Follow up and execute!

10 from 10 month 1

The loan interest rate of Quanzhou provident fund for more than 5 years is lowered to 3. 1%.

5 years and below to 2.6%

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I learned from Quanzhou Provident Fund Center,

Quanzhou has clearly followed up and implemented it.

The People's Bank of China decided to lower the interest rate of the first individual housing provident fund loan.

Notification requirements.

Namely:

From June 65438+1 October1day, 2022, Quanzhou lowered the interest rate of the first individual housing provident fund loan by 0. 15 percentage point, and adjusted the interest rates for less than 5 years (including 5 years) and more than 5 years to 2.6% and 3. 1% respectively.

The second set of personal housing provident fund loan interest rate policy remains unchanged, that is, the interest rates for less than five years (including five years) and more than five years are not less than 3.025% and 3.575% respectively.

It is reported that according to the notice requirement of "The People's Bank of China decides to lower the interest rate of the first set of individual housing provident fund loans", after the interest rate of individual housing provident fund loans is lowered,

Customers who newly purchase the first housing provident fund loan in Quanzhou, 10- 1 can enjoy this discount.

At present, the housing provident fund policies implemented in Quanzhou are as follows

1, allowing withdrawal of provident fund for down payment.

Where the purchase of new commercial housing in the administrative area of Quanzhou, the purchase staff (including * * * property owners), spouses and immediate family members.

You can withdraw the housing provident fund to pay the down payment for buying a house.

In order to further reduce the pressure of paying down payment funds and facilitate employees to buy new commercial housing.

2. Determination of the first suite and down payment ratio

Quanzhou's current provident fund loan is

"recognize housing and loan"

Yes, this is the premise of determining how much down payment you need to pay. At the same time, we should use provident fund loans,

It must be paid continuously for more than one year (12 months).

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Down payment ratio of the first suite: 20%

The down payment ratio of the second suite: 30%

Three or more sets: no loans.

Note: The down payment ratio policy adjustment will be implemented from June 23rd, 2022 to June 65438+February 3rd, 20221.

3. Loan interest rate

The first suite:

The annual interest rate is 2.6% within 5 years and 3.1%for more than 5 years;

The second suite:

The interest rates for less than 5 years (including 5 years) and more than 5 years are not less than 3.025% and 3.575% respectively.

4. Increase the maximum amount of housing provident fund loans.

If both husband and wife of the borrower deposit housing provident fund,

The maximum loan amount is adjusted from 600,000 yuan to 800,000 yuan.

Unilateral payment of housing provident fund,

The maximum loan amount is adjusted from 400,000 yuan to 500,000 yuan.

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Time limit:

This policy adjustment will be implemented as of the date of issuance.

The policy of increasing the maximum loan amount will be implemented until June 65438+February 3, 20221.

Increase the maximum loan amount for families with two or three children;

If an employee's family who has given birth to and raised two or more children applies for housing provident fund loans and meets other loan application conditions, the amount of housing provident fund loans is.

On the basis of the maximum loan amount, it increased by 654.38 million yuan.

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5. Provident funds can be loaned in different places.

Quanzhou can now use the provident fund for loans in different places.

(Eligible: 1 Quanzhou hukou bought a house in Quanzhou, and the provident fund has been paid in other places 12 months).