(Reporter Yuan Xiuli) On June 5438+February 2 1 day, Tianjin Housing Provident Fund Management Center issued the Notice on Adjusting the Relevant Policies for Withdrawing Housing Provident Fund and Personal Housing Provident Fund Loans (hereinafter referred to as the Notice), which adjusted the minimum down payment ratio for applying for provident fund loans to purchase a second family house.
The "Notice" stipulates that employees who apply for personal housing provident fund loans to purchase a second house in Tianjin should pay a down payment of not less than 40% of the housing transaction price. Previously, the minimum down payment ratio for employees applying for provident fund loans to buy a second family house was 60%.
In addition, Tianjin employees raising two or more minor children who meet the conditions for renting a house to withdraw housing provident fund can withdraw housing provident fund according to actual rental expenses; If you apply for a personal housing provident fund loan to buy the first family home, the maximum loan amount will rise by 20% on the basis of the unified loan amount in Tianjin. Raising two or more minor children means raising two or more children and at least one child is underage.
It is reported that the notice will come into force on February 26, 2022 and be abolished on February 25, 2027.
Conditions for Tianjin provident fund loan of 800,000 yuan
Recently, the city issued the "Notice on Adjusting Policies Related to Housing Provident Fund". The "Notice" clarifies that if employees in our city apply for personal housing provident fund loans to purchase the first family housing, the maximum loan amount will be raised from 600,000 yuan to 800,000 yuan. This notice shall come into force as of May 27, 2022. If the loan acceptance date is before May 27, 2022, it shall be implemented according to the policy before the implementation of this notice; If it is accepted after May 27, 2022 (including that day), this notice shall prevail.
The "Notice" has increased the support for employees to rent affordable rental housing. Employees who have paid the housing provident fund in full for 3 consecutive months and rented affordable rental houses in our city may apply for withdrawal of the housing provident fund, and the total monthly withdrawal shall not exceed the rent paid in the current month, and the total amount shall not exceed 2,400 yuan.
In order to ensure that employees can get loans in time when the capital utilization rate is high, the Notice stipulates a two-stage adjustment mechanism for the maximum amount of the first home loan: if the capital utilization rate of the housing provident fund in our city exceeds 90% for three consecutive months, the municipal housing provident fund management center will report to the office of the municipal housing provident fund management Committee and announce it to the public, and the maximum amount of the first home loan will be reduced to 600,000 yuan from the next month 1 day; If the utilization rate of housing provident fund funds is less than 85% for three consecutive months, the municipal housing provident fund management center will increase the maximum amount of the first set of housing loans to 800,000 yuan according to the same procedure.
City Housing Provident Fund Management Center reminds employees that if employees apply for personal housing provident fund loans to buy a second family house, the maximum loan amount will remain unchanged at 400,000 yuan; The purchase of the third and above housing, individual housing provident fund loans will not be issued.
New Policy of Tianjin Provident Fund Loan 2022
1. Provident Fund Policy:
The first and second methods of identifying pure provident fund
The first episode:
Withdrawal doesn't count. I don't have a house in this city. I don't have a provident fund loan record or have never participated in it before.
Spouse provident fund loans can be considered as the first set, and the settled pure mortgage loans are not considered as sets.
Two sets:
If you don't have a house in this city, but you have a provident fund loan record or a former spouse's provident fund loan record, or you have a house in Tianjin, you will be counted as two sets.
Unprocessed:
There have been two records of provident fund loans, and no provident fund loans will be issued.
The policy was implemented on May 8, 2022.
On May 27th, the maximum loan of the first set of provident fund was adjusted to 800,000, and the second set was still 400,000.
Tianjin Housing Provident Fund Management Center announced the notice on adjusting relevant policies of housing provident fund.
If employees in this city apply for personal housing provident fund loans to buy the first family home, the maximum loan amount is 800,000 yuan.
It shall come into force as of May 27, 2022.
Two. Adjustment of loan interest rate:
Since mid-May, the loan policy has been biased towards the first batch of customers.
In May 15, the first set of interest rates can be lowered by 20 basis points.
On the afternoon of May 17, most banks in Tianjin have officially lowered the interest rate of the first home loan to 4.4%(lpr-20 basis points).
On May 20th, the LPR over five years was 4.45%, down by 15 basis points. The first one-year period was not adjusted, only five years.
The first interest rate is 4.25% and the second interest rate is 5.05%.
The interest rate of the first home loan dropped from 4.9% to 4.25%, down by 65 basis points.
Tianjin provident fund loan new policy 2022 interest rate
Hello, according to the latest policy of Tianjin Housing Provident Fund Management Center, the interest rate of housing provident fund loans in 2022 is 4.35%, which is lower than 4.75% in 2020. In addition, Tianjin Housing Provident Fund Management Center also proposed that the minimum amount of housing provident fund loans in 2022 is 200,000 yuan, the maximum amount is 2 million yuan, and the longest loan period is 30 years. The loan interest rate fluctuates according to the market interest rate, with the maximum not exceeding 7.5%. In addition, in 2022, housing provident fund loans will also support the purchase of commercial housing, self-built houses, and renovated houses. Lenders can choose the appropriate loan scheme according to their actual situation.
Tianjin provident fund loan policy
The payment of housing provident fund is a great boon to those who need to buy a house. The state has introduced a series of measures to improve our housing problem, among which the provident fund loan policy is one of the measures, which has given greater support to the understanding of buying a house and greatly increased people's pressure to buy a house. Let's take a look at the content of Tianjin provident fund loan policy with a usage map.
1. What is the Tianjin provident fund loan policy?
The basic conditions for applying for provident fund loans are:
1, with permanent residence in this city or other valid residence status in this city;
2. Have full capacity for civil conduct, have a stable occupation and income, have the ability to repay the principal and interest of the loan, and have good credit;
3, did not reach the statutory retirement age (otherwise stipulated by the state can be extended, according to its provisions, but not more than 65 years old); The legal retirement age is generally 55 for women and 60 for men;
4. Open a housing provident fund account for more than 1 year, and continuously deposit the housing provident fund for more than 1 year before applying for a housing provident fund loan, and the employer does not owe it;
5. I have no outstanding provident fund loans;
6. Purchase, build, renovate and overhaul self-owned houses within the administrative area of this Municipality; Among them, the construction, renovation and overhaul of self-owned housing refers to the construction, renovation and overhaul of self-owned housing by workers on rural collective land; The construction and renovation of houses must have the approval documents of the planning and land management departments; Overhaul housing, there must be a document approved by the planning and management department.
Workers have used their spouses' housing provident fund to apply for housing provident fund loans, and spouses cannot apply for housing provident fund loans before the loans are paid off.
Second, the loan process
(1) Personal data
Borrowers should provide personal information when applying for loans, and also provide relevant information if they have spouses, minor children or other buyers.
1. Borrower and spouse
1) ID card of the borrower and spouse (if the ID card is lost or expired, provide a photo ID card issued by the household registration administration department in temporary id card or the place where the household registration is located) and 4 copies. If the spouse is an officer or soldier, provide an officer's card or soldier's card and 3 copies; If the spouse is a non-China citizen or an overseas Chinese from Hong Kong, Macao and Taiwan, a passport and 3 copies shall be provided.
2) The household registration book or marriage certificate issued by the civil affairs department and 3 copies.
3) Housing accumulation fund of the borrower and spouse.
4) The official seal of the borrower and spouse.
5) Two copies of the borrower's residence booklet or blue printed residence booklet or temporary residence permit.