Changsha Provident Fund "phased can be available"?What conditions should be met?The response is here!

Author:Changsha release Time:2022.08.10

Those who meet the "phased can be available" policy,

How to determine the extraction quota?

Is the amount of the rent extraction adjustment?

What is the amount of each extraction?

Native

Recently, many netizens posted questions to Changsha, 12329 Provident Fund Service Hotline and other platforms. The current Changsha Housing Provident Fund Management Center responded to hot issues as follows.

Hot issue response

Question: If the employee's family purchases the first house, is it in line with the "phased withdrawable loan" policy, does it require the time for extraction and loan to handle?

Answer: Yes. On the date of implementation of employee families (August 1, 2022) to December 31, 2022, the first -time "citic loan" policy is applied to the first suite. The time is subject to the time, the time of the second -hand house is based on the database time of the deed tax payment voucher.

Those who are in line with the "phased can be available" policy, applying for a house purchase extraction requires the application within 24 months from the date of the purchase of self -housing deed tax payment, and the house has been registered in the house management department.

Those who are in line with the "phased can be available" policy, apply for provident fund loans to apply for an application within 1 year of purchasing ordinary housing, to sign the "Commodity House Sale Contract" or the date of issuance of the "Guarantee Opinions".

Question: In accordance with the "phased loan" policy of the first home of the employee family, how to determine the extraction amount of the employee family loan and then quota?

Answer: If the same house of the employee family apply for a housing provident fund loan in our center, the total amount of the same house shall not exceed the first payment of the house. The husband and wife first withdrawn one party should ensure that the amount of repayment of the housing provident fund loan is 12 months before leaving the housing provident fund loan. The non -centers of housing provident fund loans, non -centers deposit employees, and the loan part of the central portfolio loan commercial bank's loan parts are not included in the deposit.

Question: If the employee family is in line with the "rent -to -purchase and purchase" policy, can the provident fund loan calculate the number of calculations, can they reduce the number of sets?

Answer: If the employee family confess to the rental housing that meets the city's "Pilot Implementation Plan for Promoting the Multi -Channel Supply of Multi -Channel Security Housing Housing in Changsha City", it provides the "Changsha Municipality Qualification Qualifications of Changsha City Housing and Urban -Rural Development Bureau" Changsha City Building Qualification Qualifications "Confirmation", the number of housing sets of employees can be reduced by one set.

Question: The maximum loan quota for the housing provident fund of the employees of the three -child employee has increased to 800,000. How can the "three -child family" be determined?

Answer: The employees of the three -child child should provide proof of parent -child relationship, such as the household registration book of the parents and the children of the children, and the medical birth certificate. After the divorced family, the recovery of the children who have or jointly have their children.

Question: Is the amount of the rent extraction of the rental? What is the amount of each extraction?

Answer: Yes. The employee withdrawn the rent of the housing provident fund, and the amount of each withdrawal must not exceed 50%of the actual remittance amount in the past year. The adjustment is "each withdrawal amount must not exceed the actual remittance amount of nearly one year."