In January 2015, General Secretary of the Supreme Leader made important instructions on the 60th anniversary of the founding of China’s nuclear industry, stressing that the nuclear industry is a high-tech strategic industry and an important cornerstone of national security. It is necessary to adhere to safe development and innovative development, adhere to the peaceful use of nuclear energy, comprehensively enhance the core competitiveness of the nuclear industry, and continue to write a new brilliant chapter in China’s nuclear industry.

On December 15th, 1991, Qinshan Nuclear Power Station, the first self-designed and self-built nuclear power station in China, was connected to the grid for power generation, making China the seventh country in the world to design and build its own nuclear power station.

Today, Qinshan nuclear power plant has been operating safely for 30 years. After completion, the total installed capacity of Qinshan nuclear power base is 6.6 million kilowatts, the annual power generation is about 52 billion kWh, and the cumulative safe power generation is 690 billion kWh. It has become the nuclear power base with the largest number of nuclear power units, the most comprehensive reactor type and the richest nuclear power operation and management talents in China.

On the basis of ensuring the safe operation of Qinshan Nuclear Power Station, China National Nuclear Corporation (hereinafter referred to as CNNC) insists on scientific and technological innovation as a strategic basis, focuses on key technologies of nuclear energy, and builds the third generation of independent nuclear power technology "Hualong No.1", which has become a "national business card" that highlights China’s independent innovation capability.

Realizing "Zero Breakthrough" of Nuclear Power

Starting from Haiyan County, Jiaxing City, Zhejiang Province, all the way south to the foot of Qinshan Mountain. Under the shadow of cement buildings, there is a white building, and the high-voltage iron tower and thick transmission lines standing on the distant hills are connected with it. This building is the first 300,000 kW PWR nuclear power plant in China. The green energy output from nine operating units in and around here has been continuously imported into East China Power Grid, meeting the energy demand in the Yangtze River Delta region.

Time goes back to the 1970s. On February 8, 1970, Shanghai conveyed the spirit of Premier Zhou Enlai’s instructions on building nuclear power, and Qinshan Nuclear Power Station, China’s first independent nuclear power station, was named after the "July 28 Project".

In 1982, at the Fifth Session of the Fifth National People’s Congress, China solemnly announced the decision to build Qinshan nuclear power plant, which has since opened the prelude to nuclear power construction. Since then, nuclear workers from the northwest and southwest have gathered at the foot of Qinshan Mountain, involving more than 100 scientific research units, 7 design institutions, 11 construction units and hundreds of manufacturing plants. Everyone has only one goal: to achieve a "zero breakthrough" in nuclear power. In March 1985, Qinshan Nuclear Power Station poured the first tank of concrete.

Everything is difficult before it is easy. The initial construction of Qinshan Nuclear Power Station is not smooth, and the first-hand information that can be used for reference is very limited. "Take the main pipeline connecting the steam generator and the pressure vessel as an example, there are as many as 16 welding joints. At that time, there was no such welding technology in China." Yuan Yong, the business manager of the Qinshan Nuclear Power Party Group Work Office of China National Nuclear Corporation, recalled, "I heard that a foreign-funded enterprise had mastered the relevant technology, and the technical experts of Qinshan Nuclear Power Station went to consult."

At first, the foreign-funded enterprise agreed to provide a welding technical manual at a price of $100,000. But later, with the approaching of the construction period, the government of the country where the enterprise is located put forward two "additional conditions": first, Chinese must report to the country for the use of this welding technology; Second, when using this technology to weld pipelines, experts from this country should be sent to supervise on the spot. Hearing these conditions, Zhao Hong, then general manager of Qinshan Nuclear Power Company, decided to terminate the negotiations. Later, we used this $100,000 to build a laboratory in Qinshan site, organized experts from Tsinghua University and other units to tackle key problems, and won this technology in half a year.

"To solve the technical key in self-design, only through our own research and development can we know what it is, know why it is, and master the technical initiative." Ouyang Yu, chief designer of Qinshan nuclear power plant project, said. During the construction of Qinshan Nuclear Power Station, every technical drawing was designed and drawn by Chinese himself. With a series of independent technologies, the design and construction project of Qinshan 300,000 kW nuclear power plant won the national special prize for scientific and technological progress.

There is a clock in the Nuclear Power Science and Technology Museum in Haiyan County, and the time on it is fixed at 0: 15 on December 15, 1991. This is a major breakthrough in the peaceful use of nuclear energy in China and a milestone in the second venture of the nuclear industry.

Since then, the development of Qinshan nuclear power has been accelerated, and the second, third and Fangjiashan nuclear power projects of Qinshan nuclear power have been completed one after another. In this process, China has mastered 300,000, 600,000 and 1 million kilowatts of nuclear power technology, and Qinshan nuclear power has become the epitome of nuclear power from scratch and from small to large. At the same time, Qinshan nuclear power has also taken the first step of "going out" of China’s nuclear power technology supporting services. On December 31st, 1991, China and Pakistan signed an agreement in Beijing to jointly build Pakistan’s Chashma nuclear power plant with Qinshan nuclear power plant as a reference. Chashma project was the first commercial nuclear power plant designed and built by China, and it was also the largest high-tech export project in China at that time.

Today, on the foothills directly opposite the Qinshan Phase I nuclear reactor, you can still see a stone tablet engraved with the four characters "Qinshan Chunxiao". "This is the way for China’s nuclear power workers to record history. Qinshan Nuclear Power Station is like a’ spring song’, and China’s nuclear power industry is welcoming spring." Huang Qian, Party Secretary and Chairman of Qinshan Nuclear Power of CNNC, said.

"Hualong No.1" leads China’s nuclear power technology level and comprehensive strength to rank among the first phalanx in the world.

On January 30, 2021, the third generation nuclear power technology independently developed by China and the world’s first "Hualong No.1" nuclear power unit-Fujian Fuqing Nuclear Power Unit 5 was put into commercial operation. From pouring the first tank of concrete on the nuclear island to commercial operation, "Hualong No.1" took only 68.7 months, making it the only third-generation nuclear power reactor in the world built on schedule.

"Hualong No.1" has realized the dreams of several generations of nuclear power workers, including Xing Ji, chief designer and chief expert of "Hualong No.1" of China National Nuclear Corporation. In the past 30 years, Xing Ji has participated in almost all nuclear power plant construction in China, which makes him have a deeper understanding of the importance and urgency of mastering key technologies: "In the late 1980s, when China built the first large-scale commercial nuclear power plant with a capacity of one million kilowatts on the mainland, not only the main equipment could not be provided domestically, but even the basic materials for nuclear power construction could not be supplied domestically, and reinforced concrete that met the requirements of nuclear power plants could only be imported. We are all eager to develop our own million kilowatt nuclear power technology. "

Nuclear power plant is the most complex energy system so far, and the first reactor of "Hualong No.1" involves more than 70 professional fields, more than 80 structures and more than 360 systems, with more than 200,000 engineering design drawings. Every detail innovation puts forward higher requirements for design, procurement, construction, commissioning, nuclear safety and other links. In order to achieve the overall upgrade, we must learn from experience and strengthen cooperation on a global scale.

At the beginning of the research and development of "Hualong No.1", Xing Ji led the large team of "Hualong No.1" to build an efficient collaborative innovation research and development platform of "globalization for Industry-University-Research", effectively integrating technical resources and realizing complementary advantages. On the basis of summarizing China’s experience in scientific research, design, construction and management of nuclear power for more than 30 years, Hualong-1, an independent third-generation nuclear power technology, has finally been formed, which integrates a number of major technical improvements, such as "the highest safety standard, 177 cores, double containment, active and passive safety systems, earthquake resistance and large aircraft impact resistance".

The research and development of core nuclear power involves 336 systems and 25 disciplines, and the calculation amount is beyond imagination; The steam generator has 5835 pipes, almost none of which are exactly the same, and it has to pass through 9 layers of support plates smoothly; The diameter of the dome is 46.8 meters, and the thickness of the steel lining is only 6 mm. When hoisting, it must accurately fall into the guide groove with a width of only 10 mm at the narrowest part at the top of the nuclear island … seemingly "impossible tasks" are placed in front of the "Hualong No.1" team.

The core is the most important thing in the design of nuclear power plants. In the 1990s, after the Qinshan Phase II nuclear power project of 600,000 kilowatts was independently developed and designed, China National Nuclear Corporation immediately started the research and development project of independent million-kilowatt nuclear power technology, and in 1996, it put forward the plan of 177 cores, which not only increased the power generation of nuclear power units by 5% to 10%, but also greatly enhanced the safety of nuclear power plants. This is the source of the birth of "Hualong No.1" and the basis of key technologies.

"The metal material wrapped in nuclear fuel is called zirconium alloy. When we first started research and development, there was no complete production line in China. " Jiao Yongjun, chief designer of CF fuel of CNNC, recalled. After more than ten years of technical research and thousands of experiments, researchers have finally successfully developed N36 zirconium alloy with independent intellectual property rights. Subsequently, the R&D team successively overcame a series of difficulties, such as critical heat flux test and in-reactor irradiation test, and CF series nuclear fuel elements realized autonomy and industrial application.

The steam generator of "Hualong No.1" is completely different from the previous one in terms of size, core components and even every weld. In order to solve the difficulties in design and manufacture, Zhang Fuyuan, chief designer of "Hualong No.1" steam generator of China National Nuclear Corporation, often travels between major manufacturing plants, and finally shortens the manufacturing cycle to 27 months; In the world’s first demonstration project site of "Hualong No.1", the dome hoisting is the most critical link in civil engineering. The construction team finally successfully completed the "blade docking" with rich experience and excellent technology …

The confirmation of group parameters, the manufacture of sets of equipment, the binding of steel bars, the adjustment of instruments and the input of lines of codes, from the top-level scheme, overall design and preliminary design to the relevant important experimental verification, the "Hualong No.1" team overcame one difficulty after another, and it took 16 years to carry out 54 scientific research projects and develop hundreds of sets of new equipment.

"Hualong No.1" has achieved a major breakthrough in all aspects, such as calculation and analysis software, reactor core design, fuel technology, active and passive safety technology, etc. It has mastered a large number of key technologies in the fields of independent intellectual property rights covering design, fuel, equipment, construction, operation and maintenance, formed its core competitiveness, and won the initiative for the future development of nuclear power in China.

From Qinshan to Fuqing, China’s nuclear power started from "one poor and two white" in technology to independently design and build a million kilowatt nuclear power plant, and its technical level and comprehensive strength rank among the first phalanx in the world. With the spirit of self-reliance and self-improvement, people in the nuclear industry have made unremitting efforts and taken another solid step towards building a nuclear power.

The Struggle Journey of China’s Nuclear Power Technology from Relatively Backward to Advanced in the World

From the first heavy water reactor and the first cyclotron to open a new era of China’s atomic energy industry, to the successful development of atomic bombs, hydrogen bombs and nuclear submarines to establish a great power status; From the independent design and construction of Qinshan Nuclear Power Station, "Hualong No.1" and other big countries’ heavy equipment, to the independent research and development of a number of advanced nuclear technologies such as medical cobalt-60 to promote the localization of high-end medical equipment, and then to the application of irradiation sterilization technology to help science and technology fight the epidemic … An overview of the development history of China’s nuclear industry is a struggle history with the primary task of meeting the national strategic needs and the strategic support of building an advanced nuclear technology industrial innovation system.

Under the strong leadership of the CPC Central Committee, from Qinshan Nuclear Power Station to "Hualong No.1", China’s nuclear industry has embarked on a road of development with China characteristics. One of the important experiences is to give full play to the advantages of the new national system. Taking the super project "Hualong No.1" as an example, 17 domestic universities, scientific research institutions, 58 state-owned enterprises and more than 140 private enterprises participated in the research and development; The world’s first reactor project has driven more than 5,300 upstream and downstream enterprises, realized the localization of 411 core equipment, promoted the development of the country’s high-end major equipment manufacturing industry and related service industries, and significantly promoted the processing technology and process level of dozens of industries such as materials, metallurgy, chemical industry, machinery, electronics and instrument manufacturing.

The development of the nuclear industry is inseparable from talents. In Qinshan Nuclear Power Station, a large number of outstanding scientific and technological talents have emerged, represented by Ouyang Yu, an academician of China Academy of Sciences, and Ye Qiqian, an academician of China Academy of Engineering. The first batch of 35 nuclear power operators in Chinese mainland was born here, and more than 2,500 nuclear power technical backbones were exported to the whole country. After the first phase of Qinshan nuclear power plant was put into operation, when other nuclear power plants in China started construction, the first thing that came to mind was "taking important people from Qinshan".

In recent years, CNNC has attached great importance to the construction of talent team and built an innovative highland for nuclear science and technology talents. Focusing on important scientific fields and innovative directions, we will cultivate a number of strategic scientific and technological talents, leading scientific and technological talents and innovative teams with international standards; Strengthen the training of young talents through elite, leading and innovative teams, train and train a group of young scientific and technological talents, and build a high-level talent channel; Further innovate the mechanism and actively introduce high-tech talents and innovative teams.

In 2021, Qinshan Nuclear Power Station ushered in the 30th anniversary of grid-connected power generation, and the first batch of "Hualong No.1" in the world successfully achieved commercial operation. The passage of 30 years reflects the struggle journey of China’s nuclear power technology from relatively backward to advanced in the world, and highlights the spirit of innovation and hard work of nuclear power workers in the new era.

"As the national team and main force of China’s nuclear science and technology innovation, China National Nuclear Corporation will follow the spirit of the important instructions of the Supreme Leader General Secretary, base itself on the new development stage, implement the new development concept, build a new development pattern, promote high-quality development, further improve the advanced nuclear science and technology innovation system, focus on tackling key technologies and transforming and industrializing achievements, continue to bravely break into the’ no man’s land’ and be a pathfinder, constantly climb the peak of world nuclear science and technology, and contribute to the early realization of high-level scientific and technological self-reliance." Yu Jianfeng, Party Secretary and Chairman of CNNC, said.

[Editor: Wen Cun]

Respond positively in many places!

The People’s Bank of China has decided to reduce the interest rate of individual housing provident fund loans by 0.25 percentage point from May 18, 2024, and adjust the interest rates of the first set of individual housing provident fund loans for less than five years (including five years) and more than five years to 2.35% and 2.85% respectively, and the interest rates of the second set of individual housing provident fund loans for less than five years (including five years) and more than five years to not less than 2.775% and 3.325% respectively.

The Securities Times reporter found that after the central bank’s policy was released, housing provident fund centers in Beijing, Shanghai, Shenzhen, Guangzhou, Dongguan, Zhongshan, Jiangmen, Shantou, Suzhou, Hefei, Nanjing, Chengdu, Chongqing, Changsha, Zhengzhou and Hubei responded positively and lowered the interest rate of provident fund loans.

How much can lenders save after the interest rate is lowered this time? Take the first personal housing loan of housing provident fund with a term of 30 years as an example. If the repayment method of principal and interest is equal, the monthly payment will be reduced from 4,270.16 yuan to 41,355.57 yuan, a decrease of about 135 yuan, and the total interest expense will be reduced by 48,500 yuan.

The relevant person in charge of the Housing Provident Fund Supervision Department of the Ministry of Housing and Urban-Rural Development said that the most direct beneficiary is the housing provident fund lender. The Ministry of Housing and Urban-Rural Development will guide the urban housing provident fund management center to do a good job of policy convergence in accordance with regulations to ensure that depositors can enjoy preferential policies at the first time.

Guangdong lowered the interest rate of provident fund loans in many places.

On May 18th, Shenzhen Housing Provident Fund Management Center issued a document saying that the loan interest rate of Shenzhen housing provident fund was lowered. Article 23 of the Regulations on the Administration of Housing Provident Fund Loans in Shenzhen stipulates that after the issuance of provident fund loans, if the national provident fund loan interest rate is adjusted, the provident fund center shall adjust the loan interest rate quarterly. For individual housing provident fund loans issued in Shenzhen before May 18, 2024, the adjusted interest rate will be implemented from July 1, 2024. Personal housing provident fund loans that were applied for before May 18, 2024 but not issued, and personal housing provident fund loans that were applied for after May 18, 2024 (inclusive) shall be subject to the adjusted interest rate.

Guangzhou Housing Provident Fund Management Center announced on May 17 that since May 18, 2024, the interest rate of individual housing provident fund loans will be lowered by 0.25 percentage point, and the interest rates of the first set of individual housing provident fund loans for less than five years (including five years) and more than five years will be adjusted to 2.35% and 2.85% respectively, and the interest rates of the second set of individual housing provident fund loans for less than five years (including five years) and more than five years will be adjusted to not less than 2.775% and 3 respectively. For personal housing provident fund loans issued from May 18, 2024, the new interest rate will be implemented; For individual housing provident fund loans issued before May 18, 2024, the new interest rate will be implemented from January 1, 2025 according to the loan contract.

The Dongguan Housing Provident Fund Management Center also issued a notice on May 17, 2024, and individual housing provident fund loans issued after May 18 (inclusive) will be implemented at the adjusted new interest rate. The outstanding individual housing provident fund loans issued before May 18, 2024 will be implemented at the adjusted new interest rate from January 1, 2025.

Jiangmen City issued a notice. According to the Notice of the People’s Bank of China on Lowering the Interest Rate of Individual Housing Provident Fund Loans on May 17, 2024, the interest rate of individual housing provident fund loans in Jiangmen City will be adjusted as follows from May 18, 2024:

Interest rate of the first individual housing provident fund loan. For less than 5 years (including 5 years), it will be reduced from 2.6% to 2.35%, and for more than 5 years, it will be reduced from 3.1% to 2.85%.

The second set of personal housing provident fund loan interest rate. For less than 5 years (including 5 years), it will be reduced from 3.025% to 2.775%, and for more than 5 years, it will be reduced from 3.575% to 3.325%.

For individual housing provident fund loans issued before May 18, 2024, the new loan interest rate will be implemented from January 1, 2025.

Shantou Housing Provident Fund Management Center issued a notice on lowering the interest rate of individual housing provident fund loans, which proposed that individual housing provident fund loans issued after May 18, 2024 (including housing provident fund loans accepted but not released before May 18, 2024) should be implemented at a new interest rate of 2.35% for the first suite according to the interest rate of less than 5 years (including 5 years) and 2.85% for the interest rate of more than 5 years; The second suite is subject to the new interest rate of 2.775% for less than 5 years (including 5 years) and 3.325% for more than 5 years. For individual housing provident fund loans (including provident fund loans in discount loans) that have been lent before May 18, 2024, the new interest rate will be implemented from January 1, 2025.

According to the news released by Zhongshan, the adjusted interest rate will be implemented from January 1, 2025 for individual housing provident fund loans that have been issued before May 18, 2024. For individual housing provident fund loans that were applied for before May 18, 2024 but not issued, the adjusted interest rate of individual housing provident fund loans shall be implemented. Personal housing provident fund loans applied after May 18, 2024 shall be implemented according to the adjusted interest rate.

Beijing, Shanghai and other places are also lowered.

On May 18th, WeChat official account, the Shanghai Provident Fund, issued a notice on adjusting the loan interest rate of individual housing provident fund in this city. According to the decision of the People’s Bank of China, starting from May 18th, 2024, the loan interest rates of the first set of individual housing provident fund for less than five years (including five years) and more than five years were lowered to 2.35% and 2.85% respectively, and the loan interest rates of the second set of individual housing provident fund for less than five years (including five years) and more than five years were lowered to 2.775% and 2% respectively. The adjusted interest rate for loans issued after May 18, 2024 (inclusive); For loans issued before May 18, 2024, if the loan term is one year, the original loan contract interest rate will be implemented, and if the loan term is more than one year, the adjusted interest rate will be implemented from January 1, 2025.

According to Hubei Housing Construction News, as of this morning, 17 cities and states in Hubei have all lowered the interest rate of individual housing provident fund loans. For individual housing provident fund loans that have been issued before May 18, 2024, the original interest rate standard for individual housing provident fund loans will still be implemented, and the adjusted interest rate standard for individual housing provident fund loans will be implemented from January 1, 2025. For individual housing provident fund loans that have been accepted before May 18, 2024, the adjusted interest rate standard for individual housing provident fund loans will be implemented. For individual housing provident fund loans accepted after May 18, 2024 (inclusive), the adjusted interest rate standard for individual housing provident fund loans shall be implemented.

According to the news of the Central Broadcasting Network, the reporter called the Beijing Housing Provident Fund Management Center. The staff said that at present, Beijing has implemented a loan interest rate reduction. The staff further explained that the original personal housing provident fund loan interest rate standard is still implemented for personal housing provident fund loans that have been issued before May 18, 2024, and the adjusted personal housing provident fund loan interest rate standard will be implemented from January 1, 2025. For individual housing provident fund loans accepted before May 18, 2024 and accepted after May 18, 2024 (inclusive), the adjusted interest rate standard for individual housing provident fund loans shall be implemented. In addition, the staff of Beijing Housing Provident Fund Management Center introduced that the lender does not need to apply separately, and the loan interest rate will be automatically lowered. If the lender does not change the monthly repayment amount, it will be automatically calculated as overpaying the principal and underpaying the interest.

In addition, Suzhou, Hefei, Nanjing, Chengdu, Chongqing, Changsha, Taiyuan, Zhengzhou, Kunming, Jiangxi, Hainan and other places also issued notices that personal housing provident fund loans issued after May 18, 2024 (inclusive) will be implemented at the new interest rate. The unexpired individual housing provident fund loans issued before May 18, 2024 shall be implemented at the new interest rate from January 1, 2025.

However, there are also some places with different details, such as Suzhou, Nanjing and Taiyuan. For individual housing provident fund loans that were applied before May 18, 2024 but not issued, the adjusted interest rate of individual housing provident fund loans was implemented. Chengdu is a housing provident fund loan issued before May 18, 2024: if the loan term is more than one year, the loan interest rate will be adjusted on January 1, 2025; If the loan term is one year, the loan interest rate will not be adjusted.

How much money can you save by lowering interest rates?

According to china construction news news, the relevant person in charge of the Housing Provident Fund Supervision Department of the Ministry of Housing and Urban-Rural Development said in an interview that the housing provident fund has long provided low-interest housing loans to low-and middle-income groups to meet the housing needs of residents, which has been welcomed and concerned by the masses. Since the 18th National Congress of the Communist Party of China, the Ministry of Housing and Urban-Rural Development has implemented the decision-making arrangements of the CPC Central Committee and the State Council, actively played the role of housing provident fund, and solved the housing problem of depositors. Since 2012, a total of 12.9 trillion yuan of housing provident fund personal housing loans have been issued, and the loan balance has increased from 2.7 trillion yuan to 7.8 trillion yuan in 2023, supporting nearly 50 million depositors to live and live, of which more than 80% are buying the first home. In recent years, individual housing loans of housing provident fund have maintained steady growth year after year. In 2023, the loan balance increased by nearly 7%, and new loans increased by more than 24% year-on-year, which strongly supported the housing consumption of depositors.

In order to increase the support for depositors’ loans, in accordance with the relevant arrangements of the State Council, the Ministry of Housing and Urban-Rural Development actively studied and considered lowering the interest rate of individual housing loans for housing provident funds as a package of work to promote the stable and healthy development of the real estate market, and jointly promoted the implementation of policies with the People’s Bank of China. In order to put the policy in place, on May 17th, the Ministry of Housing and Urban-Rural Development issued the Notice on Doing a Good Job in Lowering the Interest Rate of Individual Housing Loans for Housing Provident Funds, guiding the local housing provident fund management agencies to implement it well, so as to effectively let the depositors enjoy this policy of benefiting the people.

The above-mentioned person in charge pointed out that the most direct benefit from the reduction of the loan interest rate is the housing provident fund lender. Take the first personal housing loan of housing provident fund with a term of 30 years as an example. If the repayment method of principal and interest is equal, the monthly payment will be reduced from 4,270.16 yuan to 41,355.57 yuan, a decrease of about 135 yuan, and the total interest expense will be reduced by 48,500 yuan. The benefits that buyers get are real.

The person in charge also said that the Ministry of Housing and Urban-Rural Development will guide the urban housing provident fund management center to do a good job of policy convergence in accordance with regulations to ensure that depositors can enjoy preferential policies in the first time.

Adjust the provident fund loan policy in many places

In addition, Shaanxi, Hangzhou and Hefei have also adjusted their provident fund loan policies.

On May 17th, Shaanxi Provincial Housing Fund Management Center issued the Notice on Adjusting the Relevant Policies of Housing Provident Fund Loans. According to the notice, if you use provident fund loans to buy a house for the first time, the down payment ratio is not less than 20%; After the first provident fund loan is settled, if you use the provident fund loan to buy a house again, the down payment ratio shall not be less than 25%. If you use provident fund loans to buy second-hand housing, the housing completion period shall not exceed 30 years, and the sum of the loan period and the housing completion period shall not exceed 40 years, and the longest loan period shall be 30 years. If families with two or more children use provident fund loans to buy houses, the maximum loan amount will be increased to 1.2 times on the basis of the current policy.

On May 17, Hangzhou Housing Provident Fund Management Committee issued a notice on the relevant policies to adjust the criteria for determining the number of housing units for families with housing provident fund loans. According to the notice, the number of family housing units shall be subject to the inquiry results or certification issued by the real estate management department where the house is purchased. Housing provident fund loans for the first and second suites are determined according to the number of family housing units and housing provident fund loans. Housing provident fund loans are subject to the query results of the housing provident fund supervision service platform of the Ministry of Housing and Urban-Rural Development. The down payment ratio policy for housing provident fund loans remains unchanged. The notice shall come into force on May 15, 2024. If the online signing date of the contract is on or after May 9, 2024, it shall be implemented in accordance with the provisions of this notice. The signing date of the online signing sales contract for new commercial housing shall prevail, and the signing date of the online signing transfer contract for second-hand housing shall prevail. If the contract has been signed before May 9, 2024, it shall be implemented according to the original credit policy.

On May 17th, the Office of Hefei Housing Provident Fund Management Committee issued the Notice on Adjusting the Maximum Loanable Amount of Individual Housing Provident Fund in our city. According to the notice, if the borrower’s family and husband and wife have paid the housing provident fund normally for six months, the maximum loan amount will be raised from 550,000 yuan and 650,000 yuan to 1 million yuan; If the borrower unilaterally pays the housing provident fund for 6 months, the maximum loan amount will be raised from 450,000 yuan and 550,000 yuan to 700,000 yuan. Families with many children who meet the policy purchase the first set of housing, and if the husband and wife normally pay the housing provident fund according to the regulations, the maximum loan amount will be raised from 750,000 yuan to 1.2 million yuan; If the housing provident fund is paid unilaterally according to the regulations, the maximum loan amount will be raised from 650,000 yuan to 840,000 yuan.

Proofreading: Wang Jincheng

　　Since July 1st, many places have adjusted the deposit base of housing provident fund. For example, the upper limit of the monthly deposit base of Beijing housing provident fund is raised to 5102 yuan, and the income of employees’ individual provident fund accounts will increase.

　　Different from previous years, some areas have also adjusted the upper limit of the housing provident fund deposit ratio this year. According to the Notice on Appropriately Reducing the Deposit Ratio of Housing Provident Fund in Phases issued by the State Council in April, it is required that the deposit ratio of housing provident fund shall not exceed 12%. The reporter from Zhongxin. com found that Guangdong, Anhui, Tianjin, Chongqing and other places have successively issued notices to reduce the maximum deposit ratio of housing provident fund from 20% and 15% to 12%.

　　The provident fund deposit base began to implement new standards and was raised more.

　　From July 1st, many places began to implement the newly approved standard for the deposit base of provident fund. The newly set monthly deposit amount and lower limit of housing provident fund are based on the average monthly salary and minimum wage of local employees in 2015 respectively. Judging from the adjustment range, the upper limit of monthly deposit in Beijing, Nanjing and other places has been raised above 400 yuan.

　　The Office of the Beijing Housing Provident Fund Management Committee issued a notice on June 21, saying that according to the calculation, the upper limit of the monthly contribution of the housing provident fund in 2016 was 5,102 yuan, and the upper limit of the monthly contribution of employees and units was 2,551 yuan. In 2015, the upper limit of the monthly deposit of Beijing housing provident fund was 4,654 yuan, compared with 448 yuan this year.

　　Nanjing requires that the maximum deposit base of housing provident fund in 2016 should not exceed three times (20,200 yuan) of the monthly per capita salary of employees in Nanjing in 2015, breaking the "2" prefix for the first time; At the same time, the upper limit of monthly deposit is 4,848 yuan, which is higher than 4,368 yuan in 2015 in 480 yuan.

　　The relevant notice of Shanghai to adjust the deposit base of housing provident fund shows that the monthly deposit limit of housing provident fund in 2016 is 2494 yuan, which is 204 yuan higher than the monthly deposit limit of 2290 yuan in 2015.

　　The reporter noted that in areas where the average monthly salary and minimum wage standard of employees in 2015 have not yet been published, there is a "temporary shortage" of the deposit limit. For example, because the minimum wage in 2015 has not been announced in Nanjing, it is temporarily impossible to calculate the minimum monthly deposit.

　　After adjustment, under the condition that the deposit ratio remains unchanged, the employee’s salary may be slightly reduced, but the unit’s simultaneous deposit amount will increase, and the employee’s personal housing provident fund account income will increase. From the perspective of buying a house and finally withdrawing income, it is actually good.

　　We will implement the deposit ratio "height limit order" and "guarantee the bottom" in many places.

　　In April this year, the State Council issued the Notice on Standardizing and Appropriately Decreasing the Deposit Ratio of Housing Provident Fund in Stages, requiring that all regions should strictly implement the relevant regulations within two years from May 1, 2016, and all housing provident fund deposit ratios above 12% shall be standardized and adjusted, and shall not exceed 12%.

　　Based on this provision, Guangdong, Jilin, Anhui and other places will adjust the upper limit of the proportion of housing provident fund units from 20% to 12%; Fujian, Chongqing, Tianjin and other places reduced the maximum deposit ratio from 15% to 12%.

　　Previously, the website of the People’s Government of Guangdong Province published a series of plans for supply-side reform in 2016-2018, which mentioned that Guangdong would reduce the proportion of housing provident fund deposit, and the upper limit of deposit would be reduced from 20% to 12%. At the beginning of July, Guangzhou, Dongguan and other cities also officially adjusted the upper limit of housing provident fund deposit ratio to 12%.

　　At the same time, the deposit ratio is "limited", and the work of "guaranteeing the bottom" is promoted simultaneously. According to Article 18 of the Regulations on the Management of Housing Provident Fund, "the deposit ratio of housing provident fund for employees and units shall not be less than 5% of the average monthly salary of employees in the previous year; Cities with conditions can appropriately increase the deposit ratio. "

　　To this end, Qinghai proposed that the contribution of housing provident fund units can be determined by themselves according to the operating conditions of enterprises, and shall not be less than 5%.

　　The minimum deposit ratio implemented by Nanjing Provident Fund Management Center is 8%; Changchun stipulates that except for some enterprises with insufficient funds, they can apply for a phased reduction of the deposit ratio, and the deposit ratio of units and employees is not less than 7%.

　　Set and adjust the "timetable" in many places. Enterprises with operational difficulties can pay back or postpone payment.

　　The adjustment of the deposit base of housing provident fund has been implemented since July 1. In order to ensure the smooth progress of the work, many places have also set a "timetable" for adjustment.

　　Chengdu requires that all units can adjust the deposit base of employee housing provident fund through the online government affairs hall of Chengdu housing provident fund or the windows of various outlets. In principle, the adjustment should be completed before July 30; Dongguan said that if the depositor fails to go through the relevant procedures on time, it will be enforced from August; The approval time for Fujian is July 5-August 5.

　　In addition, according to the Regulations on the Management of Housing Provident Funds, enterprises with operational difficulties can enjoy the corresponding "relaxation" policy. That is, after passing the corresponding audit, it is allowed to pay back or postpone the provident fund, and there are different management regulations and audit conditions in different places.

　　Chongqing puts forward two conditions for the identification of enterprises with production and operation difficulties: continuous losses for more than three years, and the average monthly salary of employees is lower than 50% of the average monthly salary of employees in urban non-private units in the city last year; Or stop production or business, and stop paying wages for more than half a year. In principle, the suspension of deposit shall not exceed one year at a time.

　　Guangzhou proposed that units with difficulties in deposit can apply for reducing the deposit ratio (less than 5%) or delaying payment according to the current regulations. However, there is no specific holdover period. (zhong Qing)