The notice is informative and mainly involves six major changes and adjustments.
1. Blank loan amount:
The maximum amount of housing provident fund personal housing loan is adjusted to 600,000 yuan, and the previous loan can be 450,000 yuan. ?
2. Hardcover loan amount:
The maximum amount of personal housing loan for purchasing housing provident fund with ultra-low energy consumption (two-star and above green building standards) for newly-built fully decorated houses, prefabricated houses and passive self-occupied houses is 700,000 yuan, and the previous loan can be 540,000 yuan.
Among them, the fully renovated housing loan policy will be implemented until June 2023 165438+ 10/0.
3. Down payment ratio:
The down payment ratio of housing provident fund personal housing loans is uniformly adjusted to not less than 30%.
4. Deposit conditions:
It is adjusted to pay the housing provident fund in full and on time for more than 6 months (inclusive) before the month of applying for the housing provident fund loan.
5. Transfer to provident fund loans:
Cancel the requirement that the borrower should have paid the housing provident fund 12 months (inclusive) in this city on time when handling commercial housing loans, and the refinancing applicant has paid the housing provident fund in full for more than 6 months (inclusive) continuously when applying for refinancing.
6. Identification of the number of sets:
The standard of "recognizing houses and loans" is implemented for housing units, and it is adjusted as follows: provident fund loans, commercial loans that have been sold after the loan is settled, and houses that have been sold in full are not included in the number of family housing units, and are determined on the basis of the actual number of housing units held.
The above adjustment will be implemented from June 10 to June 1 day, 2022, and the provident fund loans that have been issued or accepted for approval and have completed mortgage registration procedures will not be adjusted retroactively.
In addition, in order to solve the housing concerns of two-child and three-child workers' families, Yantai's preferential provident fund policies are particularly inclined to families with many children, raising the maximum loan amount of housing provident fund.
According to Yantai Housing Provident Fund Management Center's Notice on Printing and Distributing the Implementation Rules of Housing Provident Fund Supporting Population Development Policy.
Employees who meet the conditions of housing provident fund loans in Yantai and have two or three children can apply for housing provident fund personal housing loans (referred to as multi-child loans) with a maximum amount of 700,000 yuan.
For families with two or three children who meet the conditions for the extraction of rental housing, the maximum annual rent extraction (referred to as multi-child extraction) is 24,000 yuan.
The above contents shall take effect from June, 2022 10, with a validity period of 5 years.
This will, to a certain extent, alleviate the pressure of some improved home buyers and ease the anxiety of families with many children about childbirth and housing.