The provident fund is one of the important social security systems in the mainland, and its role is to reduce people's pressure to buy a house, so that everyone can buy their own house.
After entering 2024, a new round of provident fund adjustment has begun in many regions across the country, let's take a look:
.01
Nationwide base adjustments
Since the beginning of this year, many regions across the country have adjusted the provident fund contribution base according to their own actual conditions.
In Nanning, it is clear that the proportion of housing provident fund contributions of units and employees shall not exceed 12% and shall not be less than 5%. At the same time, the contribution ratio of the unit and the contribution ratio of the employee should be consistent. The implementation period of the adjusted contribution base is from January 1, 2024 to December 31, 2024.
In addition to Nanning, Hainan, Jinan, Shandong, Lianyungang, Jiangsu and other regions have adjusted the provident fund contribution base for 2024.
The question is, does the increase in the provident fund contribution base mean that there is less salary in hand?
First of all, let's understand the contribution ratio: at present, the lower limit of the provident fund contribution ratio is 5% and the upper limit is 12%, and the specific contribution ratio is chosen by the unit and the individual.
A unit can only select one unit to contribute in the same deposit year, and the individual contribution ratio should be equal to or higher than the unit contribution ratio.
For example, if the contribution ratio of your unit is 8%, then you can choose between 8% and 12% of your personal contribution ratio, which does not mean that you must pay according to the upper limit.
In other words, with the adjustment of the provident fund payment base, the amount of provident fund paid each month will increase under the condition that the contribution ratio remains the same.
Moreover, the adjustment of the provident fund contribution base does not mean that everyone will be affected. In principle, the employee's provident fund contribution base is the average monthly salary of the employee in the previous year. If your salary level is within the upper and lower limits of the contribution base, then no matter how you adjust the contribution base, it will not affect you.
In addition, even if the payment base is larger, you can withdraw the money by renting or buying a house. So from another point of view, the increase in the housing provident fund is actually equivalent to the increase in wages.
.02
Provident fund withdrawals and loan limits have increased
1. Beijing
It is clarified that the loan amount can be increased by up to 400,000 yuan for employees who use housing provident fund loans to purchase green buildings, prefabricated buildings or ultra-low energy consumption buildings with two-star or above.
Specific rules: Borrowers who apply for loans to purchase two-star and three-star green buildings will have the maximum loan amount of 200,000 yuan and 300,000 yuan respectively, borrowers who purchase A(BJ), AA (BJ) and AAA (BJ) prefabricated buildings will have the maximum loan amount of 100,000 yuan, 200,000 yuan and 300,000 yuan respectively, and borrowers who purchase ultra-low energy consumption buildings will have the maximum loan amount of 400,000 yuan.
3. Guangzhou
Clarification: If a housing provident fund loan is used to purchase a self-occupied house, the maximum amount of a loan applied for by one person is adjusted to 700,000 yuan, and the maximum amount of a loan jointly applied for by two or more people to purchase the same self-occupied house is adjusted to 1.2 million yuan.
If you use a housing provident fund loan to purchase a self-occupied house, and the purchased housing is a new one-star green building or a new prefabricated building, the maximum amount of the housing provident fund loan can be increased by 10%.
If the housing provident fund loan is used to purchase a self-occupied house, and the purchased housing is a new two-star or above star-rated green building, the maximum amount of the housing provident fund loan can be increased by 20%.
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So, what does that mean?
Obviously, raising the maximum loan amount of the housing provident fund will help further reduce the financial burden of residents. Compared with commercial banks' personal housing loans, the interest rate of provident fund loans is lower, and by increasing the amount of provident fund loans, it can not only reduce the cost of loans, relieve the financial pressure of home buyers, but also promote their ability to increase consumer spending.
In short, the move to increase the CPF loan limit will enable more families to obtain more loan amounts, making it easier for them to realize their dream of buying a home. In addition, it will also stimulate the development of the real estate market and increase the activity of the market.
However, it should be noted that CPF loans still need to meet the relevant application requirements, such as stable income, home purchase plans, etc. At the same time, it is also necessary to pay attention to the issue of loan interest rates. According to the policies of different regions, the interest rate of CPF loans may vary, so you need to carefully understand the relevant policies and choose the loan plan that suits you.
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