The latest policy of Changzhou provident fund to buy a house 2022

If you purchase a house and withdraw the housing provident fund, you can withdraw the housing provident fund within 2 years after the purchase, with the purchase procedures or vouchers filed by the real estate transaction or real estate registration department and the invoices and deed tax payment vouchers issued by the tax department. The total amount withdrawn should not exceed the amount paid at the time of purchase. Before the settlement of the housing provident fund loan, the balance of the deposit account of the borrower (including the borrower who has issued the loan certificate in different places and handled the loan in other housing provident fund management institutions) and his spouse can only be used to repay the principal and interest of the housing provident fund loan, and shall not be withdrawn for other reasons.

The "New Deal" will reduce the down payment ratio of the second set of housing provident fund loans, increase the maximum loan amount, and increase support for high-end talents such as doctors and masters under the age of 35.

The first is to reduce the down payment ratio of the second housing provident fund loan. The minimum down payment ratio was lowered from 50% to 30%.

The second is to increase the maximum loan amount. If one of the loan applicants meets the requirements, the maximum loan amount will be raised from 300,000 yuan to 600,000 yuan, and if two or more applicants meet the requirements, the maximum loan amount will be raised from 600,000 yuan to 900,000 yuan.

The third is to increase support for high-end talents. For doctors who enjoy the double subsidy conditions for young talents, when applying for housing provident fund loans for the first time, if the loan applicant has no record of using housing provident fund to purchase houses, the maximum loan amount can be increased to 6.5438+0.2 million yuan; Master students under the age of 35 who apply for housing provident fund loans for the first time meet the loan conditions and the borrower has no record of using housing provident fund to purchase houses, and the maximum loan amount can be increased to 700,000 yuan. If other borrowers meet the loan conditions, the maximum amount can be raised to 6,543,800 yuan.

If citizens have policy questions or need to apply for housing provident fund loans, they can call the service hotline 12329. At the same time, during the epidemic prevention and control, please pay attention to personal protection, handle the housing provident fund business in an orderly manner, and don't get together.

Legal basis:

Regulations on the administration of housing provident fund

Article 3 The housing accumulation fund paid by individual employees and the housing accumulation fund paid by the unit where employees work for employees belong to individual employees.

Article 5 The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of self-occupied housing by employees, and no unit or individual may use it for other purposes.

Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.

The risk of housing provident fund loans shall be borne by the housing provident fund management center.

Twenty-seventh applicants for housing provident fund loans shall provide guarantees.