It will be implemented on October 8! The latest notice of Hefei Provident Fund Center! – 上海后花园论坛|爱上海419论坛|上海龙凤419|上海品茶网

Notice on further optimizing the use policy of housing provident fund

All relevant units and depositors:

In order to conscientiously implement the decision-making arrangements of the CPC Central Committee and the State Council, continuously improve the service level, further optimize the use policy of housing provident fund in our city, and better facilitate the people, benefit the people and benefit the people, relevant matters are hereby notified as follows:

First, housing provident fund loans

1. Support the purchase of residential green buildings.If the depositor uses the provident fund loan to purchase one-star and above residential green buildings (new commercial housing), the maximum loanable amount will rise by 20%, and the loan amount after the rise shall not exceed the upper limit standard of the corresponding grade loan amount stipulated by our city.

2. Adjust the loan calculation base.To support the rigid demand of new citizens and young people to buy houses, if the depositor of Hefei housing provident fund buys the first self-occupied house in our city, the withdrawal amount of renting a house in our center will be included in the balance of the provident fund account to calculate the loan amount.

3. Extend the loan life of second-hand houses.The longest loan period of the second-hand housing provident fund is 30 years, and the sum of the loan period and the housing period is no longer than 60 years. The down payment shall not be less than 20% of the house price if the house life is less than 10 years; The down payment shall not be less than 30% of the house price if the house age is more than 10 years and less than 20 years; If the house has a service life of more than 20 years and less than 30 years, the down payment shall not be less than 40% of the house price; If the house has a service life of more than 30 years and less than 40 years, the down payment shall not be less than 50% of the house price; The housing age is subject to the real estate license or the relevant materials of the real estate department.

Second, the housing provident fund extraction

1. Launch the service initiative of "free withdrawal" for repayment of provident fund loans, commercial loans and portfolio loans.The frequency of loan repayment withdrawal will be relaxed from once a year to once a month, and the depositor can withdraw the provident fund at any time when the accumulated withdrawal amount does not exceed the actual principal and interest of the loan.

2. Expand the scope of support for installing elevators.The support scope of the withdrawal policy of the depositor’s withdrawal of provident fund for installing elevators is relaxed to the installation of elevators in the self-occupied houses of himself, his spouse and his parents.

3. The depositor can apply for withdrawal of provident fund according to different withdrawal types every year.If the depositor’s family provident fund loan is not settled, it shall be implemented according to the original policy.

This policy shall come into force as of October 8, 2023.

Hefei housing fund management center

September 28, 2023

Policy Interpretation of "Notice on Further Optimizing the Use Policy of Housing Provident Fund"

First, the introduction background and basis

In order to conscientiously implement the decision-making arrangements of the CPC Central Committee and the State Council, continuously improve the service level, and further optimize the use policy of housing provident fund in our city, so as to better facilitate the people, benefit the people and benefit the people.

First, the Regulations on the Development of Green Buildings in Anhui Province was adopted at the 29th meeting of the Standing Committee of the 13th People’s Congress of Anhui Province on September 29th, 2021 (hereinafter referred to as the "Development Regulations"), which came into effect on January 1st, 2022. Article 33 of the Development Regulations clearly states that "(5) If the housing provident fund loan is used to purchase green buildings with a grade higher than the minimum standard, the maximum amount of the provident fund loan can be increased by 20%, and the specific proportion can be determined by the district. The second is to implement the requirements of the Notice of the Ministry of Commerce and other 13 departments on Several Measures to Promote Household Consumption (Shang Consumption Fa [2023] No.146), and continue to support residents in old urban communities to withdraw housing provident fund for the renovation of self-occupied housing such as installing elevators.

Second, the significance and overall consideration of formulation

First, increase the support for the rigid demand of new citizens and young people to buy houses, promote the development of green buildings, further achieve the overall consideration of saving resources, reducing carbon emissions, promoting carbon neutrality, promoting the construction of ecological civilization, and improving the living environment, and constantly adapt to the needs of the current housing provident fund business development, which is of great significance to the continuous realization of system optimization. The second is to enhance the basic role of consumption in economic development, and continue to support the extraction of housing provident fund from old urban communities for the renovation of self-occupied housing with elevators. Third, continue to support depositors in the use of housing provident fund to better facilitate, benefit and benefit the people.

Third, the process of judgment and drafting

In July, 2023, our center organized the research on the use policy, and in August, we drafted the Notice on Further Optimizing the Use Policy of Housing Provident Fund, which was reviewed and approved by the director’s office meeting of the center, and the public consultation was completed in the column of "Comments on Normative Documents" in the official website of the center.

Fourth, the work objectives

After the introduction of the policy, it will better reflect the role of housing provident fund protection and make the policy of using housing provident fund more convenient, beneficial and beneficial to the people; Further realize the housing provident fund loan support for the rigid demand for new citizens and young people to buy houses and the development of green buildings, and promote the continuous development of green buildings.

V. Main contents

(A) housing provident fund loans

1. Support the purchase of residential green buildings. If the depositor uses the provident fund loan to purchase one-star and above residential green buildings (new commercial housing), the maximum loanable amount will rise by 20%, and the loan amount after the rise shall not exceed the upper limit standard of the corresponding grade loan amount stipulated by our city.

Interpretation:First, the relevant materials or star certificates of green buildings are provided by the development enterprises, and the sub-centers and management departments are responsible for the access of green buildings in their respective regions according to the principle of territorial management; Second, the purchased housing needs to be a new commercial housing that meets the one-star and above standards for green buildings; Third, after floating up, the loan amount shall not exceed the upper limit of the loan amount of the corresponding grade stipulated by our city, that is, if both the borrower and the spouse have paid the housing provident fund in full for more than six months in accordance with the regulations, the maximum provident fund loan amount is 550,000 yuan, the maximum provident fund loan amount for the first set of first-time housing loans is 650,000 yuan, and the maximum provident fund loan amount for the first set of first-time housing loans for families with many children is 750,000 yuan; If the borrower unilaterally pays the housing provident fund according to the regulations, the maximum provident fund loan amount is 450,000 yuan, the maximum provident fund loan amount for the first set of housing loans is 550,000 yuan, and the maximum provident fund loan amount for the first set of housing loans for families with many children that meet the policy is 650,000 yuan; Fourth, the specific quota calculation examples are as follows:

Within the maximum loan amount, the borrower’s specific loan amount is linked to its repayment ability and deposit balance. When purchasing a new commercial housing with a standard of one star or above within the maximum loan amount, the specific loan amount is determined according to the low value calculated by the following two formulas:

A: The sum of the monthly wage income of the borrower’s husband and wife who have paid the housing provident fund ×12 months× repayment ability coefficient× actual loanable years× 120%.

B: (deposit balance in the borrower’s provident fund account × deposit time multiple+deposit balance in the borrower’s spouse’s provident fund account × deposit time multiple) ×120%.

In the above calculation formula, if the borrower is unmarried or the spouse fails to pay the housing provident fund normally, the monthly wage income of the housing provident fund is limited to the borrower unilaterally.

Example 1: Both husband and wife make normal deposits, and there is no rent withdrawal. The deposit base is 1,900,2100 yuan respectively, and the deposit balance when applying for loans is 15,000,5000 yuan respectively. The continuous deposit time is more than 2 years and less than 1 year respectively. The borrower is 28 years old. The house currently purchased is a one-star green building standard and meets the relevant conditions for housing provident fund loans.

A = (1900+2100) × 0.5× 12× 30× 120% = 864,000 yuan;

B = (15,000× 20+10,000 (less than 10,000 is counted as 10,000 )× 10 )× 120% = 480,000 yuan.

The actual loan amount is determined by the low value calculated by double hook, and the final actual loan amount is 480,000 yuan, and the longest loan period is 30 years.

Example 2: Both husband and wife make normal deposits, and there is no rent withdrawal. For non-family with many children, the deposit base is 2,585,2000 yuan, and the deposit balance is 15,000,13,000 yuan when applying for loans. The continuous deposit time is more than 2 years, and the borrower is 28 years old. Now the first set of newly-built commercial housing purchased for the first time is a two-star green building standard.

A = (2585+2000) × 0.5× 12× 30× 120% = 990360 yuan;

B = (15,000× 20+13,000× 20 )× 120% = 672,000 yuan.

The actual loan amount is determined by the low value calculated by double hook, and shall not exceed the upper limit standard of the corresponding grade loan amount stipulated by our city. The final actual loan amount is 650,000 yuan, and the longest loan period is 30 years.

Interpretation:First, it is necessary to meet the conditions for purchasing the first set of self-occupied housing in our city. Specifically, the loan undertaking bank takes the results of the house search of the loan applicant and the co-owner’s family (including himself, spouse and minor children) in the real estate registration department of the place where the house is purchased as the identification standard, and there is no other house except the house to be purchased by the housing provident fund loan. Second, the amount of the eligible depositors renting houses in our city is merged into the deposit balance to calculate the specific loan amount of the housing reserve, and the amount of the rental reserve is automatically merged and calculated by the business system; Third, the specific quota calculation example is as follows:

Example: Both husband and wife make normal deposits, with the base of deposit of 1,900 yuan and 2,100 yuan respectively. When applying for a loan, the balance of deposit is 500 yuan and 1000 yuan respectively, and the continuous deposit time is more than 2 years and less than 1 year respectively. The borrower is 28 years old, and the borrower rents a house and withdraws 19,000 yuan, and the withdrawal amount of this house is 11,000 yuan. The spouse draws 10,000 yuan from renting a house and 10,000 yuan from this house, which is now the first housing loan for families with many children.

A=(1900+2100)×0.5×12×30=720000 yuan;

B = (500+19000+11000) × 20+(1000+10000+10000) × 10 = 820000 yuan.

The actual loan amount is determined by the low value calculated by double hook, and the final actual loan amount is 720,000 yuan, and the longest loan period is 30 years.

3. Extend the loan life of second-hand houses.Second-hand housing provident fund loan housing life within 10 years, the down payment is not less than 20% of the house price; The down payment shall not be less than 30% of the house price if the house age is more than 10 years and less than 20 years; If the house has a service life of more than 20 years and less than 30 years, the down payment shall not be less than 40% of the house price; If the house has a service life of more than 30 years and less than 40 years, the down payment shall not be less than 50% of the house price; The housing period is subject to the property ownership certificate or relevant materials of the real estate authorities, and the sum of the loan period and the housing period shall not exceed 60 years at the longest.

Interpretation:Housing accumulation fund loans can be applied for existing houses with a house age of less than 40 years. The longest loan period is not more than 30 years, and the sum of the loan period and the house age is not more than 60 years. Examples are as follows:

Both husband and wife paid the deposit normally, and there was no rental withdrawal. The deposit base was 1,900,2100 yuan, and the deposit balance was 15,000,30,000 yuan when applying for a loan. The continuous deposit time was more than 2 years and less than 1 year, respectively. The borrower was 28 years old. Now it is the first time to buy a stock house with a housing age of 32 years, with a total housing price of 1.2 million yuan and a down payment of 600,000 yuan.

A=(1900+2100)×0.5×12×30=720000 yuan;

B = (15,000× 20+30,000× 10) = 600,000 yuan.

The actual loan amount is determined by the low value calculated by double hook, and the final actual loan amount is 600,000 yuan, and the longest loan period is 28 years.

(B) housing provident fund extraction

Interpretation:Before the loan is settled, the depositor can apply for withdrawing the provident fund to repay the principal and interest of provident fund loans, commercial loans and portfolio loans once a month.

Interpretation:Increase the extraction range of installing elevators in existing houses. If elevators are newly installed for existing houses with ownership in Hefei, their children and their spouses may apply for withdrawal of provident fund. The accumulated withdrawal amount is not greater than the actual paid expenses for installing the elevator.

Interpretation:If the depositor’s family has no outstanding provident fund loans in our center, and meets other relevant conditions stipulated in the Measures for the Administration of Housing Provident Fund Extraction in Hefei, the depositor can apply for withdrawing the balance of the housing provident fund account according to different types every year.

VI. Innovative measures

First, the housing provident fund loan support policy is adopted for green building housing for the first time; Second, for the first time, the rental withdrawal of our center will be included in the calculation of the balance of housing provident fund deposit; The third is to support the repayment of provident fund loans, commercial loans and portfolio loans. The fourth is to expand the scope of elevator extraction support to install elevators in the self-occupied houses of oneself, spouse and parents; Fifth, the depositor can apply for withdrawal of provident fund according to his actual situation every year according to different withdrawal types.

VII. Safeguard measures

(a) 12329 housing provident fund hotline to provide relevant business advice.

(2) Loan-related forms can be accessed on the website of gjjzx.hefei.gov.cn. Click on the corresponding items through the "Anhui Government Service Network-Hefei Provident Fund Center Window" in the lower right corner of the webpage, select the application materials, and download and use them in the sample materials. At the same time, offline loan acceptance outlets also provide relevant forms.

(3) Eligible depositors can directly handle the withdrawal business through online channels such as Wanshitong, or through offline outlets.

Eight, the next step

The Notice will be implemented as of October 8, 2023. First, housing provident fund loans will be provided to meet the requirements of green residential buildings. The second is to support eligible depositors to handle all kinds of withdrawal business in accordance with the provisions of the Notice.

Policy consultation

1. Extraction policy

Hefei housing fund management center jichuchu

Contact: Li Yuncai

Contact: 0551-62670938

2. Loan policy

Hefei housing fund management center fangdaichu

Contact: Liu Zhilong

Contact information: 0551-62630410

Hefei housing fund management center

September 28, 2023