The provident fund policy was previously partially adjusted on June 28, 2019 (our city adjusted part of the housing provident fund withdrawal loan policy). The main changes are as follows:

1. Increase in out-of-town house purchases Extraction condition restrictions. Employees withdraw housing provident funds to purchase, construct, renovate, overhaul their own homes or repay the principal and interest of self-occupied housing loans. The location of the self-occupied housing must be the place of residence or work of the person or his or her spouse.

2. After the employee terminates the labor relationship with the employer and leaves Xiamen, the housing provident fund account must be "sealed" for half a year before it can be withdrawn or transferred to another place. When an employee terminates the labor relationship with his or her unit, the housing provident fund account must be sealed. If an employee goes to work in a different place, opens a housing provident fund account and makes steady contributions for more than six months, he or she should apply for a transfer to another place; if a non-Xiamen employee does not make a deposit in a different place, he or she can withdraw it after the housing provident fund has been sealed for half a year.

It needs to be reminded that the original regulations "employees registered in other places who withdraw housing provident funds after leaving the city shall not apply for withdrawal again for the same reason within two years. If the housing provident funds paid in other places are transferred to this city for less than one year , the transferred funds shall not be withdrawn according to these withdrawal matters" and the two policies "if registered employees in this city have been unemployed for two consecutive years and have not re-employed, they can withdraw the housing provident fund" will continue to be retained.

3. Housing provident fund loans implement differentiated credit policies. Employee families that meet the qualifications for commercial personal housing loans in our city, have no outstanding housing provident fund loans, and have no record of two or more housing provident fund loans can apply for housing provident fund loans. The down payment ratio of housing provident fund loans shall be based on the down payment ratio standards of personal housing loans of commercial banks in our city during the same period. The housing loan records include the housing provident fund loan records of our city (including corporate loans) and the housing loan records reflected in the personal credit report of the People's Bank of China; When the down payment ratio standards for personal housing loans of commercial banks in our city change, they will be adjusted accordingly.

4. Implement dynamic management of off-site loan business and commercial-to-public loan business. When the liquidity adjustment coefficient is lower than 1, the off-site loan business and the business-to-business loan business are suspended; when the liquidity adjustment coefficient is higher than (inclusive) 1, the off-site loan business and the business-to-business loan business are resumed.

(2) Strict loan qualifications

Loan conditions: The core requirement for a loan is that the housing provident fund should be paid in full and continuously 12 months before applying for a loan, and the housing provident fund should be paid continuously when applying for a loan. state. And personal credit is good.

As of the time of loan application, the maximum number of overdue periods for personal loans in the previous two years shall not exceed 3 periods (inclusive), and the cumulative number of overdue periods shall not exceed 6 times (inclusive). Overdue periods caused by reasons other than those of the borrower are not included. .

Change 1: Loan qualifications have been adjusted

The original policy stipulates that employee families with no outstanding housing provident fund loans and no records of two or more housing provident fund loans can apply for the loan. Apply for a housing provident fund loan.

After the policy adjustment, in addition to meeting the loan qualifications stipulated in the original policy, employee families should also meet the city's commercial personal housing loan qualifications.

Change 2: A differentiated credit policy will be implemented, and the down payment ratio standard will be adjusted

The original policy stipulates that for those who apply for a housing provident fund loan to purchase a house for the first time, the building area of ??the house must be 90 square meters (inclusive) ) The down payment ratio is not less than 20% of the total price of the house; the down payment ratio for the house with a building area of ??more than 90 square meters is not less than 30%; when applying for a housing provident fund loan to purchase a house for the second time, the down payment ratio is not less than the total price of the house. 50 of the price. Housing provident fund loans will not be granted to employee families that apply for housing provident fund loans for the third time or more.

After the policy adjustment, the down payment ratio standards will be implemented in accordance with the down payment ratio standards for personal housing loans of commercial banks in our city during the same period. The housing loan records include the city’s housing provident fund loan records (including public transfer loans) and the People’s Bank of China Housing loan records reflected in personal credit reports. In the future, when the down payment ratio standards for personal housing loans of commercial banks in our city change, the down payment ratio of housing provident fund loans will be adjusted accordingly.

However, the housing provident fund loan interest rate policy remains unchanged. That is, when an employee family applies for a housing provident fund loan to purchase a house for the first time, the loan interest rate is based on the housing provident fund loan benchmark interest rate; when it applies for a housing provident fund loan to purchase a house for the second time, the loan interest rate is based on The housing provident fund loan benchmark interest rate is 1.1 times.

no: 2. Purchase restriction and sales restriction policy

The current house purchase policy implemented in Xiamen is to implement purchase restrictions to varying degrees for different groups.

(1) Purchase Restrictions

Starting from October 5, 2016, Xiamen City has further strictly implemented the housing purchase restriction policy, and has imposed restrictions on commercial housing with a construction area of ??180 square meters or less within the administrative area. Residential property purchases are restricted.

Screenshot of the document "Opinions of the General Office of the Xiamen Municipal People's Government on Further Promoting the Stable and Healthy Development of the Real Estate Market in Our City"

For the following three types of residential households, the suspension of housing sales within this administrative region It sells commercial housing with a construction area of ??180 square meters and below.

(1) Families registered in this city that own two or more houses;

(2) Families that are not registered residents in this city that own one or more houses;

(3) Families who are not registered residents of this city and cannot provide proof of paying personal income tax or social insurance in this city on a monthly basis for more than 2 years in the 3 years before the date of house purchase.

The above-mentioned commercial housing includes newly built commercial housing and existing housing (second-hand housing). The transaction time is determined as follows: the purchase of new commercial housing is based on the time when the commercial housing sales contract is submitted for online signing, and the purchase and sale of existing housing (second-hand housing) is based on the business receipt time of the Municipal Real Estate Registration Center.

a Households registered in this city

Without a house: you can buy two suites

Have a house: you can buy one suite

Have two houses Housing or above: not allowed to buy a house

Adult singles (including divorced) with household registration in this city are limited to purchasing one house

Note: How to determine whether they have household registration in this city?

Xiamen household refers to a family where at least one of the husband and wife members has Xiamen household registration (including collective household registration), which is regarded as a Xiamen household.

Tips: I, my spouse, and children under the age of 18 are considered one family. Children over 18 years old are not included in the calculation. If they are qualified to buy a house, they can be regarded as single persons purchasing real estate.

b Households not registered in this city

Without a house: You can buy a house. Must pay personal income tax or social security in this city for more than three consecutive months every month within 4 years

Have one or more houses: not allowed to buy a house

c After transferring the house by gift, buy a house again Requires 3 years

(2) Sales restriction

If you purchase a new house, it must be 2 years after obtaining the property ownership certificate before it can be listed for trading

no: 3 Commercial loan policy

The commercial loan policy currently implemented in Xiamen is: roughly approving a house and approving a loan.

Among them, for the first-time loan purchase of ordinary commercial housing by the home-buying family, the down payment ratio shall not be less than 30%;

For the home-buying family with an outstanding housing loan in their name, If you apply for a loan to purchase ordinary commercial housing, the down payment ratio shall not be less than 60%; if you apply for a loan to purchase non-ordinary commercial housing, the down payment ratio shall not be less than 70%.

no: 4 house buying process and tax guide

(1) House buying process

1. Choose a house

Buy a house according to your own needs Intention, circle the intended properties, and go to the marketing center to view the properties and conduct on-site inspections of the properties.

2. House Subscription

After understanding the project, subscribe for the house, pay the deposit, and sign a subscription agreement.

3. Signing the contract

Go to the marketing center with your ID/household register/marriage certificate (single certificate) and other documents, and follow the online signing process to sign the contract first and then pay the down payment.

4. Loans

If you need to apply for a loan, bring the house purchase contract/down payment invoice/identity certificate/household register/marriage certificate of the couple (single certificate)/income certificate and other documents. Bank, sign a loan agreement with the bank.

5. House delivery

The owner waits patiently for the developer's notice of house delivery, and takes the house purchase contract/house purchase invoice/ID card and other documents to the delivery location notified by the developer to take possession of the house.

6. Apply for the Property Rights Certificate

Within the time specified in the contract, the home buyer needs to cooperate with the developer to go to the Housing Registration Management Office to complete the tax payment and apply for the "House Property Rights Certificate".

(2) Tax guide

Many people know that buying a house requires a down payment, but they may not know much about other expenses of buying a house. Let’s take a look at what fees you need to pay when buying a new house or a second-hand house!

The taxes and fees you need to pay when buying a new house or a second-hand house are different.

(1) New house

1. Deed tax

For the first or second house, the house area is ≤90 square meters, the deed tax is 1.

The area of ??the first house is >90 square meters, and the deed tax is 1.5.

The area of ??the second suite is >90 square meters, and the deed tax is RMB 2.

Note that the deed tax for a new house is calculated based on the transaction price of the house, that is, the transaction price multiplied by the corresponding deed tax ratio.

2. Other fees

The stamp tax for warrants is 5 yuan/household, the registration fee for warrants is 80 yuan/set, and the non-residential fee is 550 yuan/set.