What is the latest loan amount and down payment ratio of Jiujiang housing provident fund?
The ninth plenary session of Jiujiang Housing Provident Fund Management Committee decided to make the following adjustments to Jiujiang housing provident fund loan policy:
First, the maximum amount of housing provident fund loans has been raised from 350,000 yuan to 500,000 yuan.
In order to support workers' demand for improved housing purchase, according to the price level of commercial housing in Jiujiang, it is proposed to increase the maximum amount of housing provident fund loans in Jiujiang to 500,000 yuan, specifically:
(1) In the central city (including Xunyang District, Lushan District and Development Zone), the maximum amount of personal loans for housing provident fund will be raised to 500,000 yuan/household for families whose husband and wife have paid housing provident fund, and to 400,000 yuan/household for families whose husband and wife have paid housing provident fund;
(II) The maximum amount of personal loans for housing provident fund in counties (cities) will be raised to 400,000 yuan/household for families where both husband and wife have paid housing provident fund, and 300,000 yuan/household for families where one husband and wife has paid housing provident fund.
Second, the minimum down payment ratio for purchasing the first home was adjusted from 30% to 20%.
The paid employee families use the housing provident fund to entrust loans to purchase the first set of ordinary self-occupied housing, and the minimum down payment ratio is 20%; For workers' families who own 1 apartment and have settled the corresponding housing provident fund loans, in order to improve their living conditions, they apply for housing provident fund entrusted loans to buy ordinary self-occupied houses again, with the minimum down payment ratio of 30% and the loan interest rate as the benchmark interest rate.
Third, extend the loan term.
The longest term of housing provident fund loans is 30 years, which can be extended to 5 years after the statutory retirement age.
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