Legal basis: the second opinion of Dali Housing Provident Fund Management Center on adjusting some housing provident fund management and use policies. Adjust the policy of using housing provident fund loans.
(1) At present, "the loan targets are employees who purchase, build, renovate or overhaul their own houses and pay the housing provident fund in full and on time." Adjusted to: "The loan target is the employees in Dali who purchase, build, renovate or overhaul their own houses within the administrative area of Dali, and have paid the housing provident fund in full and on time for more than six months."
(2) At present, the maximum loan amount of housing provident fund for single employees is 600,000 yuan, and the maximum loan amount of housing provident fund for dual employees is 700,000 yuan. Adjusted to: "The loan amount for applying for housing provident fund: the maximum loan amount for a single employee is 500,000 yuan, and the maximum loan amount for a dual employee is 600,000 yuan."
(3) The existing loan policy of "supporting families to buy, build and overhaul their own houses", that is, unmarried children (parents) can apply for housing provident fund loans to support children (parents) to buy, build and overhaul their own houses. If children (parents) pay housing provident fund, children (parents) are also set as mutual insurers. Adjusted to: "The loan applicant for buying, building, rebuilding or overhauling owner-occupied housing must be the property owner or spouse; If you apply for a housing provident fund loan with * * * property, the * * property owner must be the spouse, parents or children of the loan applicant. " ?
(IV) The current "paid employee families who own 1 apartment and have settled the corresponding housing loan, in order to improve their living conditions, apply for housing provident fund entrusted loans to buy ordinary self-occupied housing again, with the minimum down payment ratio of 20%, and the interest rate of the first home loan will be implemented. For the paid workers' families who own 1 house and have not settled the corresponding housing loan, in order to improve their living conditions, they will apply for housing provident fund entrusted loans to buy ordinary self-occupied houses again, with the minimum down payment ratio of 40% and the second-home loan interest rate. " Adjusted to "housing provident fund is paid for employees to purchase, build, renovate and overhaul their own houses." Apply for housing provident fund loans for the first time, and implement the interest rate of the first suite, with a minimum down payment ratio of 20%; The second time you apply for housing provident fund loans, the second suite interest rate will be implemented, and the minimum down payment ratio will be 40%.