The "Notice" shows that employees' families apply for the use of pure housing provident fund loans for the first time, and the down payment ratio will be reduced from not less than 30% to 20%; If a worker's family applies for a pure housing provident fund loan to buy a house for the second time, the down payment ratio will be reduced from not less than 40% to 30%; Apply for a portfolio loan to buy a house, referring to the relevant provisions of the down payment ratio of housing loans of commercial banks.
At the same time, increase the amount of family loans for employees who have given birth to two or three children. Workers' families who have given birth to two or three children apply for housing provident fund loans in accordance with the national birth policy, and the maximum loan amount is 50 thousand yuan on the basis of the current policy.
According to the Notice on Adjusting Housing Provident Fund Loan Policy issued by Sanming Housing Provident Fund Management Committee on May 12 this year, at present, if Sanming employees' families apply for housing provident fund loans for the first time, the maximum loan amount in Sanyuan District will be adjusted to 550,000 yuan for dual employees and 400,000 yuan for single employees; The maximum loan amount of other counties (cities) remains unchanged, with 500,000 yuan for double employees and 350,000 yuan for single employees. At the same time, the interval between applying for the second housing provident fund loan is cancelled, and employees' families can apply for the second housing provident fund loan after the first housing provident fund loan (including the discount loan of the revolutionary company) is settled.
Prior to this, the Housing and Urban-Rural Development Bureau of Sanming issued the Notice of Sanming Municipal People's Government Office on Strengthening the Regulation of the Real Estate Market on May 9, announcing the suspension of the implementation of Article 2 of the Notice of Sanming Municipal People's Government Office on Strengthening the Regulation of the Real Estate Market. "Implement differentiated regulation policies", which stipulates that "Sanming urban registered residents purchase second and above commercial housing in Sanming urban area, Non-registered residents in Sanming City purchase the first set or above commercial housing in Sanming City. Enterprises, institutions, social organizations and other legal entities can transfer their newly purchased commercial housing in Sanming City after obtaining the real estate ownership certificate for three years.
This also means that since May 9, there will be no time limit for obtaining the certificate of immovable property right in the listing of second-hand houses in Sanming City, and house owners can conduct house transactions according to their own needs.