1. What are the new housing provident fund policies this year? Legal and objective: Article 25 of the "Housing Provident Fund Management Regulations" When employees withdraw the balance in the housing provident fund account, the unit where they work shall verify it and issue a withdrawal certificate.

Employees should apply to the Housing Provident Fund Management Center to withdraw housing provident funds with the withdrawal certificate.

The Housing Provident Fund Management Center shall make a decision on whether to approve the withdrawal or not to allow the withdrawal within 3 days from the date of accepting the application, and notify the applicant; if the withdrawal is approved, the entrusted bank shall handle the payment procedures.

Article 26 of the "Housing Provident Fund Management Regulations" Employees who have paid housing provident funds may apply for housing provident fund loans from the Housing Provident Fund Management Center when purchasing, constructing, renovating, or overhauling their own homes.

The Housing Provident Fund Management Center shall make a decision on whether to grant a loan or not within 15 days from the date of accepting the application, and notify the applicant; if the loan is granted, the entrusted bank shall handle the loan procedures.

The risks of housing provident fund loans are borne by the housing provident fund management center.

2. Provident Fund adjustment plan for 2021?

What are the new adjustments to the Provident Fund in 2021?

1. Adjustments to the provident fund payment base in many places. The provident fund payment base is generally adjusted once a year. Recently, many regions have announced adjustment plans for the provident fund payment base in 2021. Some areas have raised the upper limit of the payment base, but some areas have lowered it.

The upper limit of the deposit base is as follows: 1. It is understood that most areas have raised the upper limit of the deposit base, but the proportion of deposits has basically remained unchanged. The main places that have raised the upper limit of the deposit base are Shenzhen, Guangzhou, Shaoguan, Zhongshan,

Chaozhou, Foshan, Kunming, Liuzhou, Fuzhou, Changchun, Yulin, Zhengzhou, Yancheng, Xi'an, Chongqing, etc.

2. At present, the housing provident fund payment base is mainly lowered in Dali Prefecture, Yunnan. The payment base in 2020 was 24,729 yuan, and in 2021 it was lowered by 87 yuan to 24,642 yuan.

3. From a long-term perspective, raising the upper limit of the provident fund contribution base means that employees’ wages may be reduced, but their provident fund account balances will increase, and the loan amount will be increased when they purchase a house with a loan in the future.

2. Some areas have relaxed the conditions for withdrawing provident funds. In the past, the withdrawal of housing provident funds was generally used for the purchase, construction, renovation, overhaul of self-occupied housing and the repayment of the principal and interest of housing loans. However, now some areas have relaxed the conditions for withdrawing provident funds: 1. Withdrawing provident funds

In 2020, some areas encourage the withdrawal of housing provident funds to pay rent. Currently, in 2021, some areas also implement the policy of withdrawing housing provident funds when renting a house, such as Chongqing, Tianjin, etc. As for Tianjin, if there are employees

If you and your spouse have outstanding personal housing provident fund loans, you cannot withdraw the housing provident fund; if you and your spouse rent two or more houses at the same time, you can only apply to withdraw the housing provident fund for one of the houses.

2. Withdrawing provident funds to pay for medical expenses. Currently, Xi'an, Guangxi, Changsha and other regions support withdrawing provident funds to pay for medical expenses, but this must be done under the premise that medical insurance cannot pay and there is no other insurance protection, and the illness is a major illness, such as

For malignant tumors, major organ transplants, etc., if these two conditions are met, the provident fund can be withdrawn.

3. Withdraw provident funds for the renovation of old communities. It is understood that provident funds can also be used for the renovation of old communities in some areas, such as Tianjin, Taiyuan, Hohhot, Changchun, etc. These areas generally support the installation of elevators in existing residences and the withdrawal of housing provident funds.

, generally the total withdrawal amount is required to be within the balance of the housing provident fund account, and shall not exceed the individual share of the cost of installing an elevator in an existing residence.

3. Some regions implement mutual recognition and mutual lending of provident funds in different places. It is reported that many regions have carried out mutual recognition and mutual lending of provident funds in different places. For example, 8 cities including Shanghai, Hefei, Suzhou and other cities have implemented pilot projects for one-stop processing of provident funds in different places. Housing provident funds have been implemented in many places in Henan.

Through cross-provincial administration, Beijing will promote the integration of housing provident funds in the Beijing-Tianjin-Hebei region, so that it will be more convenient for employees to purchase and rent houses in the future.

3. What are the housing provident fund policies? Calculate how much it will cost to decorate your home. In order to improve the quality of life, many people often consider buying a house.

Among them, what are the provident funds that employees of the unit can use? Many home buyers know very little about it, so let’s take a look together! First, the first house is generally less than 90 square meters, and the down payment must not be less than 20% of the house price. If it exceeds 90

If it is flat, it shall not be less than 30% of the house price, and the down payment for the second house shall not be less than 60% of the house price; second, an individual can borrow up to 400,000, and if both husband and wife have provident funds, the maximum loan can be 600,000, if there is supplementary public funds;

Third, as long as the previous provident fund loan is paid off, the second loan will be held for three houses.

If you use the provident fund to purchase your first house, and the area exceeds 90 square meters, the down payment ratio must not be less than 3% of the feedback, and it will be calculated as 20% of the house price.