Qingdao adjusts the application conditions for provident fund loans: you can apply for continuous deposits for six months

On the 23rd, the Qingdao Housing Provident Fund Management Center issued the "Notice on Further Strengthening Support for Both Rental and Purchase and Optimizing the City's Housing Provident Fund Policy Measures". The notice clarified the adjustment of the application and deposit conditions for provident fund loans and the Relevant regulations on housing provident fund loans for second-hand housing.

1. Optimize the provident fund loan policy and ensure the basic housing needs of employees

(1) Adjust the application and deposit conditions for provident fund loans. The payment standard for employees applying for personal housing provident fund loans has been adjusted from the requirement that employees have established a housing provident fund account for 365 days and have made continuous normal deposits in the past 12 months when applying for a loan, to the requirement that employees have established a housing provident fund account for half a year and have made continuous normal and full deposits when applying for a loan. If the housing provident fund balance is more than 6 months (inclusive), you can apply for a personal housing provident fund loan.

(2) Adjust the relevant provisions on housing provident fund loan age for second-hand housing. If employees apply for personal housing provident fund loans to purchase second-hand houses, the sum of the loan period and the age of the house will be adjusted from a maximum of 30 years to a maximum of 50 years. The requirement that the age of the house is linked to the down payment ratio will be cancelled, and the down payment ratio will no longer be increased step by step based on the age of the house.

2. Extensively carry out provident fund cooperation and support both rental and purchase through multiple channels

(1) Carry out the "affordable housing one thing". Cooperate with the Municipal Housing Security Center to promote the digitalization of affordable housing management, simplify the procedures and materials for withdrawing housing provident funds to repay public rental housing rent, effectively alleviate the economic burden of employees, and achieve "zero errands" for the business of "renting public rental housing to withdraw housing provident funds".

(2) Support banks to use provident fund big data to carry out "lease loans". Cooperate with commercial banks to build a personal consumption credit loan platform, support commercial banks in using big data on housing provident fund deposits, and issue "lease loans" to qualified employees, focusing on solving the rental difficulties of new citizens, young people and other groups. (End)