Parents can withdraw housing provident fund to support their children’s house purchase!
Recently, Tianjin housing provident fund management center issued the notice on issues related to the withdrawal of housing provident fund for the purchase of the first set of housing and indemnificatory housing. It is clear that if employees use the personal housing loan of commercial banks to purchase houses, one of the borrowers and their spouses and parents can withdraw the housing provident fund at one time on the down payment. If an employee purchases a house with a personal housing accumulation fund (portfolio) loan, the borrower and the parents of both spouses can withdraw the housing accumulation fund at one time on the down paymentP align = “center” with prerequisites
According to the notice, if an employee purchases a house without using a housing loan, one of the buyers, his spouse and both parents can withdraw the housing provident fund at one time from the fully paid housing fund. The withdrawal amount shall not exceed the amount of housing provident fund before (including) the month when the house purchase contract or agreement is signed, and the total amount shall not exceed the house purchase price. Among them, the purchase of affordable housing for targeted resettlement shall not exceed the amount of the purchased housing price after deducting the housing compensation.
If an employee purchases a house with a personal housing loan from a commercial bank, one of the borrowers, his spouse and both parents can withdraw the housing provident fund at one time from the down payment. The withdrawal amount shall not exceed the amount of housing provident fund before (including) the month when the house purchase contract or agreement is signed, and the total amount shall not exceed the down payment of the house purchase. Among them, the purchase of affordable housing for directional resettlement shall not exceed the amount of the down payment after deducting the housing compensation.
If an employee uses a personal housing accumulation fund (portfolio) loan to purchase a house, the borrower and the parents of both spouses can withdraw the housing accumulation fund in a lump sum from the down payment. The withdrawal amount shall not exceed the amount of housing provident fund before (including) the month when the house purchase contract or agreement is signed, and the total amount shall not exceed the down payment of the house purchase. Among them, the purchase of affordable housing for directional resettlement shall not exceed the amount of the down payment after deducting the housing compensation.
The notice emphasizes that employees who purchase their own houses in Tianjin and meet one of the following conditions can withdraw the housing provident fund according to this notice: first, those who purchase affordable houses or limited price commodity houses; Second, I and my spouse have no house under their name and no housing loan record. They buy commercial housing or private property housing. In addition, if the housing provident fund is withdrawn according to the provisions of this article, the extractor and his spouse shall not bear the loan debt of individual housing provident fund (portfolio).
According to the National Bureau of statistics, in February, the sales price index of new commercial housing in Tianjin increased by 0.1% month on month and 1% year-on-year. The sales price index of second-hand houses increased by 0.2% month on month and 0.8% year-on-year.
Agency data show that at present, the average unit price of commercial housing in Tianjin is 26000 yuan / m2. The trend of house prices among districts is relatively differentiated. Among them, the average price in Heping District was 67512 yuan / m2, an increase of 4.86% month on month; The average price in Hexi District was 36372 yuan / m2, an increase of 2.08% month on month; The average price of Nankai District was 33469 yuan / m2, down 1.57% month on month; The average price in Binhai New Area was 15687 yuan / m2, down 3.45% month on monthP align = “center” multiple adjustment of provident fund policy
According to incomplete statistics by the reporter of China Securities Journal, since 2022, nearly 20 cities, including Fuzhou, Zhuzhou, Beihai and Ziyang, have issued provident fund regulation policies. The contents of regulation and control mainly include increasing the loan amount of provident fund, reducing the loan proportion, moving the withdrawal time forward, etc. Some regions have also played a “combined fist” in the adjustment policy of provident fund.
Ziyang housing provident fund management center in Sichuan Province recently issued a document pointing out that the loan amount should be increased. If both husband and wife of the employee family pay the housing provident fund, the maximum loan amount is Shanghai Pudong Development Bank Co.Ltd(600000) yuan; If an employee family unilaterally pays the housing provident fund, the maximum loan amount is 400000 yuan. High level talents uniformly introduced and recognized by the organization and human resources and social security departments, with a maximum loan of 700000 yuan. Reduce the proportion of down payment. Employees buy new commercial houses (including future houses and existing houses), which are the first set of ordinary self occupied houses, and the minimum proportion of down payment is 20%; For two sets of improved housing, the minimum down payment ratio is 30%. The purchase of re traded housing is the first set of ordinary self occupied housing, and the minimum down payment ratio is 30%; The minimum down payment ratio for two sets of improved housing is 40%.
Zhang Dawei, chief analyst of Zhongyuan Real estate, said that employees can withdraw the provident fund when they buy a house. Most of the previous policies were withdrawn after buying a house. Recently, some cities can withdraw it when they buy a house in advance. The relaxation of the provident fund regulation policy has eased the pressure on home buyers and is conducive to market stability.
