Beijing:
If the applicant provides the original contract and lease invoice of the leased commodity housing, it shall be withdrawn once every quarter from the date of approval, and the monthly withdrawal amount shall not exceed the monthly deposit amount or monthly rent of my housing provident fund. Unable to provide the rental commodity housing contract and rental invoice, from the date of approval, according to the standard of 1500 yuan every quarter.
Shanghai:
Lease of public housing, the monthly withdrawal amount of each household shall not exceed the actual rental expenditure of the month, and shall not exceed the storage balance in the applicant's housing provident fund account; For renting other houses, the monthly withdrawal amount of each household shall not exceed the actual rental expenditure of the month, and the maximum monthly withdrawal limit shall be 2000 yuan, and shall not exceed the storage balance in the applicant's housing provident fund account.
Guangzhou:
Renting a house for self-occupation and being able to provide rental filing certificates and invoices, the employee's first withdrawal of rent shall not exceed 6 months from the month of application; If you rent a house for self-occupation but can't provide the lease record certificate and invoice, you can apply for drawing 600 yuan/person/month to pay the rent.
Shenzhen:
The monthly withdrawal amount shall not exceed 50% of the amount payable in the month of application. If it is not extracted in the current year, it can be extracted in the following year.
In fact, it is not just first-tier cities such as Beijing, Guangzhou and Shenzhen. The Sino-Singapore Jingwei client consulted the relevant documents issued by the local housing and construction departments and provident fund management centers and found that many provinces in the country have clear restrictions on the rental quota for provident fund withdrawal.
For example, Inner Mongolia stipulates that couples who establish housing provident fund accounts have a maximum withdrawal amount of 8,000 yuan per person per year. Hainan stipulates that if the depositor rents commercial housing, the withdrawal amount shall not exceed the standard of 900 yuan/month/person (10800 yuan/year/person), and shall not exceed the actual rental expenditure of that year.
Can the extracted provident fund meet the rental demand?
Is the money withdrawn from the provident fund enough to pay the rent? The Study on Rent-to-Income Ratio of 50 Cities in China released in July shows that in June this year, the per capita housing rent in three cities was higher than 2,000 yuan/month, namely Beijing, Shanghai and Shenzhen, and the per capita housing rent in Guangzhou also reached 1.605 yuan.
According to the average rent level in different places, if citizens are not renting, or can't provide rental contracts, invoices and other certificates, the withdrawal amount of provident fund in first-tier cities such as Beijing, Guangzhou and Shenzhen is far from meeting the demand for renting.
Even if you can provide proof of rental contract, invoice, etc. , may not be able to meet the actual rental needs. Take Beijing as an example, the monthly withdrawal amount shall not exceed the monthly deposit amount or monthly rent of my housing provident fund. According to the data published in the Annual Report of Beijing Housing Provident Fund 20 16, in 20 16, 6,957,400 employees were paid into the provident fund, with the deposit amount of15021700 million yuan and the monthly deposit amount of Beijing provident fund of 1799.25 yuan.
As early as 20 15 and 1, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the Central Bank jointly issued a document requesting to relax the conditions for drawing housing provident fund to pay rent. Since the implementation of the policy for two years, the proportion of provident funds extracted from various places that can be used for renting houses is still not high.
According to the Annual Report of National Housing Provident Fund 20 16, in 20 16, the housing provident fund withdrawn by housing consumption accounted for 80.82% of that year's withdrawal. Among them, the purchase, renovation and overhaul of owner-occupied housing accounted for 33.60%, the repayment of principal and interest of housing loans accounted for 465,438+0.86%, the rental housing accounted for 3.65,438+03%, and others (such as the extraction of property fees, etc. ) accounted for 2.23%.
According to the 20 16 annual provident fund report, except Shanxi, which reached 20.64%, other provinces concentrated on 1%-3%, and the lowest was Tianjin, which was only 0. 16%.
In July this year 18, nine ministries and commissions, including the Ministry of Housing and Urban-Rural Development, issued the Notice on Accelerating the Development of Housing Rental Market in Large and Medium-sized Cities with Net Population Inflow, and selected Guangzhou, Shenzhen and other cities 12 to carry out the first batch of housing rental pilot projects. Among them, Guangzhou and Nanjing clearly put "lease-purchase with right" into the implementation plan.
On August 28th, the Ministry of Land and Resources and the Ministry of Housing and Urban-Rural Development issued the "Pilot Program for Building Rental Housing with Collective Construction Land", and decided to carry out the first batch of pilot projects for building rental housing with collective construction land in Beijing, Shanghai, Shenyang, Nanjing, Hangzhou, Hefei, Xiamen, Zhengzhou, Wuhan, Guangzhou, Foshan, Zhaoqing and Chengdu 13 cities.
For a time, the rental benefits continued, and the rental market also became the focus. In this case, some places began to introduce policies to simplify the procedures for withdrawing provident fund.
On August 9, Beijing issued a document to "slim down" business process materials such as provident fund withdrawal. Before simplification, renting a house needs to submit the commercial housing lease contract, lease invoice, social security payment certificate, withdrawal application form, withdrawal list and withdrawal record form. After simplification, you only need to provide the original and photocopy of the applicant's ID card and the application form for renting a house to withdraw the housing provident fund.
As early as May this year, Guangzhou issued a notice, in order to further simplify the procedures for renting a house to withdraw housing provident fund, since May 27th, employees who have no self-owned housing in Guangzhou and apply for withdrawing housing provident fund on the condition of renting a house for self-occupation do not need to provide proof of self-owned housing under the names of individuals and families.
(The above answers were published on 20 17-09-08. Please refer to the current actual purchase policy. )
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