Hehe, the news is very clever. According to the news from the city housing provident fund management center, there have been changes and adjustments in the loan policy of Zhuzhou second-home provident fund recently.

The second application for housing loans, housing adjustment for 60%; For the first time, if a family without a house purchases a house with an area of less than 90 square meters (including 90 square meters, excluding second-hand houses) in Xing Tao, and reaches the minimum monthly deposit and meets the repayment ability requirements, the loan amount can reach 80% of the total house price.

Second home down payment

The new policy also stipulates that if borrowers and * * * borrowers (including spouses) apply for housing loans for the second time, the down payment ratio will be increased to 60%, and the loan interest rate will be 1. 1 times of the first housing provident fund loan interest rate in the same period. Moreover, Changsha's housing provident fund loan should be located in Zhuzhou area. According to industry analysis, the demand for new houses released this time has also relaxed the housing provident fund loans for small-sized housing.

Xing Tao area is less than 90_ "extractable and loanable" first-home provident fund.

After tightening housing provident fund loans all over the country, it finally landed. According to the new policy, if you buy a house with an interior construction area of less than 90 square meters (including 90 square meters, excluding second-hand houses) and meet the repayment ability requirements, the loan amount can reach 8% of the total house price. Increase the monthly deposit and loan amount of housing provident fund to 1 without exceeding the maximum loan limit and loan amount.

With the adjustment and implementation of the loan policy of Zhuzhou second-home provident fund, not many people have chosen provident fund in terms of loans. With the increase of annual payment, provident fund loans are gradually catching up with the first choice of housing loans.

Second, the amount of provident fund loans in Zhuzhou City, Hunan Province

—— Materials (1) provide personal identification, which can be information such as ID card, residence permit, household registration book and marriage certificate.

(2) Provide stable proof of address, house lease contract, water and electricity bills, property management and other relevant certificates;

(3) Provide stable proof of income source, bank flow sheet and labor contract.

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3. How does Zhuzhou Provident Fund shorten the loan period?

First, the process of shortening the repayment period.

Borrowers can repay part or all of the personal loan principal and interest of provident fund in advance, and there is no policy of paying liquidated damages. In case of partial or full prepayment, the interest shall be calculated on a daily basis starting from the date of lending.

(1) Partial prepayment: The entrusted bank can only accept part of its application for prepayment after the borrower has fulfilled the original loan contract for one year, and change the loan contract with it in writing, sign supplementary terms with the borrower and the guarantee institution, and inform the city center of the relevant situation in writing.

The prepayment amount of the borrower shall not be less than the repayment amount of 6 months agreed in the original loan contract; The entrusted bank shall agree with the borrower on the repayment period of the remaining loan balance after partial prepayment, which shall be shorter than the remaining period agreed in the original loan contract, and the loan interest rate shall be determined according to the repayment period already performed by the borrower plus the provident fund loan interest rate of the corresponding term grade of the remaining period; The remaining loan principal balance after partial prepayment is still returned in the way agreed in the original loan contract, and the entrusted bank recalculates the monthly repayment amount for the borrower.

(2) Full settlement in advance: If the borrower applies to repay all the loans in advance, there is no time limit. The borrower shall pay the loan principal balance, and the entrusted bank will no longer charge the loan interest, and the loan interest charged according to the loan contract will not be returned.

Second, the information needed to shorten the repayment period

To apply for shortening the repayment period, the repayment person only needs to bring the new income certificate issued by the enterprise or unit, the income flow of the last three months and the ID card to the bank to apply. The new income certificate and income flow are to prove that you have enough repayment ability, and generally the repayment amount is not more than half of your personal income.

Third, the way to apply for shortening the repayment period

1, the expected repayment period is shortened.

For example, if it is shortened to 10 year, the bank will calculate whether it meets the requirements according to the information submitted by the citizens.

2. What is the expected monthly payment of the repayment person?

For example, the monthly payment is changed from 2000 yuan to 4000 yuan, which is also calculated by the bank according to the situation of the repayment person. There is a set of calculation formula, which needs to be calculated by inputting the loan balance and years one by one. This calculation method is not available in ordinary computers.

Four, Zhuzhou provident fund loan policy

I. Relevant policies of Zhuzhou Provident Fund (1) Withdrawal policy: 1. Increase the withdrawal limit for renting houses. If my spouse and I don't have a house in the deposit city and rent a house for self-occupation, the annual rent withdrawal limit will be raised from 7200 yuan for singles to 0/0000 yuan for married couples (no longer distinguishing between singles and married employees). 2. Cancel the area extraction limit. Cancel the stipulation that the purchase, construction, renovation and overhaul of commercial housing with an area exceeding 180 square meters and the repayment of the principal and interest of the above-mentioned housing loans shall not be allowed to withdraw the housing provident fund. 3. Support buying houses outside the province. Those who buy their own houses outside Hunan Province may apply to commercial banks for house purchase, withdrawal or repayment of housing loans. Among them, the purchase of the house is based on the property certificate and the application for withdrawal is made within 2 years of 1 year. 4. Extend the time limit for two extractions. 1. Increase the extraction period of self-built housing. Employees who build their own houses and fail to apply for extraction within 2 years from the date of issuance of relevant certificates of construction project planning permission may apply for extraction within 3 years after the completion of new houses and 1 year after the issuance of real estate licenses. 2. Extend the withdrawal time limit for housing loan settlement. Workers who settle the housing loans of commercial banks or housing provident fund loans in different places shall apply for withdrawal within 3 months 1 year from the date of settlement. (2) Loan policy: 1, supporting the birth policy. If a paid employee's family who has three children according to the policy applies for a provident fund loan to buy a house, the maximum loan amount is 800,000 yuan. 2. Increase the loan amount. The maximum loanable amount of a single deposit employee is adjusted from 400,000 yuan to 600,000 yuan. The maximum loan amount for high-level talents in Zhuzhou City was adjusted from 600,000 yuan to 800,000 yuan. 3. Reduce the down payment ratio. For employees' families who own 1 apartment and have settled the corresponding provident fund loans, the minimum down payment ratio will be reduced from 50% to 30% in order to improve their living conditions. 4. Promote off-site loans. Employees who deposit in different places to apply for loans in this city can enjoy the same treatment as employees who deposit in this city, that is, cancel the household registration restrictions of borrowers or borrowers' spouses in this city; If the housing provident fund is normally paid in different places, the maximum loanable amount will be adjusted from 400,000 yuan to 600,000 yuan. 5. Relax the "monthly hedging". Cancel the restriction on the termination of the hedging agreement when the balance of the provident fund account is less than 12 times of the monthly deposit amount after the hedging takes effect. 3. The conditions required for the transfer of provident fund accounts in Zhuzhou City are as follows: 1. Workers are transferred between units in the city; 2, unit merger, division, restructuring, changes in employee labor relations; 3. Other transfer procedures are required. 4. The reasons for the closure of Zhuzhou Provident Fund account are as follows: 1. Retirement or resignation of employees; 2. The employee dies or is declared dead; 3, workers and units to terminate or terminate the labor relationship; 4. The employee and the unit temporarily suspend the wage relationship but still retain the labor relationship; 5. job transfer; 6. Others need to be sealed. Legal basis: Article 13 of the Regulations on the Management of Housing Provident Fund, the housing provident fund management center shall set up a special account for housing provident fund in the entrusted bank. The unit shall register the housing provident fund deposit with the housing provident fund management center, and go through the formalities for the establishment of housing provident fund accounts for the employees of the unit. Each employee can only have one housing provident fund account. The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund.