Shenzhen plans to implement the "one -person home gang"

The provident fund withdrawal and new loan rules are publicly solicited for opinions, and spouses, parents, children, whether they have deposited the provident fund, can be used as a loan joint applicant

Text/Yangcheng Evening News all -media reporter Li Xiaoxu

Figure/Yangcheng Evening News all -media reporter Wang Lei

On July 6, the Shenzhen Municipal Housing and Urban Construction Bureau issued the "Notice on the Relevant Matters of the Housing Provident Fund withdrawal of the Housing Provident Fund (Draft for Soliciting Opinions)" and the "Shenzhen Housing Provident Fund Loan Management Regulations (Draft for Opinions)", and publicly solicited all sectors of society. Opinion. The reporter found that the new regulations have supplemented and improved the original withdrawal and loan policies, mainly including housing provident fund support for the transformation of old communities, optimizing non -Shenzhen households withdrawn, and expanding the scope of loan common applicants.

The renovation of the old community project can be applied for extraction

According to the relevant person in charge of the Shenzhen Housing Provident Fund Management Center, in order to help solve the problem of funds in the process of payment employees in the reconstruction of the old community, and promote the establishment of a co -owned mechanism for the renovation of the old community in Shenzhen, Shenzhen plans to add a provident fund withdrawal withdrawal withdrawal Situation: Support the employee withdrawal of housing provident funds for the transformation of the old community project. If the capital transformation is included in the house within the scope of the old community renovation project in Shenzhen, the spouse, parents, and children of the property owner and property owner can apply for the balance payment fee for the balance of the respective provident fund account.

It should be reminded that the extraction application must be submitted within three years after the completion and acceptance of the old community renovation project. The applicant can withdraw once a year within the actual capital contribution amount of the housing property owner. The total amount of extraction does not exceed the actual amount of the housing property owner.

Non -deep households are more convenient to cancel and withdraw from the provident fund

It is understood that Shenzhen's non -Shenzhen household pays the employees from Shenzhen and can apply for a cancellation of the provident fund account and extract all account balances. At present, after applying for extraction of employees, it is necessary to meet the suspension of social security for three months, or to handle basic pension insurance or basic medical insurance relationships to the successful procedures before withdrawing the account, and submit a long interval to apply for funding to the account. Extract new regulations to further adjust and optimize the conditions for handling. Employees who cannot handle basic pension insurance or basic medical insurance relationships will be transferred out of the continuation procedures. After 3 months of suspension of social security in Shenzhen, you can apply for withdrawal. Arrive. Employees can handle the business directly online after signing an online self -service application agreement, without having to apply in advance or return in advance.

The new rules are clear that employees who belong to the minimum living security edge of Shenzhen in Shenzhen are included in the scope of support for the withdrawal of housing provident fund withdrawals. Employees can apply for withdrawal of provident funds with the relevant certification of the edge of the minimum living security.

Loan joint applicant conditions relax

The current loan policy in Shenzhen stipulates that when employees apply for provident fund loans, their spouses, parents, and children can be used as a loan applicant. However, joint applicants need to pay the housing provident fund normally. According to the relevant person in charge of the Shenzhen Housing Provident Fund Management Center, the revision of the loan policy intends to further relax the application conditions. The applicant's spouse, parents, and children can be used as common applicants regardless of whether they have deposited housing provident funds. At the same time, it is clear that the applicant's spouse, parents, and children are buyers and should be used as co -applicants.

In order to prevent capital risks, the revision of this loan policy intends to add an evaluation requirements for the existing commercial housing (hereinafter referred to as the "second -hand housing") to the commercial loan, that is, the housing of the application for the transfer of the public loan is the second -hand housing, the original commerciality, the original commerciality The balance of housing mortgage loans should be lower than 70%of the total price of second -hand housing transactions as an important reference calculation.

If the amount of loan is not withdrawn for three years can float up

In addition, according to the regulatory requirements of the state, province, and municipalities on provident fund loans, the amendment of this loan policy is planned to check the scope of the provident fund loan inspection, and adjust the situation of the Shenzhen provident fund loan to verify the national provident fund loan. If there is a unreasonable provident fund loan in other cities, the provident fund loan cannot be repeatedly applied for. At the same time, according to Shenzhen's real estate regulation policy and related requirements, the reference price of second -hand housing transactions is used as an important reference to calculate the total price of the house, and this replace the assessment price of the original real estate assessment agency. The reference price of no second -hand housing transactions will be evaluated by evaluating the price Calculate the total price of the house.

In terms of loan amount, the "Shenzhen Housing Provident Fund Loan Management Regulations (Draft for Opinions)" states that the provident fund loan amount is the balance of the applicant's accumulated gold account balance or the applicant and the computing loan amount. 14 times. In addition, the maximum amount of loan applied alone is 500,000 yuan, and the maximum amount of joint application is 900,000 yuan. The applicant and the joint applicant who calculated the loan quota have not withdrawn the provident fund for more than three consecutive years before applying for provident fund loans, and its provident fund loan loan amount can float by 10%.

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