According to the center, if property buyers use commercial loans to buy the first suite and sell it after the loan is settled, now they are buying a new house and applying for provident fund loans. Before the above-mentioned policy adjustment, the new house he bought belonged to the second suite, and the loan amount did not exceed 6 times of the balance of the provident fund account, and the loan interest rate was 1. 1 times of the benchmark interest rate of individual housing provident fund loans. After the policy adjustment, the purchased new house belongs to the first suite, and the loanable amount does not exceed 8- 12 times of the balance of the provident fund account, and the loan interest rate is the benchmark interest rate for individual housing provident fund loans.
The notice also made it clear that after the purchaser settled the loan by purchasing the first suite with a commercial loan, he now purchased a new house and applied for a provident fund loan. According to the policy, the new house still belongs to the second suite, and the loan amount does not exceed 6 times the balance of the provident fund account. The minimum down payment ratio of the loan is 30%, and the loan interest rate is 1. 1 times the benchmark interest rate of the individual housing provident fund loan. If you applied for a commercial loan when you bought the first suite, but you are still buying a new house after repayment and applied for a provident fund loan, the new house still belongs to the second suite, and the loan amount does not exceed 6 times the balance of the provident fund account. The minimum down payment ratio of the loan is 50%, and the loan interest rate is 1. 1 times the benchmark interest rate of the individual housing provident fund loan.
Beijing News reporter Zhang Jian
Editor Yuan Xiuli proofreads Liu Baoqing.