What is the new policy of Lishui Provident Fund?
The first is to increase the maximum amount of employee housing provident fund loans. Employees apply for housing provident fund loans for the first time to buy the first set of self-occupied housing, and the maximum amount of double-paid employees is increased from 800,000 yuan to 6,543,800 yuan; The maximum amount of a single deposit of employees is raised from 400,000 yuan to 600,000 yuan. If an employee applies for a housing provident fund loan for the second time or buys a second set of self-occupied housing, the maximum amount of dual-paid employees will be raised from 600,000 yuan to 800,000 yuan; The maximum amount of a single deposit employee is raised from 300,000 yuan to 500,000 yuan.
Second, increase support for housing provident fund for families with many children. If the same couple meets the national policy of giving birth to two children and three children, the housing provident fund loan will rise by up to 20%. If the same couple meets the national policy of having two or three children, the withdrawal limit will rise by 50%.
Third, increase the loanable amount of employee housing provident fund. Within the maximum amount of individual housing provident fund loans, the actual loanable amount of the loan applicant is adjusted to 20 times from not exceeding 10 of the average monthly balance of the housing provident fund accounts of both husband and wife of the loan applicant in the last 12 months (including the month of applying for loans).
Four, improve the housing provident fund loan guarantee amount. Focusing on the "* * * rich and poor", we will support the loan demand of new citizens and young people, and adjust the guarantee amount of housing provident fund loans in the city to 300,000 yuan per household.
Five, support the monthly withdrawal of housing provident fund to repay commercial loans. The borrower and spouse may apply to entrust the housing provident fund management institution to withdraw the housing provident fund on a monthly basis to repay the principal and interest of the commercial bank housing mortgage loan handled by the Lishui housing provident fund trustee bank.
Lishui's provident fund policy has been adjusted in many aspects, including the maximum amount of housing provident fund loans and the loanable amount of housing provident fund, which has increased the support for buyers. In the short term, many areas will adjust their housing provident fund policies according to their own provident fund use.