Increase in the amount of provident fund

Employees who have paid the housing provident fund continuously for two years according to the regulations and apply for the housing provident fund loan for the first time to purchase the first family-occupied housing, the maximum loan amount will be increased from 600,000 yuan/household to 6,543.8+0,000 yuan/household. If you apply for housing provident fund loans under other circumstances such as purchasing an improved second set of self-occupied housing, the maximum loan amount will be increased from 400,000 yuan/household to 800,000 yuan/household. According to the national birth policy, the maximum loan amount of housing provident fund for families with two or three children will increase by 20% on the above basis.

The loanable amount of employee individual housing provident fund is adjusted from 12 times of the balance of the account deposited by the borrower and its * * * borrower on the loan application date to 15 times.

The number of houses purchased by families with many children has increased.

Minor families with two children and three children registered in Ningbo who already own two houses in Haishu District, Jiangbei District, zhenhai district District and Yinzhou District can purchase 1 set of commercial housing in the restricted purchase area; Non-Ningbo registered two-child and three-child families with minor children who already own 1 apartment in four districts of the city can purchase 1 apartment in the restricted area.

Loan down payment ratio and interest rate adjustment

Accelerate the approval and issuance of personal housing mortgage loans, and reasonably determine the down payment ratio and interest rate level of personal housing loans.