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according to the wechat public account "jinhua release" on august 31, jinhua city, zhejiang province will optimize and adjust the housing provident fund use policy, and will optimize and adjust some of the city's housing provident fund policies from september 2, involving the use of affordable housing, increasing support for rental withdrawals and other matters, to better meet the housing consumption needs of depositors.

to help depositors reduce the burden of renting a house, this round of new policies has increased support for housing provident fund rental withdrawals, with the maximum withdrawal amount for each household increased from 30,000 yuan/year to 36,000 yuan/year (3,000 yuan/month), and the number of withdrawals adjusted from once a year to unlimited times.

the new policy will also optimize other housing consumption withdrawals. if the depositor and his/her spouse have no outstanding housing provident fund loans, or have outstanding housing provident fund loans and have processed monthly withdrawals for loan repayment, they can apply to withdraw the balance of the depositor and his/her spouse's account for other housing consumption withdrawals that meet the regulations, and cancel the limit on the number of withdrawals. if the depositor has already made withdrawals for loan repayment reasons this year, according to the original regulations, he/she cannot make withdrawals for house purchases or other housing loan repayments in the same year. now, anyone who meets the withdrawal conditions can apply. in addition, the new policy also broadens the scope of use of provident funds and supports the use of housing provident funds for the purchase of affordable housing.

on may 31 this year, the jinhua housing provident fund management center issued an announcement to further optimize the housing provident fund loan policy throughout the city from june 3. the new policy clarifies that for employees who apply for housing provident fund loans to purchase their first or second homes, the maximum loan amount is 700,000 yuan if the employee unilaterally pays the housing provident fund; the maximum loan amount is 1 million yuan if both employees pay the housing provident fund. at the same time, for employees who apply for housing provident fund loans to purchase their second home, the minimum down payment ratio is 30%, and the loanable ratio is 70%.

according to the current policy, the loan amount for the first home purchased in jinhua city shall not exceed 80% of the housing price. the maximum loan amount for a couple is 1 million yuan, and for an employee alone it is 500,000 yuan. after the adjustment, the first and second homes will be subject to the same maximum loan amount, that is, the maximum loan amount for an employee alone will be increased from 500,000 yuan for the first home and 300,000 yuan for the second home to 700,000 yuan; for a couple, regardless of whether it is the first or second home, the maximum loan amount will be 1 million yuan.