What to do with the Housing Provident Fund: A full analysis of hot topics on the Internet in the past 10 days
As an important housing security system for employees, the housing provident fund has once again become the focus of heated discussions across the Internet recently. This article combines the hot spots across the Internet in the past 10 days to provide you with a structured review of the housing provident fund application process, the latest policies and frequently asked questions to help you make efficient use of this benefit.
1. The latest policy hot spots of housing provident fund in 2024
| policy direction | Highlights | Applicable cities |
|---|---|---|
| Expanded extraction range | Newly added situations such as renovating old communities and renting subsidies, etc. | Pilot projects in 28 cities including Beijing and Shanghai |
| Loan interest rates cut | The first home provident fund interest rate drops to 2.85% (more than 5 years) | National unity |
| Off-site loan facilitation | 11 urban agglomerations realize mutual recognition and mutual lending of provident funds | Yangtze River Delta/Pearl River Delta and other areas |
2. Guide to the whole process of housing provident fund application
1. Account opening conditions
| Person type | Materials required | Deposit ratio |
|---|---|---|
| Current employees | ID card + labor contract | 5%-12% (same ratio for units and individuals) |
| flexible employment | ID card + social security payment certificate | 10%-24% (optional) |
2. Comparison of processing channels
| Processing method | Processing time limit | Features |
|---|---|---|
| Offline counter | 1 working day | Need to line up on site |
| Government Service Network | Within 3 working days | Available 24 hours |
| Alipay/WeChat | Effective immediately | Only for some businesses |
3. Top 5 recent high-frequency issues
According to statistics from the consultation data of provident fund centers in various places:
| Ranking | Question type | solution |
|---|---|---|
| 1 | Post-employment provident fund processing | Can be archived/transferred/extracted (conditions must be met) |
| 2 | Rental withdrawal amount | Up to 3,000 yuan per month (proof of no house required) |
| 3 | Business-to-public loan | Commercial loan balance needs to be settled |
| 4 | Off-site loan materials | Proof of deposit required + household registration at the place of purchase |
| 5 | Early repayment liquidated damages | There is no penalty for provident fund loans |
4. Suggestions on the use of provident funds in 2024
1.Give priority to provident fund loans: Compared with commercial loans, a 30-year loan of RMB 1 million can save about RMB 280,000 in interest.
2.Utilize withdrawal policy: 8 new pilot cities allow withdrawal of down payment (account balance required to be retained)
3.Pay attention to dynamic adjustments: Starting from July, the payment base will be adjusted in many places, with the upper limit reaching a maximum of 38,000 yuan/month.
5. Service hotlines in major cities across the country
| City | Consultation hotline | online channels |
|---|---|---|
| Beijing | 12329 | Beijing Provident Fund APP |
| Shanghai | 12345 | Follow the application |
| Guangzhou | 12345 | Guangdong Province Affairs |
| Shenzhen | 0755-12329 | iShenzhen |
Housing provident fund policies are highly regional. It is recommended to check the latest details on the local provident fund official website or official APP before applying. Reasonable planning of the use of provident funds can significantly reduce the pressure on housing consumption. It is recommended that employees regularly pay attention to account changes and policy updates.
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