Increase the intensity of housing provident fund loans. (1) Relax the loan conditions. Employees who have paid the housing provident fund in full for more than 6 months (inclusive) may apply for housing provident fund personal housing loans. For those who have paid the housing provident fund in different places and paid it in the current deposit place for less than 6 months, the payment time can be calculated according to the payment certificate issued by the housing provident fund management core of the original deposit place. The families of paid employees use the housing provident fund loan to purchase the first set of ordinary self-occupied housing, and the lower down payment ratio is 20%; For the paid workers' families who own 1 house and have settled the corresponding housing loan, in order to improve their living conditions, they apply for housing provident fund loans again to buy ordinary self-occupied houses, and the down payment ratio is reduced by 30%. (2) Increase the loan amount and term. In cities where the proportion of housing provident fund loans is less than 85%, it is necessary to increase the amount of individual housing loans and cancel the restriction that the loan amount is linked to the balance of employee accounts. If the loan amount of housing provident fund is high, it shall not be less than 80% of the total price of commercial housing with a construction area of 90 square meters, and the price shall be calculated according to the average price of commercial housing published by the local statistical department in the previous year. The repayment ability of the borrower is not less than 50% of the total monthly salary of the borrower himself and the borrower. The loan period of housing provident fund is relaxed to 5 years after the borrower's statutory retirement age. (3) Promote off-site loan business. Actively carry out individual housing loan business in different places in the province. Workers who purchase ordinary self-occupied housing in cities in the province other than the place of deposit can apply for housing provident fund loans to the housing provident fund management core, which should actively cooperate and provide relevant certification materials in a timely manner. The core of housing provident fund management can also provide loans for local paid employees to buy houses in different places. The nationwide off-site loan business shall be implemented in accordance with the relevant provisions of the state.

Shandong will relax the conditions of provident fund loans

Promote off-site loans. The data shows that a quarter of the housing loans in the province came from the provident fund last year. In 20 15, our province will relax the conditions of provident fund loans, increase the loan amount and promote loans in different places.

Encourage low-income families to discount provident fund loans. Industry analysts believe that this move will play an important role in increasing the sales volume of the real estate market. In this regard, many Jinan property buyers welcome it.

I hope that the upper limit of provident fund loans can be further raised in the future. The reporter learned that the current provident fund is managed locally.

Policies such as specific loans need to be introduced in various places. "At present, there is no news of provident fund loans and quota adjustment in Jinan. Whether it will be adjusted in the future remains to be further observed.

The relevant person in charge of Jinan Housing Provident Fund Management Center introduced on the 3rd. It is understood that at present, the upper limit of provident fund loans in our province is 500,000 yuan, and the number of single employees is 250,000. "Compared with other cities,

The upper limit of 500,000 yuan in Jinan is at a relatively high level. "The person in charge said.

Shandong will relax the conditions of provident fund loans

Increase the loan amount. According to the data released by the Provincial Department of Housing and Urban-Rural Development, last year, the province paid 69.6 billion yuan of housing provident fund, up by 10.6% year-on-year, issued 37 billion yuan of personal housing provident fund loans, and withdrew 37.38 billion yuan of housing provident fund. This year, the annual contribution of the provident fund will strive to exceed 70 billion yuan. At the same time, relax the conditions of provident fund loans, increase the loan amount, promote loans from different places, and encourage low-income families to subsidize provident fund loans.

Relax the conditions for the withdrawal of housing provident fund (1) Implement the rental withdrawal policy. Workers have paid the housing provident fund in full for 3 months in a row. If they and their spouses do not own their own houses and rent a house in the city, they can provide proof that there is no real estate in their name, and they can withdraw the housing provident fund of both husband and wife to pay the rent. Rental of public rental housing, according to the actual expenditure paid in full; Where commercial housing is leased, the local housing provident fund management committees shall determine the rent withdrawal amount according to the local rent level and the rental housing area. (2) Relax the conditions for purchasing houses. Employees who purchase self-occupied housing and have not applied for individual housing loans from housing provident fund may withdraw their own, spouse, parents and children's housing provident fund in one lump sum within 3 years after obtaining valid purchase vouchers, and the withdrawal amount shall not exceed the total purchase price. If you apply for a personal loan of housing provident fund, you can withdraw your own and your spouse's housing provident fund at one time within 1 year after obtaining the down payment certificate, and the withdrawal amount shall not exceed the down payment amount. Migrant workers can buy self-occupied housing in towns or new rural communities, build self-occupied housing on rural homesteads according to laws and regulations, and withdraw their own and their spouses' housing accumulation fund. (3) Expand the scope of extraction. Workers' families can withdraw the housing provident fund once a year to pay the property fees for ordinary self-occupied houses. The specific withdrawal amount is determined by the municipal housing provident fund management committees according to the local property fees. Workers who have paid special housing maintenance funds can withdraw housing provident fund within 3 years after obtaining valid certificates, and the amount of withdrawal shall not exceed the total amount of paid special housing maintenance funds.

(The above answers were published on 2016-12-13. Please refer to the actual situation for the current purchase policy. )

For more real estate information, policy interpretation and expert interpretation, click to view.