Loan Policy of Chengdu Second Suite Provident Fund
Limited to the families of paid workers whose existing housing construction area is below 144 square meters (including 144 square meters), the purpose of the loan is limited to the purchase of ordinary self-occupied housing with improved living conditions.
10 to 1, Chengdu will implement the newly revised Measures for the Administration of Deposit, Withdrawal and Loan of Housing Provident Fund. Property buyers who intend to use the provident fund, please read the Detailed Rules for the Implementation of the Measures for the Administration of Individual Housing Loans of Chengdu Housing Provident Fund carefully to see how to use the provident fund effectively.
The account balance reaches 20,000 yuan, and the maximum loan is 400,000 yuan.
The Detailed Rules for the Implementation adjusted the calculation formula of the loan amount, further highlighting the principle of "equality of responsibilities and rights". According to the new loan quota calculation formula, if an employee needs a loan quota of up to 400,000 yuan, the balance of his account in the last month when he applies for a loan needs to reach 20,000 yuan. It is understood that at present, the average annual payment of employees in Chengdu is 1.3 1 1,000 yuan, and the average loan amount is 258,000 yuan.
Prior to this, the newly revised "Chengdu Housing Provident Fund Deposit, Withdrawal and Loan Management Measures" clearly stipulated that the amount of a single loan should not exceed 70% of the total value of the purchased house.
The down payment for the first suite is 32%, and the down payment for the suite is not less than 50%.
The new method stipulates that the loan period is 20 years and the first suite is down payment of 30%. If you buy a second house and apply for a provident fund loan, the down payment shall not be less than 50% of the value of the house purchased, and the loan interest rate shall be 1. 1 times the interest rate of the first provident fund loan in the same period.
At the same time, in order to embody the principle of humanization and reduce the pressure of monthly payment for retired employees, the implementation rules appropriately relax the loan period for some employees. For borrowers who are within five years (including five years) from the statutory retirement age, have good repayment ability, good personal credit and can effectively implement post-loan management, with the approval of Chengdu Provident Fund Center, the loan period can be appropriately relaxed to 1-5 years after retirement. If the loan period is extended to retirement, the balance of housing provident fund in my account can only be withdrawn after paying off all the loan principal and interest. The existing housing area of the second home loan must be less than 144 square meters.
The scope of the loan is clearly defined as provident fund loans, which are used in principle to purchase ordinary housing within the administrative area of this Municipality, with emphasis on supporting low-and middle-income workers to purchase small and medium-sized apartments and low-priced ordinary housing.
The "Detailed Rules for Implementation" stipulates that the provident fund loans for the purchase of a second house are limited to paid-in workers' families whose existing housing construction area is below 144 square meters (including 144 square meters), and the loan purposes are limited to the purchase of ordinary self-occupied houses with improved living conditions.
The new individual housing provident fund loan contract also adds the following clauses: Except for statutory reasons, if the borrower fails to pay the housing provident fund for more than six months after handling the housing provident fund loan, Chengdu Provident Fund Center has the right to charge the borrower a penalty interest according to the actual situation, and the penalty interest rate is 50% higher than the loan interest rate executed in the contract; Have the right to announce the immediate maturity of the loan and require the borrower to pay off the principal and interest of the loan and related expenses immediately.
The new extraction management method provides for the current phenomenon of defrauding the extraction of housing provident fund, and if the situation of defrauding housing provident fund is true, it will be returned; If the case constitutes a crime, it shall be handed over to judicial organs for handling. Register the bad behavior of employees who defraud the housing provident fund and notify the employee units, and at the same time restrict them from handling the provident fund-related business within a certain period of time.
There are more and more kinds of extraction services, and the ways of using them are more and more extensive.
Housing consumption extraction is an important way for housing provident fund to support employees' basic housing needs. From June to August this year, Chengdu Provident Fund Center withdrew 4.9 billion yuan from employees' housing consumption. In recent years, services such as critical illness extraction and rent extraction have also been launched.
In the revision of the extraction management measures, rent extraction and serious illness extraction are clearly written into the management measures, and at the same time, the extraction business of major natural disasters is added, and the specific rules need to be further formulated.
(The above answers were published on 20 14-06- 19. Please refer to the actual situation for the current purchase policy. )
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