued a series of new policies for housing provident fund loans to purchase housing.
For example, on the 23rd, Guizhou lifted the three-level response to the liquidity risk of housing provident fund, and stipulated that the maximum loan amount for housing provident fund is 500,000 yuan for single-employee families and 600,000 yuan for dual-employee families.
On the same day, Qingdao issued a new provident fund policy, adjusted the conditions for loan application and deposit of provident fund loans, and adjusted the deposit standard for employees to apply for personal housing provident fund loans from the original continuous normal payment for 12 months to 6 months.
On the 22nd, Zibo City lowered the loan down payment ratio for the purchase of a second commercial residence from 40% to 30%, and gave housing subsidies to families with two and three children.
Yan Yuejin believes that the phased support policy of housing provident fund is also a new housing financial policy, which will help to further enrich and improve the content of the current housing financial policies in various places. policy effect.
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