According to the policy, the upper limit of Liuzhou housing provident fund loan is adjusted from 400,000 yuan to 500,000 yuan.
When a family of a loan applicant who has given birth to two or more children in line with the national birth policy applies for the first set of housing provident fund loans (if there is no outstanding housing loan in the family of the loan applicant, it will be regarded as the first set), the upper limit of the housing provident fund loan amount will be increased by 654.38+ 10,000 yuan. Families of loan applicants who have two or more children in line with the national birth policy can and can only enjoy raising the upper limit of housing provident fund loans once.
For example, at this stage, the upper limit of Liuzhou housing provident fund loan is 500,000 yuan, and the upper limit of family housing provident fund loan for loan applicants who meet the national birth policy and have more than two children (inclusive) is increased by 6,543,800 yuan, that is, 5,065,438+00 = 600,000 yuan. The specific amount of housing provident fund loans is approved by the comprehensive loan amount of the provident fund center, the repayment ability of the loan applicant's family, credit status and other factors.
The verification method of housing provident fund loan amount is changed from "housing provident fund loan amount = (borrower's housing provident fund account balance and spouse's housing provident fund account balance) ×6" to "housing provident fund loan amount = borrower's housing provident fund account balance × deposit time coefficient × spouse's housing provident fund account balance × deposit time coefficient". According to the principle of multi-deposit and multi-loan, long-term deposit and multi-loan, the loan amount of housing provident fund is linked to the deposit balance and deposit time. The multiple of deposit balance is 6 times; The deposit time coefficient is increased, and the loan applicant and spouse determine the deposit time coefficient according to their respective deposit time.
At the same time, Liuzhou adjusted the down payment ratio for the second use of housing provident fund loans from "not less than 35%" to "not less than 30%".
In addition, according to the rent level of Liuzhou, the withdrawal amount of housing provident fund for leased commercial housing will be increased.
1. If a single depositor rents commercial housing, the withdrawal amount of the leased housing will be increased from 800 yuan to 900 yuan every month, and the upper limit of the annual withdrawal amount of the housing provident fund to pay the rent will be increased from 9600 yuan to 10800 yuan.
2. For married depositors who rent commercial housing, the total rent withdrawal of husband and wife is adjusted from 1.200 yuan per month to 1.300 yuan, and the upper limit of the total rent withdrawal of housing accumulation fund is raised from 1.400 yuan per year to 1.5600 yuan.
3. Actively implement the state's positive fertility support measures. For families with two or more children who are in line with the national birth policy, the total monthly withdrawal of husband and wife is adjusted from 1.200 yuan to 1.500 yuan, and the upper limit of annual withdrawal of housing provident fund to pay rent is raised from 1.400 yuan to 1.800 yuan. For the first time, families with many children need to provide materials that can reflect lineal relatives, such as Birth Medical Certificate or Household Registration Book.
4. If the depositor rents public rental housing, it shall be fully extracted according to the actual housing expenditure.