According to the regulations of Yantai Provident Fund Center:
Yantai further relaxed the policy of housing provident fund loans and withdrawals, and increased financial support for the majority of paid employees in terms of housing expenditure. The specific policies are as follows:
The first is to relax the loan period of provident fund and ease the pressure on employees to buy houses.
In order to alleviate the monthly repayment pressure of loan workers, increase the loan amount that loan workers can apply for, and increase the policy support for employees to buy houses, Yantai City relaxed the loan period of housing provident fund to the legal retirement age of loan applicants. After the loan period is increased, the deposit employees can apply for more provident fund loans without changing the deposit base, which further relieves the deposit pressure of the house buyers.
Two, extend the time limit for the withdrawal of provident fund and expand the scope of employee withdrawal.
In order to better carry out the withdrawal of housing provident fund, give full play to the social benefits of provident fund funds, and meet the urgent needs of the majority of paid employees to withdraw the balance of provident fund accounts. After the introduction of the New Deal, if employees buy self-occupied housing and do not apply for individual housing loans from housing accumulation fund, the withdrawal scope will be adjusted from "employee himself, spouse and unmarried children" to "employee himself, spouse, parents and children", and the withdrawal time will be adjusted from "one-time withdrawal after obtaining the specified purchase certificate 1 year" to "one-time withdrawal after obtaining the specified purchase certificate".
Three, to carry out new provident fund withdrawal business, expand the benefits of the housing provident fund system.
The center actively explores the extraction of property fees and special maintenance funds on the basis of extending the time limit for withdrawal of provident fund and expanding the scope of employee withdrawal; After paying the special residential maintenance funds, employees and their spouses will withdraw the housing provident fund at one time after issuing the special receipt for the special residential maintenance funds, and the withdrawal amount will not exceed the total amount of the special residential maintenance funds paid. The introduction of the new withdrawal policy will benefit all workers' families who own their own houses and effectively expand the coverage of the housing provident fund system.
Extraction conditions of housing provident fund
The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of owner-occupied housing by employees, and no unit or individual may use it for other purposes.
First, take a one-time payment to buy owner-occupied housing workers, housing provident fund should be provided (choose one):
1. Original and photocopy of the house purchase contract or agreement; Original and photocopy of the invoice for the full amount of the house purchase; Original and photocopy of employee ID card; Joint provident fund card or salary card
2. The original and photocopy of the household registration book; Original and photocopy of the invoice for the full amount of the house purchase; Original and photocopy of employee ID card; Joint provident fund card or salary card
Two, employees use loans to buy self-occupied housing, should provide housing provident fund (choose one):
1, original and photocopy of the loan contract; Original and photocopy of the house purchase contract; Original and photocopy of the down payment invoice and loan invoice for house purchase; Original and photocopy of ID card; Joint provident fund card or salary card