On July 25, it was learned from the Housing Provident Fund Management Center of Luzhou City, Sichuan Province that Luzhou City implemented a phased policy of reducing the down payment ratio of provident fund loans.
According to the New Deal, paid-in workers' families use housing provident fund loans to purchase the first set of ordinary self-occupied housing. If the purchased house is newly built, the minimum down payment ratio will be reduced from 30% to 20%. If the purchased house is a re-traded house, the minimum down payment ratio will be reduced from 40% to 30%.
For families whose paid employees use housing provident fund loans to purchase improved ordinary self-occupied houses, if the houses purchased are new houses, the minimum down payment ratio will be reduced from 50% to 30%; If the purchased house is a re-traded house, the minimum down payment ratio will be reduced from 50% to 40%.
The New Deal shows that the above policies are phased support measures and are valid until April 30, 2023.
Prior to this, on May 18, "Luzhou released" news, and five departments, including the Housing and Urban-Rural Development Bureau of Luzhou City, Sichuan Province, jointly issued "Several Measures to Promote the Stable and Healthy Development of the Real Estate Market (Trial)" (referred to as "Measures"), proposing measures including optimizing land transfer conditions, adjusting and implementing tax policies, meeting reasonable credit demand, and adjusting provident fund loan policies 15.
In terms of adjusting the provident fund loan policy, the "Measures" mentioned that the criteria for determining the number of housing units for provident fund loans should be optimized, and "recognizing loans but not recognizing houses" should be implemented; The maximum amount of the first home provident fund loan will be raised to 600,000 yuan for dual employees and 500,000 yuan for single employees.
In terms of supporting reasonable housing demand, the Measures clearly stipulate that for active servicemen, ex-servicemen, rural registered residents of Luzhou City, non-registered residents of Luzhou City, graduates of universities (including junior colleges and undergraduates) who have graduated less than five years, and families who have given birth to two or three children according to the national birth policy, if they purchase the first or two sets of new commercial housing within the construction land of the central city, they will be given a one-time housing subsidy of 2% of the total purchase price.
Leshan, Sichuan: The maximum loan for housing provident fund loan is 500,000 yuan.
(Reporter Ji Simin) On May 1 day, this newspaper learned from the Housing Provident Fund Management Center of Leshan City, Sichuan Province that recently, the Housing Provident Fund Management Committee of Leshan City issued the Notice on Defining the Loan and Withdrawal Policy of Housing Provident Fund in Our City (hereinafter referred to as the Notice). Since May 1 year, housing provident fund loans have been recognized as "only loans but not houses", with the maximum loan amount of provident fund.
The "Notice" shows that in order to adhere to the general tone of the work of "keeping the word steady and striving for progress in stability", in accordance with the central government's positioning of "housing and not speculating", the policies and measures for steady growth of the municipal party Committee and the municipal government have been effectively implemented, and the housing provident fund loan and withdrawal policy of Leshan City has been adjusted after research by the Municipal Provident Fund Management Committee.
In terms of the recognition standard of housing provident fund loans "only recognizing loans but not recognizing houses", the Notice mentioned that if there is no housing provident fund loan record and no outstanding housing commercial loans, it will be implemented according to the first suite policy; If there are records of housing provident fund loans that have been settled or commercial housing loans that have not been settled, it shall be implemented according to the second home loan policy. The loan records shall be subject to the personal credit report of the People's Bank of China and the records of the housing provident fund business management system.
In addition, the notice pointed out that the Administrative Measures for Individual Housing Loans of Leshan Housing Provident Fund (Lezhu Gong Wei [2020] 1No.) stipulates that the calculation formula of the loan amount is: (the normal deposit balance of the borrower's housing provident fund is the same as that of the applicant's housing provident fund) ×××
Among them, "deposit time coefficient" means that when applying for provident fund loans, the continuous normal deposit time is 12 months or less, and the deposit time coefficient is 0.7; If the continuous normal deposit time is 13 months or more, the deposit time coefficient is 1. Multiply is 20 times.
The maximum loan amount of the provident fund has not been adjusted. According to the notice, if both the applicant and the spouse pay the housing provident fund, the maximum loan amount is 500,000 yuan; If the applicant unilaterally pays the housing provident fund, the maximum loan amount is 400,000 yuan; The final loan amount is subject to the amount after the submitted loan information is approved.
In terms of employee rental extraction standard, the extraction standard for single paid employees is 10000 yuan/year; The extractable standard for married paid employees is 15000 yuan/year.
Sichuan Ziyang adjusts the housing accumulation fund policy: the minimum down payment ratio of the first suite is 20%.
On April 1 1, this newspaper learned from the Ziyang Housing Provident Fund Management Center in Sichuan that the Ziyang Housing Provident Fund Management Committee recently issued the Notice on Adjusting the Use Policy of Some Housing Provident Funds in Our City (hereinafter referred to as the Notice).
The "Notice" clearly increases the loan amount. If both husband and wife pay the housing provident fund, the maximum loan amount is 600,000 yuan; If the employee's family pays the housing provident fund unilaterally, the maximum loan amount is 400,000 yuan; High-level talents uniformly introduced and recognized by organizations and social departments have a maximum loan amount of 700,000 yuan.
At the same time, the notice mentioned reducing the down payment ratio. If employees buy new commercial housing (including pre-sale housing and existing housing), which belongs to the first set of ordinary self-occupied housing, the minimum down payment ratio is 20%; For two improved houses, the minimum down payment ratio is 30%. The purchase of re-traded housing belongs to the first set of ordinary self-occupied housing, and the minimum down payment ratio is 30%; The minimum down payment ratio for the second set of improved housing is 40%.
According to Jingzhou Daily, in order to support workers' demand for improved housing, Jingzhou, Hubei Province reduced the down payment ratio of the second home loan from 40% to 30%. Support second-hand housing transactions, and the down payment ratio of second-hand housing loans will be reduced from 40% to 30%.
Chen Wenjing, director of market research of the Index Division of the Central Academy of Sciences, pointed out that since the first quarter, in order to implement the central government's policy orientation of supporting reasonable housing demand, many cities have introduced provident fund policies. In combination with the population policy, some cities have strengthened housing support for families with two children and three children, intensified demand-side adjustment, released potential reasonable demand, and stabilized the expectations of buyers. In the future, more cities may follow up and optimize the adjustment of provident fund policies, such as reducing the down payment ratio and increasing the amount of provident fund loans. At the same time, the combination of housing policy and population policy is also an important direction.