In terms of increasing the maximum loan amount of housing provident fund, the Notice clearly stipulates that the maximum loan amount of housing provident fund loans in Changsha will be increased from 600,000 yuan to 700,000 yuan, and the maximum loan amount of housing provident fund loans for three-child families will be increased to 800,000 yuan.
At the same time, focus on supporting the depositor's demand for purchasing the first suite. Implement a phased "loanable" policy for the first suite. In order to help depositors to alleviate the pressure of buying houses under the influence of the epidemic, the Notice clarifies that from the date of implementation of the policy to February 3, 20221,employees' families can apply for provident fund loans or purchase the first suite housing, and the total withdrawal amount of the same set of housing shall not exceed the down payment. If you apply for house purchase withdrawal after the loan is successfully processed, the housing provident fund account of both husband and wife should keep enough housing provident fund loan repayment amount 12 months.
In meeting the reasonable demand for improved housing, the Notice proposes to reduce the down payment ratio of the second suite. In order to support employees to improve their living environment, the minimum down payment ratio will be adjusted from 60% to 40% if employees' families apply for housing provident fund loans by purchasing second suites.
At the same time, cancel the area limit requirement of the first suite. If you buy a second suite and apply for a housing provident fund loan, the rule that the area of the first self-occupied housing should not exceed 144 square meters will be cancelled, that is, the area of the first suite will not be limited.
In addition, if you apply for housing provident fund loans again after the existing housing provident fund loans are settled, the requirement of "6 months' settlement" will be cancelled, that is, you can refinance the existing housing provident fund loans immediately after settlement.
In terms of increasing the amount of rent withdrawal, in order to help depositors reduce the pressure of renting, employees withdraw the housing provident fund once a year to pay rent, from "the amount of each withdrawal shall not exceed 50% of the actual remittance in the past 1 year" to "the amount of each withdrawal shall not exceed the actual remittance in the past 1 year", which has improved the support for employees' rental withdrawal.
The "Notice" also mentioned that it is easier to identify the number of employee family housing units. The number of employee family housing units is limited to the self-owned housing within the administrative area of Changsha, and the housing registration information of Changsha shall prevail. The loan records displayed in personal credit information no longer need the borrower to provide relevant information to prove.
Previously, Changsha's policy of "exchanging rent for house tickets" triggered a heated discussion in the market, which was once regarded as "killing many birds with one stone". On May 8 this year, the leading group for cultivating and developing the housing rental market in Changsha issued the "Implementation Plan for Promoting Multi-agent Supply and Multi-channel Guarantee of Rental Housing in Changsha" (hereinafter referred to as the "Plan"). The "Proposal" pointed out that after the houses that have been registered for online signing or real estate registration are used for renting houses, they are not included in the calculation of family housing units.
In addition, according to the information of Changsha Housing and Urban-Rural Development Bureau, starting from May 6, the interval between families buying a second set of commercial housing in the restricted purchase area of Changsha will be uniformly calculated by four years. This means that the identification of the purchase time of the house not only recognizes the online signing and filing, but also recognizes the right registration.