The New Deal is regarded as? Wind vane?
In the Notice on Strengthening the Differential Management of Individual Housing Provident Fund Loans of Central State Organs issued by the Housing Fund Management Center of State Organs last Friday, it was pointed out that the staff of state organs can only apply for individual housing provident fund loans again after the first individual housing provident fund loans have been settled for five years; Employees who buy a third house will not accept loan applications. After the time limit for applying for the second provident fund loan is limited, the number of people who use the provident fund loan to improve their housing will be greatly reduced. This is also regarded by many industry experts as the first real estate control policy. Although the number of people who purchase is limited, it can still be regarded as a property market policy? Wind vane? Many readers call for advice. What are the conditions for Nanjing's provident fund to apply for a second loan? Will the application threshold change in the future?
There are two algorithms for the old strategy.
According to the relevant person of Nanjing Provident Fund Management Center, in June+10, 5438, Nanjing adjusted a series of provident fund loan policies, among which the policy clauses for applying for provident fund loans again are? If the original per capita housing construction area of husband and wife and minor children is smaller than that of Nanjing, can the newly purchased ordinary housing with improved living conditions apply for housing provident fund loans again after the original housing provident fund loans are settled? . According to the data given by the statistics department at that time, the per capita housing construction area in Nanjing was 32 square meters, which has been used to this day.
Considering that some singles have a first suite area of more than 32 square meters, or both husband and wife have no children, and their first suite area is 70 to 80 square meters, then this group of people will be punished if they want to use provident fund loans again. Stuck? So, where is the Nanjing Provident Fund Center? 32 square meters per capita? In addition to leverage, it also introduces the condition that general loans can be applied for twice below 100 square meters. In this way, when using the provident fund loan for the second time, there are two algorithms: press the head or press? Bricks? If the per capita housing area of the first suite does not exceed 32 square meters, it can be refinanced; If it exceeds, but the area of the first suite does not exceed 100 square meter, you can also borrow money, which actually lowers the loan threshold.
The source said that either of these two conditions can be met, but only if the first home provident fund loan has been paid off, and the re-purchased house must be an ordinary house (the floor area ratio is greater than 1.0 and the construction area is less than 144 square meters), and both are indispensable.
The per capita area standard may be adjusted in the future.
With the gradual improvement of people's living conditions, the per capita living area is also increasing. Taking Nanjing as an example, the annual per capita housing area growth is expected to be around one or two square meters, and the per capita housing area may be close to 35 square meters. So what is the standard per capita area for applying for a second provident fund loan? A rising tide lifts all boats? Really?
Relevant persons of Nanjing Provident Fund Management Center said that as long as the statistics department releases new statistics, it is also based on the management center's own? Store water? The situation will be adjusted in due course, but we haven't received any notice. However, industry insiders said that the Nanjing property market was hot last year, with nearly 6.5438+0.9 million sets of new and second-hand houses. Too many people use the provident fund. Provident fund? Reservoir? Not as good as before? Full? Therefore, it is almost unrealistic to lower the threshold for secondary loan application in the near future.
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In three cases, you can apply for two provident fund loans.
1. If both husband and wife and minor children sell their only property and buy a house again, they can provide the first set of proof of purchase issued by the real estate department and apply for a housing provident fund loan again.
2. If the original per capita housing construction area of husband and wife and minor children is less than 32 square meters, the newly purchased ordinary housing can apply for housing provident fund loans again when the original housing provident fund loans are settled.
3. If the original housing area of the family is less than 100 square meter, the newly purchased ordinary housing can apply for the housing provident fund loan again after the original housing provident fund loan is settled.