Just now, Zhongshan Provident Fund issued the "Notice on Implementing the Down Payment Policy for Employees to Purchase New Commercial Housing and Withdraw Housing Provident Fund" on the official WeChat account.
Full text of the notice:
Most salaried employees:
In order to support the demand for rigid and improved housing, promote the virtuous circle and healthy development of the real estate industry, and improve the convenience for employees to use the housing provident fund, the employees in our city will be paid to buy new commercial housing in our city, and my spouse and I can withdraw the balance of the housing provident fund account to pay the down payment, and the total withdrawal amount shall not exceed the down payment amount agreed in the commercial housing sales contract.
I hereby inform you.
Zhongshan housing fund management center
June 5(th), 2022
Interpretation of the policy of implementing employees' purchase of new commercial housing and withdrawal of housing provident fund to pay down payment
First, the purpose of policy formulation.
In order to support the demand for rigid and improved housing, improve the convenience of using housing provident fund, and reduce the pressure of down payment funds for employees who buy houses, Zhongshan Housing Provident Fund Management Center (hereinafter referred to as "City Provident Fund Center") has continuously deepened the reform of examination and approval of housing provident fund business, continuously promoted the "zero-run" of housing provident fund services, benefited enterprises and facilitated people, and implemented the policy of employees purchasing new commercial housing and withdrawing housing provident fund to pay down payment.
Second, answer the question.
ask
What conditions do employees need to meet when purchasing new commercial housing, withdrawing housing accumulation fund and paying down payment?
answer
Meet the following conditions, employees (including * * * property owners) and their spouses can apply to the city provident fund center to withdraw the balance in the housing provident fund account to pay the down payment for house purchase:
(1) The paid workers in this city purchase first-hand commodity housing in the administrative area of Zhongshan City.
(2) The real estate development enterprise that purchased the commercial house has gone through the formalities of real estate registration in the municipal provident fund center, and signed the Letter of Commitment on assisting the buyer to withdraw the provident fund to pay the down payment.
(3) Employees choose commercial loans or housing provident fund loans (including portfolio loans) to purchase houses.
ask
Where can employees apply for withdrawal of housing provident fund to pay down payment?
answer
After employees or their spouses sign the letter of intent to purchase houses, they may entrust real estate development enterprises to apply to the municipal provident fund center for withdrawing housing provident fund to pay the down payment for purchasing houses.
ask
How to reduce the burden of buying houses when employees buy new commercial houses and withdraw housing provident fund to pay down payment?
answer
Withdrawing housing provident fund to pay down payment can reduce employees' use of their own funds to pay down payment and ease the pressure of buying houses. If the husband and wife buy a newly-built commercial house, the total balance of their provident fund accounts exceeds 300,000 yuan, and the total purchase price is 1.2 million yuan, and a down payment of 360,000 yuan is required. After withdrawing the housing provident fund to pay a down payment of 300,000 yuan, they only need to pay a down payment of 60,000 yuan with their own funds, which greatly reduces the burden of employees buying houses.
ask
What is the difference between choosing housing provident fund loans (including portfolio loans) and choosing commercial loans when employees buy new commercial housing and withdraw housing provident fund to pay down payment?
answer
Employees or their spouses apply for withdrawal of housing provident fund to pay the down payment for house purchase. If housing provident fund loans (including portfolio loans) are used to purchase houses, the approved loanable amount of the housing provident fund loans shall be deducted from the down payment paid in the housing provident fund account (if employees fail to withdraw the housing provident fund to pay the down payment, the amount of housing provident fund loans shall be calculated according to the current policy).
ask
Is it paid to the employee's personal account when the employee purchases the newly-built commercial house, withdraws the housing accumulation fund and pays the down payment?
answer
No, the city provident fund center will transfer the funds to the real estate development enterprise account after the audit.
ask
Can employees apply for housing provident fund to pay down payment when purchasing new commercial housing?
answer
Employees and their spouses apply for withdrawal of housing provident fund to pay the down payment for house purchase, which needs to be handled by themselves, and others may not do it on their behalf.
ask
Can employees who deposit in different places apply for withdrawal of housing provident fund to pay down payment?
answer
No, because the employee housing provident fund account paid in different places is not in our city, our center can't deduct the balance of its provident fund account, so buying new commercial housing and applying for withdrawal of housing provident fund to pay the down payment only support local employees.
ask
Workers or spouses who have outstanding housing provident fund loans can apply for the purchase of new commercial housing and withdraw housing provident fund to pay the down payment?
answer
You can't. According to the current housing provident fund withdrawal policy, only the property involved in the housing provident fund loan can be applied for withdrawal before the housing provident fund loan is settled.
Remarks: Matters not covered in this agreement shall be subject to the announcement of Zhongshan Housing Provident Fund Management Center.
Source: Zhongshan Provident Fund