The housing accumulation fund has a wider range of extraction and use.
First of all, you can withdraw the housing provident fund to pay the property management fee. Workers can apply for withdrawal of housing provident fund with housing ownership certificate (or "commercial housing sales contract" filed by real estate management department) and proof of payment of property management fee.
Second, you can withdraw the housing provident fund to pay the housing maintenance fund. Workers can apply for the withdrawal of housing provident fund with the "Commercial Housing Sales Contract" and the housing maintenance fund payment voucher filed by the real estate management department within five years, and the withdrawal amount is fully extracted according to the actual expenditure of the housing maintenance fund.
Third, you can withdraw the housing provident fund to pay for the basic decoration costs of your house. Workers can apply for housing provident fund with the commercial housing sales contract and the purchase price (or purchase receipt) filed by the real estate management department within five years. If the balance in the housing provident fund account is insufficient, you can also withdraw the housing provident fund of your spouse, parents and children. The loan amount of housing provident fund has been increased and the loan conditions have been further relaxed. The maximum amount of housing provident fund personal housing loan in Xuchang City has been raised from 400,000 yuan to 500,000 yuan.
At the same time, in order to increase the amount of employee loans, the monthly repayment ability of individual housing loans of housing provident fund has been approved, and the monthly repayment amount (including various commercial loans) has been adjusted from 60% of the monthly income of both husband and wife of the borrower to 70%. For senior professional and technical personnel introduced from Xuchang City, newly recruited college graduates from financial supply units, and resettled demobilized cadres, the loan conditions are relaxed, and they are not limited by the deposit period of housing provident fund. As long as you register to open an account, you can apply for a housing provident fund personal housing loan.
In the next step, the center will strengthen the propaganda of the New Deal and release the policy effect of the New Deal as soon as possible. Organize employees to seriously study and thoroughly understand the policy, improve service ability and work efficiency, and ensure the full implementation of the New Deal.