The notice pointed out that in accordance with the general tone of the Central Economic Work Conference, we should continue to do a good job of "six stabilities" and "six guarantees", continuously improve people's livelihood, adhere to the positioning that "houses are used for living, not for speculation", and establish a housing system with both rent and purchase. In order to meet the multi-level and reasonable housing needs of paid employees, the relevant policies of housing provident fund should be adjusted in light of the actual situation in Wuxi.
The "Notice" mentioned that if employees and their spouses do not own their own houses and rent commercial housing within the administrative area of this Municipality, it will be raised to15,000 yuan per person per year. Cancel the restriction that the housing provident fund has been withdrawn due to the purchase, construction and overhaul of self-occupied housing, and the loan repayment record under the name cannot be used for renting.
At the same time, increase the loan limit of provident fund loans to purchase the first set of self-occupied housing.
The "Notice" clarifies that the maximum loan amount for the paid employee families who apply for provident fund loans for the first time to purchase the first set of self-occupied housing is adjusted to 500,000 yuan, and the borrower himself meets the loan conditions; If both the borrower and spouse meet the loan conditions, the maximum loan amount will be adjusted to 800,000 yuan.
For Wuxi registered families with two or three children, if they apply for provident fund loans for the first time to buy the first self-occupied housing, the loan amount may not be linked to the borrower's provident fund deposit period and deposit balance. If the borrower meets the loan conditions, the maximum loan amount will be adjusted to 600,000 yuan; If both the borrower and the spouse meet the loan conditions, the maximum loan amount will be adjusted to 6,543,800 yuan.
Previously, the provident fund loan policy implemented in Wuxi began on 20 19. The Opinions on Further Standardizing and Perfecting Wuxi Housing Provident Fund Policy issued by Wuxi Housing Provident Fund Management Center on September 25, 20 19 adjusted the amount of provident fund loans: the maximum personal loan amount was adjusted from 500,000 yuan to 300,000 yuan; The maximum amount of husband and wife is adjusted from 800,000 yuan to 600,000 yuan; The loan amount is linked to the borrower's repayment ability: the monthly repayment amount shall not exceed 60% of the monthly income of the borrower and his spouse.
It is worth mentioning that on the same day, the Health and Wellness Committee of Wuxi City, Jiangsu Province issued the Notice on Actively Promoting Families with Two or More Children to Improve their Living Conditions, clarifying that families with two or more children registered in Wuxi City can purchase a new set of commercial housing in the restricted purchase area.
The above-mentioned new regulations mentioned that families with two or more children who are willing to improve their living conditions should go to the street (town) where they live with their ID cards and birth medical certificates to apply for family certificates with two or more children, so as to enjoy relevant support policies.