Slow down loan interest rates to reduce the cost of buying a house; optimize the rental withdrawal process to help the people live in peace; many places support withdrawals from other places to facilitate citizens to buy houses; apply for zero materials, and handle business anytime and anywhere... Since this year, more than 20 cities across the country have successively introduced housing provident fund optimization and adjustment policies, reducing the cost and threshold of buying a house, and bringing great convenience to the people.

What are the new changes in the optimization and adjustment of housing provident fund in many places?

Since February, various places have intensively introduced housing provident fund optimization and adjustment policies. Cities such as Changsha, Jinan, and Dalian have increased the housing provident fund loan amount to varying degrees, with the maximum amount increasing by hundreds of thousands of yuan. In addition, the minimum down payment ratio has also dropped to 20%.

Liu Dan, director of the Policy Business Department of Changsha Housing Provident Fund Management Center, told reporters that for example, if a new house worth 1.5 million yuan, employees will apply for a provident fund combination loan, and the down payment can be reduced from the original 450,000 yuan to the current 300,000 yuan.

Tianjin, Yichang, Lanzhou and other places have clearly included flexible employment personnel such as individual business households and freelancers in the scope of housing provident fund payment. In principle, flexible employment personnel can also enjoy multiple rights and interests such as "commercial to public" and "multi-child family provident fund loan support policy".

In many places in Fujian, it is clearly supported to purchase houses within the province and withdraw them in other places. Xiamen, Putian, Nanping and other places also allow parents or children and other family members to use housing provident fund to purchase housing loans.

According to preliminary statistics, since this year, more than 20 cities across the country have issued relevant policies for the optimization and adjustment of provident fund.

How to withdraw housing provident fund to pay rent?

In fact, housing provident fund can also pay rent. The reporter learned that the requirements and methods of using housing provident fund to pay rent in various places are different. Let’s take Beijing as an example to see how to withdraw housing provident fund to pay rent?

November, Beijing launched a pilot program of direct housing provident fund payment, making it more convenient for many renters to withdraw.

"Direct rent payment" refers to the way in which the provident fund center transfers the housing provident fund that the depositor can withdraw from its provident fund account to the pilot housing rental agency account on a monthly basis based on the authorization and application of the depositor, which is used to pay rent.

Zhang Guowei, director of the Beijing Housing Provident Fund Management Center, told reporters that the coverage of direct rent payment this time is relatively comprehensive, including commercial housing, insurance housing, and public rental housing. This year, it will be promoted and implemented throughout the city according to the pilot effect.

At the same time, Beijing has been constantly refining the types of rental withdrawal matters. If it rents commercial housing and files and provides rental invoices on the "Beijing Housing Rental Management Service Platform" and provides rental invoices, it will be withdrawn in full based on the actual monthly rent. If the actual rent exceeds the monthly payment amount, it will be withdrawn in full based on the monthly payment amount.

Data shows that in recent years, the amount and number of housing provident fund rental withdrawals in my country have increased rapidly, and more than 15 million new citizens, young people and other contribution groups have been supported to withdraw housing provident fund to pay rent every year, of which more than 80% of them are young people under the age of 40.

How much do you know about housing provident fund?

Housing provident fund refers to long-term housing savings deposited by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social groups and their current employees.

Housing provident fund is affordable, so it is lower than the loan rate of commercial banks. Taking the current 1 million yuan for 30 years as an example, if it is the first home, the provident fund loan will pay nearly 60,000 yuan less interest than commercial loans in 30 years.

In terms of general purpose, housing provident fund is mainly used for housing consumption projects such as renting houses and buying houses. It can be used for purchase, construction, renovation, overhaul, and self-occupied housing. It cannot support the withdrawal of general decoration extraction.

According to data released by the Ministry of Housing and Urban-Rural Development, as of now, the number of employees who actually paid housing provident fund in my country has exceeded 170 million, and the contribution amount has reached 3469.769 billion yuan.

(CCTV reporter Cui Xia and Tan Zhenhua)