China-Singapore Jingwei, May 26 (Wan Keyi) Recently, the Ministry of Housing and Urban-Rural Development and other three departments issued a notice that localities can increase the amount of housing provident funds for renting rentals; enterprises affected by the epidemic can apply for a deferral of housing provident funds.
China-Singapore Jingwei combing found that as of May 25, at least 36 cities had introduced new provident fund policies in May.
Increase the maximum provident fund loan amount
In terms of content, the new provident fund policies introduced by the above-mentioned cities generally focus on increasing the provident fund loan amount and reducing the down payment ratio of provident fund loans.
Among them, Tianjin issued a notice saying that if the city's deposited employees apply for a personal housing provident fund loan to purchase a family's first home, the maximum loan limit will be increased from 600,000 yuan to 800,000 yuan.
In this regard, Tianjin's official interpretation stated that it will adjust the maximum loan limit of the first housing provident fund, increase support for employees' basic housing needs, and help employees achieve housing.
Jinan issued a document to clarify that if the first ordinary self-occupied house is purchased in the administrative area of Jinan City to apply for a housing provident fund loan, the maximum loan amount for an employee's family who pays the housing provident fund by one person will be increased from 300,000 yuan to 350,000 yuan, and two or more people will pay the deposit. The maximum loan amount for employee families of the housing provident fund has been increased from 600,000 yuan to 700,000 yuan.
New latitude and longitude in the data map
Yinchuan lowered the down payment ratio to reduce the pressure on buyers to raise funds in the early stage. The minimum down payment ratio for individuals purchasing a first home through commercial bank and provident fund loans was lowered to 20%, and the minimum down payment ratio for a second home was lowered to 30%.
At the same time, Yinchuan City increased the maximum loan amount of housing provident fund paid by a single employee from 500,000 yuan to 600,000 yuan.
Changzhou stipulates that if one of the provident fund loan applicants is eligible, the maximum loan amount will be increased from 300,000 yuan to 600,000 yuan, and if two (inclusive) or more are eligible, the maximum loan amount will be increased from 600,000 yuan to 900,000 yuan.
In addition, Changzhou also reduced the minimum down payment ratio for the second housing provident fund loan from 50% to 30%.
Yan Yuejin, research director of the Think Tank Center of the E-House Research Institute, told Sino-Singapore Jingwei that the current local policy support for housing provident funds is relatively strong, which is more reflected in the increase in the amount of provident fund loans and the reduction in the loan down payment ratio.
The introduction of such policies will help enrich and improve the content of housing finance policies in various places, and at the same time directly hit the pain points of the market, giving play to the policy effects of housing provident fund protection, convenience and support.
It is worth noting that in May, Shenyang, Yangzhou, Zhoushan and other places also introduced policies to give preference to families with two and three children.
For example, Shenyang has made it clear that for families with housing provident funds who have two or three children under the age of 18 and who use provident fund loans to purchase self-occupied housing, the loan limit can be relaxed to 1.3 times the current maximum loan amount.
The loan can be 650,000 yuan for unilateral deposits, 910,000 yuan for both parties, and 1.17 million yuan for tripartites.
Zhoushan issued a document that the same couple gave birth to a second child after November 19, 2013 (inclusive), and a worker family who had a third child after May 31, 2021 (inclusive) applied for a housing provident fund loan for the first time to buy the first self-occupied house or had already If you own a house and have settled the housing loan to buy a second house, the loan amount will be increased by 20% on the basis of the maximum 600,000 yuan.
New latitude and longitude in the data map
In this regard, Yan Yuejin pointed out that in the current relaxation of the purchase policy, factors such as population fertility and family support will also be considered.
According to Li Yujia, the chief researcher of the Housing Policy Research Center of the Guangdong Provincial Planning Institute, the state's policy orientation for the birth of three children is to reduce the cost of birth, parenting, and education. willingness to consume.
Enterprises in many places can defer payment
Sino-Singapore Jingwei noticed that since May, Beijing, Changchun, Shenyang, Baotou and other cities have introduced support policies around the delay in payment of provident funds by enterprises and the failure of normal repayment of housing provident fund loans for employees.
Among them, the Beijing Housing Provident Fund Management Center pointed out that companies that are currently in difficulties can postpone their provident fund payments by applying online before the end of the year. Employees affected by the epidemic have not repaid their provident fund loans normally, and will not be overdue.
New latitude and longitude in the data map
The Changchun Provincial Direct Housing Provident Fund Management Sub-center proposed that units that have difficulties in paying and depositing housing provident funds due to the epidemic may apply for a postponement of housing provident fund payment or lower housing prices after a resolution is formed after the deliberation and approval of the unit's workers' congress, trade union or all workers' meeting. Provident fund contribution ratio (minimum 5%).
In addition, if the loan applied for at the Changchun Provincial Direct Housing Provident Fund Management Sub-center cannot be repaid on time due to the epidemic, it will not be processed as overdue, no penalty interest will be calculated, and it will not be reported to the credit reporting department as an overdue record.
The deadline does not exceed September 30, 2022.
Shenyang Housing Provident Fund Management Center revealed that for employees affected by the new crown pneumonia epidemic, during the period from March 23, 2022 to April 30, 2022, if the housing provident fund loan cannot be repaid normally, it will not be overdue, and no penalty interest will be charged. Does not affect personal credit.
It is worth mentioning that Shenyang also issued a notice earlier that enterprises affected by the new crown pneumonia epidemic can reduce the housing provident fund payment ratio to a minimum of 5%; enterprises with production and operation difficulties can delay the payment of housing provident fund or reduce the housing provident fund payment ratio. The minimum is 3%; the enterprise applies for the deferred payment and the reduction ratio to implement the commitment system.
Baotou Housing Provident Fund Center also mentioned that from June 1, 2022 to December 31, 2022, enterprises affected by the new crown pneumonia epidemic can apply for a deferral of housing provident fund payments. Withdraw and apply for housing provident fund loans.
The following month after the expiration of the deferred payment period, the deferred housing provident fund shall be repaid.
For employees affected by the new crown pneumonia epidemic who cannot repay their housing provident fund loans normally, they can apply for overdue processing.
What is the significance of deferral of provident fund?
In Li Yujia's view, the purpose of delaying the payment of social security, including provident fund, and postponing the repayment of provident fund loans is to stabilize market entities, stabilize jobs, boost market confidence, and fully protect private enterprises, low- and middle-income groups, and small, medium and micro enterprises.
Li Yujia said bluntly: "Stabilize these subjects to cope with the upcoming peak employment period. As the saying goes, if the green hills remain, you are not afraid of running out of firewood. As long as the market subjects are still there and the jobs are still there, the employment groups can be absorbed and shared. Overcome the difficulties." (Sino-Singapore Jingwei APP)
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