The Regulations of Nanjing Municipality on the Management of Housing Provident Fund approved by the 25th meeting of the Standing Committee of the Tenth Provincial People's Congress will be implemented on June 5438+1 October1day next year. In addition to the fact that employees can withdraw the provident fund year by year or month to repay the principal and interest of housing loans, other humanized provisions have been added to the regulations. According to relevant persons from the Provident Fund Center, the Regulations have added provisions to take care of vulnerable groups in terms of extraction. Such as subsistence allowances, serious illness, older laid-off, emergencies, etc., the provident fund can be withdrawn for designated housing consumption. Specifically, they enjoy the minimum living guarantee for urban and rural residents and their family life is seriously difficult; I, my spouse and their immediate family members have serious difficulties in family life due to major diseases; Unemployed for more than two years in a row, and male employees are over 45 years old and female employees are over 40 years old, and family life is seriously difficult; Four types of families, such as serious difficulties in family life due to other emergencies, can apply for withdrawing the storage balance in their housing provident fund accounts.
In addition, if low-income families use provident fund loans to buy affordable housing, they will be given loan interest subsidies, which is equivalent to giving preferential treatment on the basis of low interest, which means that low-income families will pay less interest than before. Last year, Beijing also implemented a discount policy for provident fund, stipulating that after buyers apply for discount loans, the provident fund management center will subsidize the part where the commercial loan interest rate is higher than the provident fund loan interest rate; The subsidy amount can no longer be higher than the difference between the benchmark interest rate and the provident fund interest rate. Experts from Nanjing Provident Fund Center revealed: "Nanjing's policy will be different from that of Beijing Provident Fund, and interest subsidies will be implemented. The management center is communicating with the departments of civil affairs, labor and social security, and the Federation of Trade Unions for the specific operation methods for low-income households to apply for interest subsidies, and will operate in accordance with the accreditation standards of relevant departments. "