Housing provident fund can give priority to the loan demand of employees to buy the first set of self-occupied housing on the premise of ensuring the withdrawal of paid employees. So, what are the new changes in Baotou's provident fund loan policy? There have been some changes in the loan and withdrawal of provident fund. The new loan policy (1) expands the scope of housing provident fund withdrawal and loan applicants. Expand the scope for employees to apply for housing provident fund withdrawal and loans from families with the same household registration to all family members, including themselves, spouses and their parents, and children. (two) to extend the application for housing provident fund withdrawal and loan validity. The validity period for employees to apply for housing provident fund withdrawal and loans with commercial housing sales contracts will be extended from 1 year to 3 years and 4 years for high-rise houses; The validity period of holding the real estate license is extended from one year to two years. The validity period of transferring commercial loans to housing provident fund loans and paying off commercial housing loans to withdraw housing provident fund is extended from 1 year to 2 years. (3) Relax the application conditions for housing provident fund loans. The time limit for employees to apply for housing provident fund loans is adjusted from continuous full deposit 12 months to 6 months. Housing provident fund deposit in different places and less than 6 months in our city and has been transferred to our city, the deposit time can be combined. (four) to increase the maximum amount of housing provident fund loans. The maximum amount of housing provident fund personal housing loans will be raised from 600,000 yuan to 800,000 yuan, and the loan period will be extended to 5 years after employees retire, with a maximum of 30 years. (five) the introduction of housing provident fund loans in different places. Workers or spouses who deposit household registration in our city, pay housing provident fund for employment in other places, and buy self-occupied housing in our city may apply for housing provident fund loans. (6) relax the criteria for determining repayment ability. Increase the repayment ability coefficient of the borrower from 40% of the borrower's family wage income to 60% (7) Increase the loan amount of housing provident fund. The purchase of property rights and underground parking spaces in the same residential area as the purchase of housing by employees will be included in the approved scope of housing provident fund loan amount. New Deal for Withdrawal of Provident Fund (1) Expand the scope of applicants for withdrawal of housing provident fund. Expand the scope of employees applying for the same household registration to withdraw housing provident fund to all family members, including themselves, spouses and their parents, and children. (two) to extend the validity of the provident fund for the purchase application. The validity of the Commercial Housing Sales Contract for employees to apply for housing provident fund is extended from one year to three years for multi-storey houses and four years for high-rise houses; The validity period of holding the real estate license is extended from one year to two years. The validity period of transferring commercial loans to housing provident fund loans and paying off commercial housing loans to withdraw housing provident fund is extended from 1 year to 2 years. (3) Carry out annual hedging loan repayment business. Workers who have not paid off the housing provident fund loans can withdraw the housing provident fund once a year to repay the principal and interest of the loans in that year. (four) to carry out employee rental business. Employees who have paid the housing provident fund in full for three months in a row, and their spouses and minor children with the same household registration (18 years old or younger) who have no own housing or rented housing in our city, can withdraw the housing provident fund once a year to pay the housing rent. (five) to carry out the business of withdrawing provident fund for serious illness. Workers without housing provident fund loans to provide their own or family members with a diagnosis certificate, which belongs to the scope of serious illness stipulated by the autonomous region or the invoice of out-of-pocket hospitalization medical expenses that occurred in that year exceeds 20,000 yuan (including 20,000 yuan), can apply for the withdrawal of housing provident fund. Tip: The changes of Baotou provident fund loan policy mainly focus on loans and provident fund withdrawal. The limited period of provident fund loans has been extended, and the maximum loan amount has been increased accordingly. In addition, housing provident fund loans from different places have also been introduced.

Second, Baotou Second Suite Provident Fund Loan Policy

Baotou is a funny name. I knew it before, but I didn't know it was like this under your government.

As long as the following conditions are met, you can apply for provident fund loans: (1) Only employees are eligible to apply for housing provident fund loans, and employees who have not participated in the housing provident fund system cannot apply for housing provident fund loans.

(2) If you participate in the housing provident fund system, you must also meet the following conditions to apply for a housing provident fund personal housing loan: that is, you must pay the housing provident fund continuously for not less than 6 months before applying for the loan. (3) One spouse applied for housing provident fund loans, but failed to obtain housing provident fund loans again. (4) When applying for a housing provident fund loan, the loan applicant must have a relatively stable repayment ability, and there are no other debts that have not paid off the repayment ability of the housing provident fund loan. (5) Self-raised funds for housing provident fund loans of 20% or more (local regulations are different) (6) Applicants for housing provident fund loans should agree to apply for loan guarantees, and your situation should meet the loan conditions. In fact, you can consult the gold management center, which is the most correct way.

Third, the new regulations of Baotou medical insurance?

Payment period of medical insurance for urban and rural residents

In 2023, the centralized payment of medical insurance for urban and rural residents in Baotou City will be from September 26, 2022 to April 25, 2023, and the insurance payment procedures will not be handled after the deadline.

2.2023 Residents' payment standard

The individual payment standards for urban and rural residents (including former urban residents and farmers and herdsmen), school students, preschool children and newborns are unified as 380 yuan; The individual payment standard for non-local residents who hold the residence permit of this Municipality is 380 yuan;

Before the founding of People's Republic of China (PRC), party member, poor dependents, orphans and children who were actually left unattended, did not participate in employee medical insurance, and fully funded insurance;

The individual payment standard for urban and rural low-income households, unstable poor households, marginal poor households and families with sudden serious difficulties included in the monitoring scope of rural low-income population is 1 14 yuan;

The payment standard for individuals who are out of poverty and not included in the scope of medical assistance is 190 yuan.

3. Enjoy medical insurance benefits for urban and rural residents.

Urban and rural residents, preschool children and newborns who pay insurance during the centralized payment period enjoy the treatment from 2023 10/to February 2023 1;

Students who pay insurance premiums during the centralized payment period are entitled to the treatment from September 1 day to February 3 1 day, 2023.

Four, Baotou city housing provident fund bank policy down payment of 20% standard.

20% down payment can be made under 90 square meters.