Those who just need to buy a house and pay the state-controlled provident fund have also ushered in benefits. Yesterday, the website of the National Provident Fund Center issued a notice. Like the municipal provident fund, the maximum loan amount for purchasing policy housing or the first self-occupied housing with a building area of 90 square meters or less in Xing Tao is adjusted to 6,543,800 yuan+200,000 yuan. This quota adjustment is 400 thousand yuan higher than the policy implemented last year.

Raise the maximum loan limit

Non-inclusive policy

The first article of the website of the National Provident Fund Center shows that the housing provident fund gives priority to meeting the loan demand for purchasing the first set of self-occupied housing on the premise of ensuring the withdrawal of paid employees. The maximum loan amount for a loan applicant to purchase a policy-oriented housing or the first self-occupied housing with a building area of less than 90 square meters in Xing Tao is adjusted to1.2000 yuan, and the maximum loan amount for purchasing a non-policy housing or a second housing with a building area of more than 90 square meters in Xing Tao is still 800,000 yuan.

The reporter found that although this quota has been consistent with the adjustment of the city provident fund center, it is not an inclusive policy for those who just need to buy houses. The document stipulates that "the specific amount of housing provident fund personal loans is comprehensively determined in accordance with the Notice on Strengthening the Differential Management of Housing Provident Fund Personal Loans of Central State Organs".

What does this notice say? According to the website of the National Provident Fund Center, "the specific amount of personal loans for housing provident fund is ... based on the balance of personal accounts of housing provident fund, combined with the loan ratio, repayment ability, deposit time, spouse's deposit, loan-to-deposit ratio adjustment coefficient and other factors. If the personal account balance is less than 20,000 yuan, it shall be calculated as 20,000 yuan. If you purchase policy housing, it will still be implemented according to the original regulations. "

According to the statistics of some developers and intermediaries, generally speaking, the loan amount of the state-run provident fund center is about 7 to 10 times the balance of individual accounts, usually 7 to 8 times.

According to the calculation of a single citizen who has paid the state-managed provident fund, if he wants to borrow 6.5438+0.2 million yuan, according to the calculation result of 7 times the deposit amount, his provident fund account balance needs to exceed 6.5438+0.765438+0.4 million yuan. This person's monthly salary is 7,000 yuan, so if his monthly personal contribution is 840 yuan and his employer pays 840 yuan for him, he needs to pay 8 years and 6 months to get a loan of 6,543,800 yuan+0.2 million yuan. "If you want to keep this balance, who doesn't have a house yet?" The citizen said.

The deposit time can be calculated together.

You can get a loan if you change jobs.

In the new policy released yesterday, the loan amount will no longer rise according to the personal credit rating. For those who have paid the housing provident fund in other places and are dissatisfied with the payment time stipulated by Beijing, employees can provide proof of payment issued by the housing provident fund management center of the original deposit place. If confirmed by the audit, the payment time can be calculated according to the payment certificate.

This content is similar to that released by official website. The city provident fund center is to identify the time of deposit in different places. However, the reporter noted that neither the state management nor the municipal management provident fund center directly explained the shortening of the deposit time. According to industry analysis, both the state-managed provident fund and the municipal-managed provident fund have relaxed the restrictions on the deposit period from another angle. As long as the purchaser has a deposit certificate of provident fund before, it means that he has a relatively stable occupation and income. For some people who have just worked in Beijing, it is more beneficial to simply shorten the payment period to 6 months.

At the same time, the New Deal made an agreement for Beijing employees to buy houses overseas. For Beijing registered employees who are stationed by the central state organs in the field on business and pay the housing provident fund in the field, if they buy the first set of self-occupied housing in Beijing, they can apply for loans with the relevant materials such as the payment certificate issued by the housing provident fund management center in their workplace.

Cancellation of guarantee service fee 1.5‰

Save money for buyers.

This notice also proposes to cancel the guarantee service fee 1.5‰ provided by developers or selling units for installment guarantee and real estate mortgage guarantee.

The guarantee service fee of 1.5‰ is not much compared with the millions of house purchases, but it is still good news for those who just need to pay the down payment through their teeth.

The reporter learned from Lianjia Real Estate, which accounts for half of the transaction volume of second-hand houses in Beijing, that 10% of families who buy second-hand houses every year will use the provident fund; Among them, two percentage points will use the state-managed provident fund. The data shows that the total price and average price of people who use the state-controlled provident fund to buy a house are lower than the urban average.

"According to these data, most people who use the national provident fund to buy a house just need to buy the first home." Zhang Xu, the real estate market research department of Jia Lian, said that the main purpose of the adjustment of provident fund loan policy is to further boost the just-needed demand and promote the expected development of the market. Previously, according to the personal credit rating, the upper limit of the loan amount for the first home of 90 square meters or less can be divided into three levels: 800,000 yuan, 920,000 yuan and 6.5438+0.04 million yuan. Due to the increase of the loan ceiling, the down payment of buyers who use provident fund loans will be reduced by 654.38+0.6 million yuan to 400,000 yuan, which is a great advantage for those who just need to buy houses with relatively limited economic capacity.