Relief

The reporter learned from the Cangzhou Housing Provident Fund Management Center that from now until June 30, 2023, Cangzhou City's depositor employees paid the "deposit and loan linked" policy when calculating the amount of housing provident fund loans.

According to the staff of the Cangzhou Provident Fund Center, from now until June 30, 2023, the units that meet the municipal housing provident fund loan conditions to pay employees, when applying for a housing provident fund loan in the municipal housing purchase, the approve (Or borrower couple) Housing provident fund deposit time coefficient and account balance are linked. Top grid loan quota.

Taking a single employee who participated in the work as an example, without other liabilities, such as my monthly wage income (housing provident fund deposit base) reached 4,352 yuan. After 6 months of payment, the provident fund loan was applied to the execution of "deposit and loan linked" During the policy, due to the restrictions on its deposit balance and deposit time, it can only apply for a provident fund insured loan amount of 300,000 yuan. After suspending the implementation of the "deposit and loan link" policy, its loan amount can be loan to 600,000 to 600,000 Yuan. Taking the family to pay the family together with the husband and wife as an example, after 6 months of the housing provident fund loan conditions, without other liabilities, as long as the monthly wage income of both husband and wife reaches more than 5,840 yuan, you can apply for 800,000 yuan. Provident fund loan.

The introduction of this policy is the main benefit of young people with new work, short housing provident fund deposit time, and small account balance. Through calculation and analysis, the Municipal Provident Fund Center has suspended the implementation of the "deposit and loan hook" policy, which can allow most units of Cangzhou to pay employees to enjoy the highest loan amount of the provident fund. At the same time, increasing the amount of housing provident fund loans of employees in the unit can reduce the amount of commercial loans in port loans in the combination loan, thereby reducing the interest expenses of house purchase.

It is understood that Cangzhou City began to implement the "deposit and loan link" policy on March 31, 2017. The "deposit and loan linked" policy refers to the employee when applying for a housing provident fund loan, its loan -available amount and housing provident fund deposit time and account balance The longer the hook, the higher the deposit time, the higher the account balance, and the higher the amount of the loan available. The purpose is to balance the right to deposit and the right to use loans, while maintaining balanced funds to achieve sustainable development. Because this policy is a phased policy, after the expiration of the end of June next year, the Cangzhou Provident Fund Center will adjust the housing provident fund loan policy accordingly according to the situation.

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