State-managed provident fund is different from Beijing provident fund, which refers to the housing provident fund paid by employees of state-managed units such as central state organs and units in Beijing, and also includes the housing provident fund paid by the Central directly under the authority Sub-center, which is managed by the Housing Fund Management Center of central state organs.
At present, the maximum loan amount of the first suite of the state-managed provident fund is 6.5438+0.2 million yuan.
Accept the house and the loan.
The new policy of state-controlled provident fund may be introduced next Tuesday.
According to a number of chain home sources, the state-managed provident fund will soon introduce a new policy of "recognizing housing and recognizing loans". The specific implementation time will be subject to the online signing. The online signing business will be implemented according to the new policy next Tuesday (inclusive), and the online signing will be implemented according to the old policy before.
One of the staff members said that they had informed the chain Commissioner that they were signing the bill online, and initially understood that it was "recognizing the house and repaying the loan". After that, the specific situation would not be known until the policy came out. The quota is still unclear.
The so-called "recognizing the house and recognizing the loan" depends on whether there is a house under the name of the buyer and whether there is a record of housing loans nationwide.
Another staff member confirmed the above statement and said that the main impact is on groups with existing homes or loan records. At present, people without housing and loans are not affected.
"quota changes will only reduce two sets. The first set of 1.2 million quota should not change, but it is possible to change the calculation method in the future. " The above staff said.
According to the summary of the current online news, the impact of the new national provident fund management policy is as follows:
For those who have no housing and loan records, there is no impact; If there is a house or loan record, the online signing will be completed before next Monday (inclusive), and the maximum loan can still be 6.5438+0.2 million yuan; After the online signing is completed, the maximum loan amount will be reduced. However, because the population covered by the state-managed provident fund is not very large, it is not expected to have much impact on the Beijing property market.
On September 2018 13, Beijing's new provident fund policy, known as "the strictest in history", was promulgated, stipulating that from September 17, when using provident fund loans, the policy of "recognizing housing and repaying loans" will be implemented. At the same time, in the future, provident fund loans will be linked to the deposit period, with an annual loan of 654.38+10,000 yuan, 12 year maximum loan10.2 million yuan.
Beijing provident fund relaxes the scope of buying houses in different places
Recently, however, Beijing's provident fund measures to buy houses in different places have been relaxed, that is, the scope of buying houses in different places has been expanded, from the previous hukou location and the provincial capital city where the hukou is located to the whole province where the hukou is located, the relatives' locations and Tianjin and Hebei.
In the reply of Beijing Housing Provident Fund Management Center to the hot issue 12329 in March, the question "Can I apply for a loan to buy a house outside Beijing?" How to extract? "This problem, the Beijing Housing Provident Fund Management Center pointed out:
The use of commercial bank loans and housing provident fund loans in different places to buy houses outside the administrative area of Beijing, paid workers and their spouses should have no record of buying houses within the administrative area of Beijing, and they can apply for withdrawal if they meet one of the following conditions:
(1) Purchase the ID card of oneself and spouse and the house in the province where the household registration book is located;
(2) The depositor and his/her spouse have no house in Beijing, and buy houses in Tianjin and Hebei Province or in relatives' places (such as grandma's house).
The industry believes that the relaxation of the withdrawal scope of Beijing provident fund in different places is a major positive for the property market around Beijing.