Lianyungang provident fund loan interest rate Lianyungang provident fund loan

Lianyungang housing accumulation fund

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1 Lianyungang housing provident fund deposit

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(1) Minimum deposit base. For the minimum deposit base of Lianyungang provident fund, it is not paid according to the minimum wage standard of Lianyungang, but the minimum deposit base of Lianyungang provident fund is higher than the minimum wage standard. According to a notice issued by Lianyungang Housing Provident Fund Management Center in 217, it stipulates that the minimum monthly deposit base of Lianyungang is 2,55 yuan.

(2) About the deposit ratio. As for the deposit ratio, Lianyungang has set two standards. One is the deposit standard of employees' provident fund in government agencies and institutions, and its provisions are uniformly paid according to the highest standard of 12%. There is also the proportion of housing provident fund paid by enterprises, which can vary from 5% to 12%, and the specific proportion can be decided by enterprises themselves. In addition, both institutions and enterprises must pay in the same proportion.

(3) Maximum deposit limit. Regarding the maximum deposit ceiling, the information given by official website of Lianyungang Housing Provident Fund Management Center states that it is calculated according to the average monthly salary of Lianyungang employees in 216 (the total salary is calculated according to the items listed in the total salary statistics according to the regulations of the National Bureau of Statistics), and the maximum deposit base is 16, yuan.

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2 Lianyungang housing provident fund inquiry

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(1) website inquiry. If employees who have paid the provident fund want to inquire about their own provident fund account information, they can do so through official website of Lianyungang Housing Provident Fund.

(2) telephone inquiry. The inquiry number of the national housing provident fund is 12329. If you want to inquire about the relevant information of Lianyungang housing provident fund, you can dial the area code of Lianyungang, that is to say, dial 518-12329 to inquire.

(3) SMS query. At present, Lianyungang has also opened a short message inquiry mode, and users can inquire by sending the "GJJ or DK" ID number to 5188551111.

(4) wechat query. Inquire by paying attention to "Lianyungang Housing Provident Fund". There is a "micro-net hall" column in the WeChat menu bar, which can be queried.

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3 Lianyungang provident fund loan

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(1) About the loan amount. According to the information released by official website, Lianyungang Housing Provident Fund Management Center, the maximum loan amount for a single person to use the provident fund is 3, yuan, and that for a double person is 6, yuan. However, the following two regulations must be met at the same time: the loan amount cannot exceed 15 times the balance of the provident fund account, and the loan amount cannot exceed 7% of the total house price (the second suite cannot exceed 6%).

(2) About the loan term. The maximum term for using the provident fund for loans is 3 years.

(3) the handling point of loan business. Lianyungang government stipulates that it shall be handled by the housing provident fund management center where the house is purchased.

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4 Lianyungang housing provident fund withdrawal

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The main provisions for the withdrawal of Lianyungang housing provident fund are similar to those of other provinces and cities, but there are two provisions that other provinces and cities do not have. One is that couples can apply for withdrawal of provident fund when they divorce, and the other is that they can apply for withdrawal of provident fund when they have an elevator in their house.

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Many places have intensively introduced housing purchase policies to regulate Lianyungang provident fund loans up to 1 million

In addition to Lianyungang (618), Jiangsu and even the whole country have continuously loosened policies on credit and housing purchase.

On August 9th, official website, Housing and Urban-Rural Development Bureau of Lianyungang City, Jiangsu Province, issued a Notice on Further Promoting the Healthy and Stable Development of Lianyungang Real Estate Market (hereinafter referred to as the Notice), which made a series of policy adjustments in the housing loan policy and the supervision funds for the pre-sale of commercial housing.

in terms of provident fund housing loans, during the period from July 1, 222 to December 31, 222, the maximum loan amount was raised from 3, yuan to 5, yuan if the borrower paid the housing provident fund unilaterally, and the maximum loan amount was raised from 6, yuan to 1 million yuan if both borrowers paid the housing provident fund normally. The maximum amount of personal housing provident fund loans for talents above Class C, talents above Class D, masters (or associate senior titles and senior technicians) and "double first-class" undergraduates will be relaxed to 1.2 million yuan, 1 million yuan and 7, yuan respectively. Both husband and wife can be superimposed. During the period, whether the employees' families who buy houses in this city own property rights or not, either parents or children can apply for housing provident fund loans as * * * with the borrower.

in terms of commercial loans, for families who own a house and have settled the corresponding housing loans, if they apply for loans to buy ordinary commercial housing again in order to improve their living conditions, banking financial institutions will implement the first home loan policy.

"This policy mentioned the increase in the amount of provident fund loans and the support for the demand for improved home purchase. Among them, all family members with clear policies can become the same borrowers of provident fund loans, which belongs to the category of' one person buying a house and helping the whole family'. The talented couples can use the new policy of provident fund quota, which also makes the ability of such groups to purchase houses continue to increase. In general, this is also a practice that will continue to be adopted in various places in the second half of the year, and it is still a characteristic of the financial assistance to the housing market. " Yan Yuejin, research director of the think tank center of Yiju Research Institute, analyzed the reporter.

In addition to Lianyungang, Jiangsu and even the whole country continue to loosen the policies on credit and house purchase.

New measures to guarantee delivery

The Notice has optimized the business environment of the real estate industry from three aspects, including the delayed payment of supporting fees for urban infrastructure, the downward adjustment of pre-sale standards and the introduction of a letter of guarantee system.

Among them, Article 5 of the Notice shows that part of the supervision funds for the pre-sale of commercial housing will be released by way of guarantee. On the basis of strictly implementing the supervision system of commercial housing pre-sale funds, real estate development enterprises apply for a commercial guarantee to release a certain amount of funds for the construction and operation of real estate projects, with an upper limit of 3% of the key supervision funds.

Yan Yuejin told reporters that the biggest innovation or something worthy of recognition is that the policy mentioned a sentence "on the basis of strictly implementing the supervision system of commercial housing pre-sale funds". This shows that the thinking of such policies is very clear. It is necessary to strictly implement the fund supervision system and find ways to release available funds. In other words, there should be a combination of rigidity and flexibility in the supervision of pre-sale funds at present. This kind of thinking in Lianyungang is worthy of recognition, and on the basis of strictly implementing the supervision policy of pre-sale funds, it encourages the practice of commercial guarantee.

a commercial letter of guarantee refers to a letter of guarantee issued by a powerful commercial organization other than a bank. Generally, a company letter of guarantee issued by a professional guarantee company is a credit guarantee for a commercial organization.

Prior to this, detailed rules for the supervision of pre-sale funds were recently issued in various places, including Suzhou, Hangzhou, Chengdu, Xi 'an and other cities. The new regulations on pre-sale funds in various places include how to determine commercial banks, the establishment of supervision accounts, how to determine the amount of supervision, how to use funds, how enterprises will be held accountable for illegal misappropriation, and how to clarify the respective rights and responsibilities of the three regulatory authorities. All the new regulations on the supervision of local pre-sale funds that have been published are clear: all pre-sale funds should be directly deposited into the supervision account and can only be used for the construction of pre-sale commercial housing.

for the buildings with potential risk of unfinished business, the above-mentioned Notice states: "For the real estate development projects that have been suspended for more than three months due to non-epidemic reasons, the county/district (management committee) governments should set up special working classes to implement the mechanism of" one plate, one policy "and coordinate the disposal within a time limit. For the real estate that has been delayed in the early stage, it is necessary to strengthen supervision and deal with the situation differently. If the situation is serious, measures such as requiring the building under construction to suspend construction without obtaining the pre-sale permit can be taken to ensure the delivery of the building. "

Yan Yuejin believes that this kind of practice is very pragmatic, that is, from the perspective of protecting the rights and interests of buyers, priority should be given to keeping some projects that have been pre-sold, while reducing the investment in other projects that have not been pre-sold, which will help to pool valuable funds and ensure the timely delivery of real estate.

Intensive control of cities in Jiangsu

In addition to Lianyungang, Jiangsu and even the whole country continued to loosen the policies on credit and house purchase. In May this year, Suzhou and Wuxi have already relaxed their purchase restrictions.

On August 8th, the Housing and Construction Bureau of Haimen District, Nantong City, Jiangsu Province and other six departments jointly issued "Several Opinions on Promoting the Stable and Healthy Development of the Real Estate Market", which included favorable policies in all aspects of the property market, such as lowering down payment, lowering interest rate, increasing loan amount and improving housing quality: the minimum down payment ratio for the first purchase is 2%, and the minimum down payment ratio for the second suite is 3%; The lower limit of the first home loan interest rate is LPR minus 2 basis points; The first home provident fund loan amount is relaxed to twice the previous amount, with a maximum of 8, yuan/household; Postgraduates or senior titles or above can apply for 1.6 million yuan/household provident fund.

at the same time, it also lightens the burden for housing enterprises. Appropriately reduce the proportion of bid bond for ordinary commodity housing land, and the proportion of bid bond will be reduced from 3% of the total price of transfer to 2%; Appropriately extend the payment period of land transfer fees for development projects, and adjust the settlement from one month to six months to half a year.

Nanjing, the capital of Jiangsu province, has also introduced new policies frequently since April this year, which not only relaxed the purchase restriction many times, but also loosened the property market by relaxing the purchase restriction, adjusting the provident fund purchase policy and increasing the number of houses purchased by families with many children. For example, in April, Nanjing changed the condition for non-local residents to apply for a house purchase from "they need to pay social security or individual tax for two or more consecutive years in Nanjing within three years, and they can't buy a house by paying individual tax or social security" to "they need to pay personal income tax or social security for six months in Nanjing within one year".

With regard to the provident fund, on May 19th, Nanjing Housing Provident Fund Management Center issued the Notice on Adjusting the Loan Amount for the First Use of Housing Provident Fund to Purchase the Second Housing Provident Fund, which clarified that from May 2th, 222, the maximum loan amount for the first use of housing provident fund to purchase the second home housing provident fund in Nanjing will be adjusted from the current 3, yuan/person and 6, yuan/household for both husband and wife to 5, yuan/person and 1, yuan/household for both husband and wife.

However, recently, it was circulated in Nanjing that "foreigners can purchase houses directly without social security". In response, on August 1, Nanjing Housing Management Department said that this was false information, all application requirements remained unchanged, and Nanjing did not fully liberalize the purchase restriction.

Lianyungang: families with many children can purchase the first suite, and the maximum loan for provident fund is 9, yuan

On January 5th, according to official website, the housing provident fund management center of Lianyungang City, in order to further promote the steady development of the real estate market in Lianyungang City, support the rigid and improved housing demand, and better play the role of housing provident fund in housing security, Lianyungang City, Jiangsu Province issued the Notice on Further Optimizing the Housing Provident Fund Loan Policy.

According to the New Deal, since January 1, 223, the application conditions for housing provident fund loans have been added. Workers who have no housing or only one set of housing under the family name can apply for provident fund loans. That is, the cumulative number of employee family housing provident fund loans is no more than one, and the number of housing units under the name of employee family is no more than one. In any of the above two cases, you can apply for provident fund loans.

At the same time, increase the amount of provident fund loans for families with many children to purchase the first self-occupied housing. Support families with many children who meet the national birth policy to improve their housing conditions. The maximum loan amount for families with two children who have paid the housing provident fund unilaterally will be raised to 4, yuan, and the maximum loan amount will be raised to 8, yuan if both borrowers pay the provident fund; The maximum loan amount for a three-child family whose borrower has unilaterally paid the housing provident fund will be raised to 45, yuan, and the maximum loan amount for both borrowers to pay the provident fund will be raised to 9, yuan.

Lianyungang Housing Provident Fund Management Center explained that "the maximum loan amount for two-child families who have paid the housing provident fund unilaterally by the borrower will be raised to 4, yuan, and for those who have paid the provident fund by both borrowers, the maximum loan amount will be raised to 8, yuan", which means that two-child families born after the country's full opening of the two-child policy on January 1, 216 can enjoy the increased loan amount for the two-child family provident fund when they purchase the first set of self-occupied housing. When applying for a loan, you need to provide proof of parent-child relationship such as the household registration book or birth medical certificate of the two children; Two children born before the country fully opened the two-child birth policy on January 1, 216 need to provide a two-child birth permit.

"The maximum loan amount for a three-child family whose borrower has paid the housing provident fund unilaterally will be raised to 45, yuan, and the maximum loan amount for both borrowers to pay the provident fund will be raised to 9, yuan" means that the three-child family born after the country fully liberalized the three-child birth policy on May 31, 221 can enjoy the increased loan amount for the three-child family provident fund after purchasing the first self-occupied housing. When applying for a loan, you need to provide proof of parent-child relationship such as the three-child household registration book or birth medical certificate. For three children born before the country fully liberalized the three-child birth policy on May 31, 221, you need to provide a three-child birth certificate.

In addition, we will continue to implement the policy of differentiated loans for talents. The maximum loan amount of individual housing provident fund for high-level talents who have obtained house purchase vouchers is 1 million yuan, 8, yuan and 5, yuan respectively. Both husband and wife can be superimposed.

The New Deal also proposes to extend the loan period of housing provident fund. The sum of the age of the borrower applying for housing provident fund loans and the loan period can be extended to 5 years after the statutory retirement age. The longest loan period is not more than 3 years.

Lianyungang provident fund loan repayment time

2th to 25th every month. Lianyun