The editor has also recently learned something about the state-managed provident fund, which has attracted more and more public attention in recent years. A series of adjustments were made in 2015, including adjusting the maximum loan limit, provident fund account balance, etc. Moreover, there is a time limit for the settlement of provident fund loans, and the approval must be completed on the 15th. The loan limit will no longer increase based on personal credit rating. The following are the details of the new policy on state-managed provident fund loans. The base amount of the state-managed provident fund is 800,000, and the credit rating is divided into A and B levels. A level can be increased by 30 (104,000) on the basis of the base amount, and B level can be increased by 15 (92,000). The above amounts are the maximum amount, and the actual loan amount depends on the following two items: 1.?Monthly income?gt;?2* (monthly repayment of property fees); 2.?Total loan amount?lt; ?House appraisal price*80. lt; gt; whichever is lower.

1. If the account balance is raised to 50,000 yuan and the borrower purchases a first self-occupied house and has not withdrawn the housing provident fund within 1 year before the loan is accepted, the original stipulated personal account balance is less than 20,000 yuan. It is calculated based on 20,000 yuan, and adjusted to calculate the balance of personal account less than 50,000 yuan as 50,000 yuan. This means that the minimum loan amount of personal provident funds has been raised to 500,000. 2. The loan limit is increased to 1.2 million. Starting from February 9, 2015, if the borrower purchases a "self-occupied commercial housing" and it is the first self-occupied house, the loan will be processed according to the policy housing, and the borrower will establish a housing provident fund account. For more than 12 months (inclusive), if you have paid the housing provident fund in full and continuously for 6 months before applying for the loan, and are in deposit status when applying, you can apply for a housing provident fund personal loan. The maximum loan limit is 1.2 million yuan. 3. Loans are processed within a time limit. If the housing provident fund personal loan application materials meet the regulations, the entrusted bank loan handling branch will accept the application and issue an acceptance slip. Housing provident fund personal loans will be reviewed and approved within 15 working days from the date of issuance of the acceptance form (excluding the time for supplementing materials due to personal reasons). Compared with the previous approval time of 20 working days, this time-limited processing system has greatly shortened the approval time.

?4. Cancel the developer guarantee. On the premise of ensuring that employees can withdraw the housing provident fund, priority will be given to meeting the loan needs for purchasing the first self-occupied house. Cancel the periodic guarantee guarantee and real estate mortgage guarantee 1.5‰ guarantee services provided by developers or housing sales units. The policy adjustments for the state-managed provident fund and the municipally-managed provident fund are similar. In terms of loan amount, for borrowers who purchase policy housing or their first self-occupied house with a floor area of ??less than 90 square meters (inclusive), the maximum loan amount is adjusted to 1.2 million yuan, and the purchase of a house with a floor area of ??90 square meters or less For the above non-policy housing or second housing, the maximum loan amount is still 800,000 yuan. ? According to expert analysis: The policy is tilted towards people with lower payment bases. Zhang Dawei, director of the Centaline Real Estate Market Research Department, said that this policy is good news for home buyers who have just started working and have low payment bases, but the overall market impact is not great: "The calculation coefficient of state-managed provident fund loans is relatively large. Calculated based on an average of 10 times, 50,000 yuan is enough to loan 500,000 yuan. But in the market situation where the average single house price in Beijing is more than 2 million yuan, young people with low deposit balances even If you can borrow 500,000 yuan, there is still a gap when buying a house. At the same time, compared with the municipal provident fund, the number of depositors of the state-managed provident fund is smaller, and the impact on the market is smaller.” The above is the editor’s opinion on the state-managed provident fund loan. . The provident fund policy was originally intended to be an employee mutual aid fund. The current policy formulation is tilted toward low-income groups, and I believe it will gain more support from the general public.

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