What are the policies for independent deposits and application for provident fund loans?

"I want to establish a housing provident fund account and pay the housing provident fund to facilitate the loan when buying a house in the future. How can the housing provident fund pay for the housing provident fund? What policies can be enjoyed after paying it as required?" Recently, our city in our city The "Implementation Rules of the Taxation Subsidy for House Purchase in 2022" was introduced. On August 5th, Mr. Liu, an individual industrial and commercial households with willingness to buy a house, called the hotline of this newspaper 3909990 consultation.

The reporter learned from the Municipal Housing Provident Fund Center that the city has opened a housing provident fund independent deposit households, individual industrial and commercial households, migrant workers, and freelancers in the city, and can deposit housing provident funds independently with stable economic income. After handling the provident fund independent payment, the contributor must pay the housing provident fund that the monthly payable to pay for the monthly registered bank account in accordance with the agreement in accordance with the agreement. If disconnected payment occurs, the period will be re -calculated from the normal deposit month, and the balance will accumulate. The monthly adjustment month for the housing provident fund deposit base will be adjusted in July each year. The lower limit of the deposit base of the independent depositor will be adjusted accordingly according to the average social salary of the previous year. If the deposit base of the autonomous payment is lower than the lower limit of the new year deposit base, the system will automatically adjust the minimum deposit amount of the year. Therefore, the contributor must pay attention to the adjustment policy of the housing provident fund deposit base in time and make corresponding adjustments. In accordance with the newly adjusted housing provident fund deposit standards in July this year, the monthly deposit base of independent deposits is 17055 yuan, and the maximum monthly deposit amount is 4094 yuan; The lower limit is 568 yuan. According to the relevant national regulations, the end of the housing provident fund on June 30 each year, the payment and the provident fund that the deposits in the past year and the re -transfer of the previous year are calculated at a time -annual interest rate and transferred to the personal account. Income tax.

At present, the city's individual account opening and payment of housing provident fund has achieved "one certificate". The depositor can be handled in the municipal housing provident fund service hall with only the ID card. When applying for an independent deposit account, you must provide a deduction bank account (how to choose the deduction bank, and you can consult the housing provident fund staff).

In accordance with the relevant policies of the housing provident fund in our city, the independent depositors who pay the housing provident fund for more than 6 months in full and continuously deposit and continuously deposit the housing provident fund. When buying a self -occupied house, as long as the relevant loan regulations and the information are complete, you can apply for a loan of commercial bank loans during the same period during the same period. Interest rate discount housing provident fund loans. When applying for a housing loan, the loan amount and the loan period will be approved according to the actual situation of the depositor. If the depositer applies for a housing provident fund loan when buying a house, in the case of eligible conditions, he can sign the contract repayment business, reaches the monthly deposit amount to the monthly repayment amount, and reduce the pressure on user loan repayment. It should be reminded that the city's independent deposit policy is only for employees who work in Jiaozuo's administrative area and issue salary normally. The independent depositors should ensure that their personal information is true, otherwise, even if a provident fund account is opened and the deposit is deposited, it cannot be deposited. Apply for housing provident fund loan business. If the housing provident fund loan has been handled, the housing provident fund must be paid in accordance with the account opening agreement in accordance with the account opening agreement, and the deposit base and arrears cannot be reduced. Under the conditions that meet the relevant extraction regulations, independent deposit employees can perform the balance of provident fund accounts. If the independent depositor will no longer pay, after half a year of the payment procedures, the housing provident fund balance in the account can be withdrawn.

Reported by Liang Zhiling, a reporter from Jiaozuo Daily

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