It is mentioned in the notice that the State Administration Center will improve the housing provident fund withdrawal business, promote the commitment system for provident fund withdrawal, greatly simplify the process and materials for provident fund withdrawal, and facilitate the withdrawal of residents' provident fund. From September 1 day, the situation of full loan, retirement withdrawal and non-first withdrawal of buying a second-hand house in Beijing has been simplified, and the "zero material" withdrawal of the provident fund can be realized.
People who lose weight by withdrawing part of the provident fund can enjoy the "zero material" withdrawal.
It is understood that the circular classifies the materials extracted from the purchase of housing by employees in Beijing as "slimming" to the greatest extent. After "slimming down", those who buy commercial housing (second-hand housing) with the largest business volume in Beijing withdraw housing provident fund (the withdrawal business volume accounts for about 60% of the total withdrawal), and employees can realize "zero materials" through identity verification.
At the same time, for the housing provident fund withdrawal business such as retirement withdrawal and non-first withdrawal, "zero materials" have been realized. The comprehensive housing provident fund is withdrawn in all cases, and the overall materials are reduced by 80%.
The registration materials for provident fund deposit have also been simplified.
According to the introduction of the State Administration Center, units that implement the registration of "three certificates in one, one photo and one yard" only need to fill out the Application Form for Housing Provident Fund Account Opening Registration and declare the unified social credit code when going to the Provident Fund Center for registration of housing provident fund deposit, and do not need to submit materials such as business license of enterprise legal person.
After the unit has set up a housing provident fund account at the bank outlet, it will no longer submit the registration form of digital certificate user information to the provident fund center, and the provident fund center will mail the key of the online business hall of the unit housing provident fund to the unit.
The circular pointed out that the State Administration Center encourages units to give full play to their organizational advantages and the role of housing provident fund management institutions and specialized management personnel, and concentrate on housing provident fund business to further facilitate the work of employees. This notice shall be implemented as of September, 2065438 1 day.
Let's review the main purposes of provident fund withdrawal:
Use 1: buying a house
After purchasing a house, the purchaser can provide the purchase contract, invoice, real estate title certificate, the relationship certificate between the extractor and the purchaser, the extraction certificate issued by the unit where the provident fund is located, the application form, the applicant's ID card and other materials to extract the provident fund.
Use 2: renting a house
In addition to buying a house, renting a house to withdraw the provident fund also needs to provide an ID card, a rental contract, and go to the management center to handle the next deposit commitment letter. The provident fund management center will strictly review the payment commitment letter, and then withdraw the provident fund for renting a house.
Use 3: Retirement or resignation
When employees leave their jobs or reach the statutory retirement age, they can apply to the unit for a one-time withdrawal. When withdrawing the provident fund, it shall provide the withdrawal application form signed by the original unit, the certificate of termination of labor relations with the unit, the certificate of the location of the original account or the certificate of account migration, ID card, etc.
Use 4: decoration and large-scale housing construction.
The provident fund paid by individuals can be used to build and transform their own houses. This kind of construction usually refers to the overhaul, renovation and reconstruction of houses. Before withdrawing the provident fund, it needs to be reviewed, and the property ownership certificate and the materials of the extractor need to be provided.
Of course, these are just a few important uses of provident fund. In other cases such as serious illness and catastrophe, you can withdraw the actual provident fund.
How is the provident fund loan for buying a house in Beijing stipulated?
Beijing provident fund loan interest rate for buying a house
20 15, 10 adjust and implement the current provident fund loan interest rate. The interest rate of provident fund loans for more than five years is 3.25%, the monthly interest rate is 3.25%/ 12, and the annual interest rate of provident fund loans for less than five years is 2.75%, which is consistent throughout the country.
Beijing provident fund loan to buy a house
The longest term of provident fund loans shall not exceed 30 years. For portfolio loans, the loan conditions of provident fund loans and commercial housing loans must be the same.
Beijing provident fund loan purchase quota
For the purchase of policy housing or the first self-occupied housing with a construction area of 90 square meters or less, the maximum amount of personal loan for housing provident fund is 6,543,800 yuan+0.2 million yuan.
For individuals who own 1 house and have settled the corresponding housing provident fund loans, when applying for provident fund loans for purchasing a second ordinary self-occupied house, the maximum loan amount is 800,000 yuan.
Beijing provident fund loan down payment ratio for buying a house
According to the website of Beijing Housing Provident Fund Management Center, as long as borrowers who have no housing are shown in the ownership information inquiry system of the Municipal Housing Construction Committee, they can apply for provident fund loans in accordance with the first set of self-occupied housing loan policies, with a minimum down payment ratio of 20%.
For individuals who own 1 house and have settled the corresponding housing provident fund loans, when applying for provident fund loans when purchasing a second set of ordinary self-occupied houses, the second set of housing loan policy will be implemented, and the minimum down payment ratio will be 30%. According to the previous policy, the interest rate of buyers who purchase a second house with provident fund loans will rise by 10%.
Note: As the policy will be adjusted over time, the actual operation shall prevail.
(The above answers were published on 20 16-08- 17. Please refer to the actual situation for the current purchase policy. )
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