1. Reduce the interest rate of the first individual housing provident fund loan by 0. 15 percentage points, and adjust the interest rates for less than 5 years (including 5 years) and more than 5 years to 2.6% and 3. 1% respectively. The interest rate of the second set of personal housing provident fund loans remains unchanged, that is, the interest rates for less than 5 years (including 5 years) and more than 5 years are 3.025% and 3.575% respectively.
2. For loans issued before June 65438+ 10/in 2022, the adjusted interest rate will be implemented from June 65438+1 0/in 2023.
Second, in order to give full play to the important role of provident fund in supporting housing consumption and ensuring basic housing demand, a new method for extracting housing provident fund for cadres and workers in municipal departments formulated by Weinan Municipal Finance Bureau has been implemented. In the future, cadres and workers who have paid the provident fund of the municipal departments will have simpler handling procedures, broader extraction conditions, greatly shortened extraction time and more humanized service methods.
It is clearly stipulated that all cadres and workers of municipal departments who meet the extraction conditions apply for withdrawal of provident fund, and fill out the Approval Form for Withdrawing Housing Provident Fund of Weinan Administrative Institutions (hereinafter referred to as the Approval Form); The financial personnel of the unit will submit a copy of the Approval Form and related materials to the Provident Fund Management Center of the Municipal Finance Bureau for approval. The entrusting bank will directly transfer the provident fund into the personal account according to the Approval Form audited and sealed by the Municipal Finance Bureau.
In addition to the simplification of the process, the Municipal Finance Bureau relaxed the conditions for employees of municipal administrative institutions to withdraw housing provident fund in June 5438+ 10 last year. Meet one of the following conditions, you can withdraw the housing provident fund in its balance:
First, employees can buy, build, rebuild, overhaul and decorate their own houses, and they can withdraw their personal accounts, spouses, children and parents' housing provident funds;
Second, if employees have housing loans, they can withdraw housing provident fund for repayment;
Third, employees can withdraw the housing provident fund (including interest) in full when they are transferred, retired or die;
Fourth, if I and my spouse do not own a house and rent a house, they can withdraw the husband and wife housing provident fund to pay the rent;
Fifth, employees can withdraw housing provident fund to pay for housing consumption in terms of maintenance funds and property fees;
Sixth, if I, my spouse and immediate family members have serious difficulties in family life due to major diseases or emergencies, they can withdraw the housing provident fund.
Legal basis:
Article 15 of the Regulations on the Management of Housing Provident Fund, if a unit employs employees, it shall go to the housing provident fund management center for deposit registration within 30 days from the date of employment, and go to the entrusted bank for the establishment or transfer of employee housing provident fund accounts with the audit documents of the housing provident fund management center.