10 June10, Hainan Provincial Housing Provident Fund Administration issued a notice to lower the interest rate of housing provident fund loans.
Viewpoint The new media learned that since June 65438+1 October1day, the interest rate of the first individual housing provident fund loan has been lowered by 0. 15 percentage point, and the interest rates for less than five years (including five years) and more than five years have been adjusted to 2.6% and 3. 1% respectively.
The second set of personal housing provident fund loan interest rate policy remains unchanged, that is, the interest rates for less than five years (including five years) and more than five years are not less than 3.025% and 3.575% respectively.
The first set of personal housing provident fund loans (including those accepted but not yet issued) issued after June 65438+1 October1in 2022 shall be implemented at the adjusted new interest rate; For the first individual housing provident fund loan issued before June 65438+ 10/in 2022, the new interest rate will be implemented as of June 65438+1 0/in 2023.
How many years can Hainan's 52-year housing provident fund loan last?
Hainan's 52-year housing provident fund loan is the highest loanable 10 year.
Applicants who apply for housing provident fund loans shall provide guarantees. The housing provident fund management center can use the housing provident fund for the purchase of government bonds with the approval of the housing provident fund management Committee on the premise of ensuring the withdrawal and loan of the housing provident fund. The housing provident fund management center shall not provide guarantees to others.
Workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall, within/0/5 days from the date of accepting the application, make a decision on whether to grant or not to grant the loan, and notify the applicant that if the loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.
Hainan: the down payment ratio of the first application for provident fund loans for the purchase of second-hand houses has dropped to 30%.
The Beijing News (Reporter Zhang Jian) On May 16, Hainan Provincial Housing Provident Fund Administration issued a notice saying that it would adjust the relevant policies of Hainan Provincial Housing Provident Fund personal housing loans to support the purchase of second-hand houses.
The notice made it clear that if employees buy second-hand houses to apply for housing provident fund personal housing loans, the minimum down payment ratio for the first application or settled personal housing provident fund loans will be reduced from 40% to 30%. When buying a second-hand house, the longest loan period is adjusted from 20 years to 30 years. In principle, it is required not to exceed the termination period of land use rights specified in the certificate of immovable property rights.
Editor Wu Xin
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What is Hainan's provident fund purchase policy?
Legal Analysis: Since June, 20265438 10, Hainan Province has implemented a "deposit-loan-linked" management mechanism for housing provident fund personal housing loans, keeping the overall stability of housing provident fund funds and allowing more paid employees to enjoy preferential policies for low-interest loans. 1. Housing provident fund Personal housing loans can only be used to pay for the purchase, construction, renovation and overhaul of ordinary self-occupied housing for employees and support basic housing needs. It is strictly forbidden to use housing provident fund and personal housing loans for speculative purchase.
The second is to maintain the continuity and stability of the policy of paying employees' families (including borrowers, spouses and minor children, the same below) to use housing provident fund personal housing loans to purchase the first set of ordinary self-occupied housing. Use the housing provident fund personal housing loan to purchase the first set of ordinary self-occupied housing. If the construction area of Xing Tao is less than 90 square meters (inclusive), the down payment ratio of the loan shall not be less than 20%. If the construction area is more than 90 square meters, the down payment ratio of the loan shall not be less than 30%.
Third, the second set of housing provident fund personal housing loans are only issued to paid workers' families whose existing per capita housing construction area is lower than the local average level, and the loan purpose is limited to purchasing ordinary self-occupied housing to improve living conditions. The down payment ratio of the second housing provident fund personal housing loan shall not be less than 50%, and the loan interest rate shall not be less than 1. 1 times of the first housing provident fund personal housing loan interest rate in the same period.
Legal basis: Law of People's Republic of China (PRC) on Urban Real Estate Management Article 2 This Law shall be observed in obtaining the land use right of real estate development land, engaging in real estate development, real estate transactions and implementing real estate management on the state-owned land in People's Republic of China (PRC) urban planning area.
The term "houses" as mentioned in this Law refers to buildings and structures such as houses on land.
The term "real estate development" as mentioned in this Law refers to the construction of infrastructure and houses on the land that has obtained the right to use state-owned land in accordance with this Law.
Real estate transactions mentioned in this Law include real estate transfer, real estate mortgage and house lease.
Hainan second-hand housing provident fund loan minimum down payment ratio dropped to 30%
On May 16, Hainan Provincial Housing Provident Fund Administration issued the Notice on Adjusting the Relevant Policies of Housing Provident Fund Personal Housing Loan in Our Province to Support the Purchase of Second-hand Houses. The notice shows that the minimum down payment ratio for employees who purchase second-hand houses to apply for housing provident fund personal housing loans will be reduced from 40% to 30%.
When buying a second-hand house, the longest loan period is adjusted from 20 years to 30 years. In principle, it is required not to exceed the termination period of land use rights specified in the certificate of immovable property rights.
Regarding the criteria for purchasing second-hand houses, Hainan Provincial Housing Provident Fund Administration explained that "purchasing second-hand houses" means that individuals or employee families (including borrowers, spouses and their minor children) purchase self-occupied houses and are second-hand houses within the administrative area of Hainan Province. There is no outstanding provident fund loan record under the family name when applying for provident fund loan. At the same time, when applying for a loan, you can check the real estate registration or housing registration records of the housing construction department online.
According to the regulations, the notice will be implemented from May 16. Before the date of publication, if the borrower has submitted the complete application materials for individual housing loan of housing provident fund and accepted them by the front desk staff, it will still be implemented according to the provisions of the original housing provident fund individual housing loan business.
Previously, Haikou City, Hainan Province also introduced a new property market policy. The Housing and Urban-Rural Development Bureau of Haikou City, the Development and Reform Commission of Haikou City, the Natural Resources and Planning Bureau of Haikou City and the Financial Management Bureau of Haikou City jointly issued the Notice on Promoting the Stable and Healthy Development of the Real Estate Market on May 15, making it clear that imported talents who have settled in Hainan Province will enjoy the same treatment as local residents from the date of their settlement. Talents who have not settled in Hainan Province, and their family members do not own their own houses in Hainan Province, can provide proof that they have paid personal income tax or social insurance 12 months or more in our province, and can buy 1 apartment in Haikou City.
In terms of supporting the purchase of improved housing, the down payment ratio is not less than 50% for those who apply for a commercial loan to buy a second house but the original housing loan has not been settled.
How much can Hainan provident fund loan father and son borrow?
Relevant information shows that according to the current regulations of Hainan Housing Provident Fund Center, the maximum amount of provident fund loans is 500,000 yuan for individuals and 800,000 yuan for two or more applicants.