In the past, it was clearly stipulated that in the future, eligible workers' families can also enjoy preferential provident fund loans when purchasing the third suite. On August 2nd, the Center held a press conference to clarify a series of new policies.
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In order to further make full use of housing provident fund, support workers' housing consumption, and resolve the inventory of commercial housing, the Notice of Changsha Housing Provident Fund Management Committee on Giving Full Play to the Policy Effect of Housing Provident Fund to Support the Real Estate Market "Destocking" was announced at the meeting, and five new policies were clarified, specifically:
Workers' families (including husband and wife) who own a house with a building area less than 144_ and buy an improved house again can apply for housing provident fund loans and implement the housing provident fund second-home loan policy.
Flexible employees who establish housing provident fund loan conditions may apply for housing provident fund personal housing loans.
And the housing provident fund loan business in Wuhan, Nanchang, Hefei, Guangzhou, Guiyang and other cities, and further expand to other first-tier cities in China and neighboring cities outside the province.
Promote individual housing portfolio loans. Employees who meet the requirements of loan amount, loan term and minimum down payment ratio of housing provident fund loans and commercial bank housing loans can apply for housing provident fund loans and commercial bank housing loans at the same time with the same set of housing as collateral. Housing provident fund loans are audited by relevant banks in accordance with industrial housing loans.
Housing provident fund has been paid continuously for more than five years, and both husband and wife have not used housing provident fund (including withdrawal and loan) since the date of payment, and the family owns two or less houses, and the total housing construction area does not exceed 230_ _ _, so they can apply for housing provident fund loans again and implement the housing provident fund second-home loan policy.
If the first suite is less than 144_, you can apply for a second suite.
"The original personal loan policy of Changsha Provident Fund has a basic principle, that is,' one guarantee, two restrictions and three prohibitions', and now the' three prohibitions' have been appropriately liberalized." According to Lu Tong, director of the credit department of Changsha Housing Provident Fund Management Center, this policy adjustment has been relaxed and improved.
The reporter noticed that the conditions for employees' families to apply for a second suite are: the area of the first suite should be less than120 _; The new policy is relaxed to within 144_. Secondly, Changsha also launched the new policy of individual housing portfolio loan for the first time.
According to Lu Tong, in recent years, in the context of rising housing prices, the maximum amount of individual housing provident fund loans that Changsha can apply for has increased to 600,000 yuan. But not all employees' families are eligible to borrow 600 thousand. The first combination of housing provident fund, individual housing loan and commercial individual housing loan makes the use of provident fund more convenient. "At present, all the Bank of Communications and Changsha Bank in Changsha can handle individual housing portfolio loans. In the future, Changsha Housing Provident Fund Management Center will cooperate with more banks to gradually push this business forward. "
For flexible employees who have paid the housing provident fund and meet the housing provident fund loan conditions, Lu Tong said that if they buy self-occupied ordinary housing, they can apply for housing provident fund personal housing loans, and the loan conditions are the same as those of their employees; When applying for a loan, flexible employees shall determine their income according to the deposit base. If the family or individual income exceeds 5,000 yuan (inclusive), the income tax payment certificate shall be provided.
To apply for a three-suite provident fund loan, three conditions must be met at the same time.
According to the Notice, to purchase a third family suite and apply for a housing provident fund loan, three preconditions must be met at the same time, namely: the housing provident fund has been continuously deposited in Changsha Housing Provident Fund Management Center for more than five years (excluding transfer and merger from other provident fund centers); Both husband and wife have not used the housing provident fund before and after marriage and remarriage; There are no more than two existing houses in the family, and the total construction area of the house is no more than 230_ (when there is a record of 1 cancellation, the number and area of the house are not calculated; When there are 2 cancellation of housing records, the second cancellation of housing records will be included in the calculation of family housing units and area).
Some people may ask: If the area of the first suite is larger than 144_, but it still meets the above three conditions, can I still apply for a housing provident fund loan if I buy a house again? The answer is yes.
Lu Tong said that employees whose first suite area exceeds 144_ but is less than 230_, and have paid the provident fund for more than five years continuously, and both husband and wife have not used the housing provident fund, they can also apply for housing provident fund loans and implement the housing provident fund second suite loan policy.
073 1 Real Estate Research Institute published a view yesterday that the introduction of the new Changsha provident fund policy has multiple effects: First, it supports the purchase of multiple suites, continues the property market transaction, expands the loan scope, and relaxes the restrictions on improved housing consumption; Second, it shows that the easing policy in the first half of the year will continue, and the market in Changsha property market will remain optimistic in the second half of the year; Third, the implementation of portfolio loans is really to increase the loan amount, pave the way for high-end improved demand and alleviate the dilemma of high-end housing.
Second, the new policy of Guiyang provident fund loan in 2022
First, the cancellation of two housing provident fund personal housing loans must be separated by 12 months or more. Second, adjust the criteria for determining the first suite of housing provident fund loans, namely: (1) If the employee's family has settled all the housing loans at the time of application, when applying for housing provident fund loans again, the down payment ratio shall be determined according to the first suite loan, with a minimum of not less than 20%; (2) At the time of application, if the employee's family has a set of housing loans outstanding, the minimum down payment ratio for applying for housing provident fund loans shall not be less than 30%; (three) at the time of application, two or more sets of housing loans have been issued to employees' families, and they can no longer apply for housing provident fund personal housing loans; (4) If the paid employee's family has settled the provident fund loan 1 or more, when applying for the provident fund loan again, the loan interest rate is 1. 1 times of the individual housing loan interest rate of the first housing provident fund for the same period. Three, support the provident fund "and loan". Families with employees in the same house can withdraw the housing provident fund to pay for the house purchase before applying for the housing provident fund loan. Four, support the provident fund discount loans. Combined with the actual management of provincial housing provident fund, we will carry out discount loans for provincial housing provident fund. Five, this notice does not make provisions, in accordance with the existing provincial housing provident fund management measures and relevant regulations. VI. This Notice shall be interpreted by Guizhou Housing Fund Management Center and shall come into force as of the date of promulgation (July 1 day, 2022). The new policy condition of Guiyang provident fund loan is 1, with full civil capacity. 2, according to the provisions of the city (or local accounts in the field) normal, continuous and full payment of housing provident fund for more than six months. 3, good credit, stable economic income and the ability to repay the loan principal and interest. Guiyang provident fund loan materials (1) ID card, household registration book, marriage certificate (if you have reached the legal age of marriage and are not married, provide unmarried certificate or commitment letter) and other valid identification certificates. (2) 1 Used for purchasing houses, providing standardized purchase contracts, payment vouchers supervised by finance and taxation departments, or providing house purchase and sale invoices, deed tax invoices, house ownership certificates, etc. 2, construction, renovation, overhaul of housing, provide approval documents or proof of legal ownership. (3) If assessment is needed, an assessment report issued by an institution with assessment right shall be provided. (4) If one spouse of the borrower pays the housing provident fund in different places, it is required to provide a certificate issued by the local housing provident fund management center that the housing provident fund has been paid normally, continuously and in full for more than 6 months and there is no personal loan for the housing provident fund in the local area. (5) Other materials specified by Nantong Housing Provident Fund Management Center. Guiyang provident fund loan process 1. To apply for a personal loan of housing provident fund, an application shall be made to the branch of Nantong Housing Provident Fund Management Center or the entrusted bank within one year from the date of issuance of the final approval document. 2, the housing provident fund management center branch or the entrusted bank to review the application form and materials provided by the borrower, and make a decision on whether to issue loans. For those who meet the loan conditions, the sub-center of Nantong Housing Provident Fund Management Center or the entrusted bank will sign the housing provident fund loan contract and repayment agreement with the borrower, and go through the relevant loan procedures such as notarization and mortgage. 3, housing provident fund personal loan procedures completed, in principle, the entrusted bank will transfer the loan funds to the housing unit account or personal loan repayment account. The loan period of Guiyang provident fund shall not exceed 30 years, and the borrower's age plus loan period shall not exceed 65 years for men and 60 years for women. Repayment method of Guiyang provident fund loan 1, repayment method of equal principal and interest; 2. Average capital repayment method; 3. One-time repayment of principal and interest. Legal basis: Regulations on the Management of Housing Provident Fund Article 5 The housing provident fund shall be used for employees to purchase, build, renovate or overhaul their own houses, and no unit or individual may use it for other purposes. Sixth, the deposit and loan interest rate of housing provident fund was proposed by the People's Bank of China. After consulting the construction administrative department of the State Council, it was reported to the State Council for approval. Seventh, the administrative department of construction in the State Council, together with the financial department of the State Council and the People's Bank of China, formulated the housing provident fund policy and supervised its implementation.
3. What is the latest policy of Guiyang's commercial transfer to the public in 2022?
From May 1 2022, Guiyang adjusted the current policy of partial withdrawal and use of housing provident fund. Provident fund new deal:
1. The maximum amount of housing provident fund loans is adjusted from 450,000 yuan to 500,000 yuan.
2. The down payment ratio for employees' families to purchase ordinary self-occupied houses with housing provident fund loans for the first time shall not be less than 20%. Colleagues can apply for an additional down payment from the balance of individual housing provident fund.
3. For the paid workers' families (including borrowers, spouses and minor children) who have applied for a housing provident fund loan once and settled the corresponding housing loan within the administrative area of Guiyang City, if they apply for a housing provident fund loan again to improve their living conditions, the interest rate shall be implemented according to the benchmark interest rate of housing provident fund loans, with the down payment ratio of not less than 30% and the maximum loan amount of 500,000 yuan; Workers' families are not allowed to apply for the third housing provident fund loan.
4, the first use of housing provident fund to buy second-hand housing workers' families, Xing Tao construction area of less than 90 square meters, the down payment ratio shall not be less than 25%, Xing Tao construction area of more than 90 square meters, the down payment ratio shall not be less than 40%; In order to improve the living conditions, the second application for housing provident fund loans to buy second-hand housing, the down payment ratio shall not be less than 40%.
5. The calculation formula of housing provident fund loan is adjusted to: employee loan amount = employee (husband and wife) monthly salary base × 12× repayment ability coefficient (30%)× employee (husband and wife) deposit balance ×5 times. If the "employee (husband and wife) deposit balance" in the calculation formula is less than 10000 yuan, it is 65438.
4. What is the down payment for the second home loan of Guiyang Housing Provident Fund?
In the case of the second suite, the down payment of the loan required for the purchase of real estate cannot be less than 50%;
And the lowest interest rate of the second suite is 1. 1 times the benchmark interest rate.
For three or more suites, the bank that buys the property has the right to apply for a loan without paying the house price;