Adjustment of Ji'nan provident fund management policy: balance between the balance and the quota
27 days, the municipal government news conference was held to inform the Ji'nan housing provident fund management center "the implementation of the guidance of the provincial government office on improving the fund management system to expand housing cancellation fees." "". The reporter learned that Ji'nan formally abolished the restrictions on the household registration of foreign loans in the province. The non Ji'nan household registration staff in other cities in the province were buying ordinary self living housing in Ji'nan, and they could apply for housing provident fund loans to the Ji'nan provident fund center. Moreover, the ceiling of provident fund loan quota has increased by 100 thousand yuan, and it can borrow 600 thousand yuan at most. The implementation measures will be implemented in October 15th.
balance is linked to quota flexibility.
"implementation method" has not abolished the balance with the balance, but increased the way of calculating the loan amount. Formula one: the loan amount of the provident fund = (the borrower's housing provident fund account balance common repayment of the housing accumulation fund account balance) x 15 Formula Two: the amount of the provident fund = the loan amount of the borrower can be repaid by the borrower or the common repayment person provident fund loan amount = the base number of the monthly deposit of my Provident Fund (the last 6 months flat) Average number x 12 x years of loan x 50% X.
Dong Baoke, director of Ji'nan housing provident fund management center, introduced the two calculation methods to take account of the interests of all kinds of workers. Young workers pay a short time, but because of the long loan period (most of the borrowers under 35 years of age can borrow 30 years), the loan amount naturally increases. According to formula two,
most young workers can make the loan amount reach the maximum limit in a short time of deposit. The workers who are older and pay longer can use the formula to determine the loan amount.
for example, the borrower's deposit base has reached the standard of 4375 yuan per month average monthly salary of the city. For 30 years, if the loan is calculated according to formula two, the maximum limit of one year can be borrowed to the maximum limit of 300 thousand yuan if the loan is only 189 thousand yuan according to the formula one. Borrower B has continuously deposited the accumulation fund for 20 years, the individual account balance of 100 thousand yuan, the provident fund monthly payment base (salary income) 5000 yuan, now 59 years old, the longest loan period of 6 years, according to formula two, only 180 thousand yuan if the formula one calculation, then can loan to the maximum of 300 thousand yuan.
increase the proportion of risk reserve extraction
according to the introduction, in order to improve the utilization rate of Ji'nan's full jurisdiction housing provident fund, Ji'nan has integrated power, railway and Jigang sub center funds into the unified management and overall use of the Ji'nan housing provident fund management center. In increasing risk prevention and control, the city has increased the punishment of fraud and fraud, and raised the proportion of the risk reserve, from 1% of the loan balance to 2%. Moreover, the security red line has been set up. When the housing provident fund loan rate is over 85%, the municipal housing provident fund management committee will adjust the housing provident fund policy in time to ensure the sustainable and healthy development of the housing provident fund business.
as of the end of July 2015, Ji'nan has accumulated a total of 92 billion 940 million yuan for housing accumulation fund, 45 billion 430 million yuan for housing accumulation fund, 46 billion 350 million yuan for individual housing provident fund loans, and a total of 2 billion 460 million yuan of low rent housing supplementary funds.
the maximum amount of loans raised to 600 thousand yuan
the maximum family loan amount increased from 500 thousand yuan to 600 thousand yuan. The number of workers who deposit the housing provident fund increased from 200 thousand yuan to 250 thousand yuan.
Ji'nan is not a registered permanent residence in Ji'nan. It can also apply for
to deposit provident fund in other cities in the province. Even if it is not Ji'nan's household registration, it can also apply in the city.
> first suite down payment ratio to 20%
if the first suite for public loan, down payment to 20% if it is two suites, but the first suite has paid off the public loan, the first payment can be paid 30%.
lending period extended to 5 years after retirement
the housing provident fund loan period extended to 5 years after the statutory retirement age of the borrower.
can extract the "family" provident fund
one person to buy self housing, not only to extract their own provident fund, but also to extract the provident fund of parents, parents, children and spouses.
: rent extraction do not lease contract
continuous full payment of housing provident fund for 3 months. As long as there is no room proof in the name of the spouse and spouse, the housing provident fund can be extracted to pay the rent. The husband and wife can extract the house once a year, each time the maximum can be extracted 7200 yuan.
each year can raise 1000 yuan to pay the property fee
the employee can withdraw the housing fund once a year to pay for the ordinary self occupied housing property fee. Each person can only apply for the extraction once a year, and the amount of each withdrawal shall not exceed 1000 yuan.