In order to further prevent the risk of funds and guide the reasonable housing consumption of paid employees, Changsha Housing Provident Fund Management Center issued and officially implemented the new housing provident fund policy, giving priority to ensuring the demand for self-occupation. Let's take a look at Changsha's housing provident fund loan policy.

First, Changsha housing provident fund loan policy

From 20 19, the housing provident fund loan was changed from the original 6 months to 12 management center. The personal credit information of loan applicants and their spouses will be strictly examined. Changsha Housing Provident Fund Management Center will not issue individual housing provident fund loans if there are credit information records that are overdue for more than 6 consecutive periods, accumulated overdue for more than 24 periods (except student loans) or other serious cases of dishonesty.

There are also some changes, for example, workers' families need to buy houses, build their own houses, renovate and overhaul houses when they deposit in non-registered places, apply for housing provident fund to withdraw major diseases without treatment, and major disasters outside the administrative area of Changsha City.

Two, Changsha housing provident fund loans in Qing Yu.

The amount of provident fund loan is calculated with reference to the housing numbers of both husband and wife of the borrower, and the multiple n fluctuates between 12-20. The loan amount is 20 times of the account balance of both husband and wife; If the personal loan rate is higher than 95%, the loanable amount is 1 of the balance between the employee and the husband and wife.

Conclusion: Changsha housing implements public classified management and directional distribution to prevent funds from being used for other purposes, to ensure the return of loans to real purposes and to ensure the safety of funds to the greatest extent. Stay tuned for more information.

2. What adjustments has Changsha made to the provident fund loan policy?

Spread out completely

2065438+On June 25th, 2008, the Changsha Municipal Government upgraded the property market regulation policy and restricted the housing provident fund loan policy. On this basis, Changsha Housing Provident Fund Management Center adjusted the provident fund loan policy on the evening of June 25th, and cancelled the provision of minimum loan of 200,000 yuan for employees who paid housing provident fund.

Changsha Housing Provident Fund Management Center stipulates that employees who have paid housing provident fund to purchase commercial housing in restricted areas and apply for housing provident fund loans should strictly implement the provisions that the loan amount is linked to the deposit amount. Cancel the minimum loan of 200,000 yuan for employees who have paid the housing provident fund; At the same time, it was originally stipulated that "if an unmarried borrower purchases the first set of personal loans for housing provident fund and the calculated monthly repayment amount is higher than 50% of the deposit base, the monthly repayment amount can be calculated according to the average monthly salary of urban workers announced by Changsha Municipal Bureau of Statistics in the previous year".

Changsha Housing Provident Fund Management Center also stipulates that the down payment ratio of housing provident fund for employees' families to purchase the second family housing and apply for housing provident fund loans shall not be less than 60%, and it is no longer necessary to distinguish whether there is a housing loan or whether the loan has been settled for the first suite of employees' families. Changsha Housing Provident Fund Management Center said that the adjusted provident fund loan policy is applicable to the restricted purchase area of this city and will be implemented from June 26. Where the original policy is inconsistent with the new policy, the new policy shall prevail. The loan application registered at the window before June 25th (inclusive) shall be implemented according to the original loan policy. Source: Xinhuanet

3. What are the conditions for Changsha provident fund to make a down payment of 20%?

1, commercial loan ① First suite: 20% lower, generally 20%-30%. ② Second Suite: For households with 1 suite housing and the corresponding housing loans are not settled, in order to improve their living conditions, they should apply for commercial personal housing loans again to purchase ordinary housing, and the low down payment ratio should not be less than 30%. 2. Provident fund loan ① First suite: Changsha housing provident fund loan has a low down payment ratio of 20%. ② Second suite: If there is already a house under the family name (the area is less than 144 (inclusive) square meters) and there are outstanding commercial loans, buy a second suite under the family name and apply for provident fund loans, with a low down payment ratio of 40% and a loan interest rate of 10%. The commercial loan has been settled, and the second suite under the family name is purchased, and the provident fund loan is applied. The down payment ratio is 20%, and the loan interest rate rises 10%.

3. The down payment ratio of portfolio loans is low, 20% for the first suite and 40% for the second suite, and three suites are not supported.

Fourth, Changsha housing provident fund loan policy in 2022

In 2022, the individual loan ratio of Changsha housing provident fund was 80.89%, and the individual loan multiple was 15. 65438+1On October 26th, Changsha Housing Provident Fund Management Center issued a notice on defining the multiple of personal loans in 2022. According to the notice, at the end of 20021,the proportion of individual loans of Changsha housing provident fund was 80.89%, ranging from 80% to 85%. In 2022, the personal loan multiple is 15, which is the same as 202 1, that is, the loanable amount of employees (including provincial branches) paid in Changsha is still based on the sum of the balance of the housing provident fund accounts of the borrower and his wife. 1. The loan conditions of ordinary individual provident fund housing loans are 1. The housing provident fund account is in a normal state and has been deposited normally for nearly 12 months. 2. Good credit, stable income and the ability to repay the loan principal and interest. 3, did not exceed the statutory retirement age stipulated by the state. 4. If the off-site housing provident fund has been deposited in Changsha Provident Fund Center for more than 6 months without interruption, after the off-site housing provident fund is transferred to the account, the deposit time of the two places can be calculated together. If the off-site housing provident fund is deposited in Changsha Provident Fund Center after intermittent or intermittent deposit, it still needs to be deposited in Changsha Provident Fund Center for more than 12 months before applying for a loan. 5. Employees' families (married refers to both husband and wife, single refers to individual employees, the same below) have not applied for provident fund loans (including but not limited to Changsha Provident Fund Center). If so, the provident fund loan for six months must be settled. 6. Workers' families did not purchase the housing provident fund in Changsha (including Changsha Provident Fund Center and provincial sub-centers) when purchasing this house. 7 employees and their spouses have no record of provident fund loans for more than two times. The loan record is the sum of the loan times of Changsha Provident Fund Center and provincial sub-centers. If a provident fund loan has been applied for during the marriage relationship, the original husband and wife will each calculate 1 loan record. 8. The applicant must purchase a self-occupied house in Changsha, and he is the owner or owner of the house purchased, and has paid off the purchase price above the prescribed down payment ratio; 9. Take the assets recognized by Changsha Provident Fund Center as collateral, and agree to choose the repayment and guarantee method specified by Changsha Provident Fund Center. In addition, when applying for housing provident fund loans, loans are not allowed under the following special circumstances: special circumstances of not applying for housing provident fund loans, loan interest rate, term and quota, loan interest rate, standard for determining the number of units in Changsha in 2022, and loan interest rate Note: when employees apply for housing provident fund loans, families have cancelled their properties, of which 1 set, regardless of size, is not included in the number of family housing units. (That is to say, if the family has only one set of housing and has been cancelled, the provident fund loan can also be handled according to the first set, and so on. ) Workers' families (married refers to both husband and wife, single refers to individual workers) are combined with the housing registration information system records of the relevant housing management departments in Changsha and the housing units in other places where the provident fund is deposited, and the housing units outside the two places shown in the loan materials such as the personal credit information system of the People's Bank of China should also be included in the family housing units. The place where the provident fund is deposited refers to the city where the provident fund of both husband and wife is normally deposited. Houses that have been cancelled by employees' families are not included in the housing units of employees' families. Those who apply for provident fund loans within 2 years of divorce, regardless of whether the marital property is distributed to the borrower, as long as it is not cancelled, are included in the number of family housing units of employees. * * * Houses with property rights under the name of employees' families should be included in the number of family houses, and the area of housing property rights should be calculated according to the share of property rights. If an employee applies for provident fund loans within 2 years after divorce, and the marital property is still in the name of both husband and wife, whether it is allocated to the loan applicant or not, it will be included in the number of housing units of the employee's family. In principle, the contract filing time shall prevail if the property right certificate has not been issued, and the property right registration time shall prevail if the property right certificate has been issued. If the employee disagrees, it shall provide relevant information to prove that it is the pre-marital property of the original husband and wife. Houses with pre-marital contracts filed and property rights registered during marriage are not included in marital property. The loan term is 1, with the shortest loan term not less than 1 and the longest loan term not exceeding 30 years. 2. The loan period can be extended to 5 years after the statutory retirement age, that is, the loan period can reach 65 years for men and 60 years for women (senior technicians and cadres at or above the county level can reach 65 years). Note: The loan period applied by flexible employees shall not exceed the deposit period stipulated in the deposit agreement, and shall not exceed the period from the time of applying for the loan to the retirement age, that is, men may reach 60 years old and women may reach 55 years old. The loan amount is 1, and the borrower's family loan amount is calculated according to the personal loan interest rate, account balance, house purchase and family income. The lower values of the calculation results are 200,000 yuan and 700,000 yuan (the higher loan amount of family housing provident fund for employees with three children is raised to 800,000 yuan). Note: According to the loan amount calculation formula, if the employee's family loan amount is less than 200,000 yuan, it will be approved as 200,000 yuan. The lower limit of the loan of 200,000 yuan mentioned in the preceding paragraph does not apply to employees (except renting houses) and flexible employees whose families have withdrawn their provident fund in the last 12 months. 2. The monthly repayment amount of employees' family loans shall not exceed 50% of their monthly income. 3. Formula for calculating the amount of provident fund: loan amount = (balance of employee's housing provident fund account and spouse's housing provident fund account) ×n times Note: in 2022, the personal loan multiple in Changsha is 15, that is, the allowable amount of employees (including provincial branches) paid in Changsha is still calculated according to 15 times the sum of the housing provident fund accounts of both husband and wife. 4. At present, Changsha has opened loans from Hunan Province and urban agglomerations in the middle reaches of the Yangtze River, and the balance can be merged into the account balance. In Hunan Province: The provincial provident fund of counties and cities such as Zhuzhou, Xiangtan, Yueyang, Changde and Yiyang can borrow money to buy a house in Changsha. Wuhan, Hefei, Nanchang, Huangshi, Jiujiang, Huanggang, Fuzhou, Xianning, Yichun, Yichang, Jingzhou, Ezhou, Xiaogan, Tianmen, Xiantao, Qianjiang and other provinces and cities can apply for provident fund loans in Changsha. (These cities can handle off-site provident fund loan portfolio loans, but they cannot handle business transfer. 5. The loan amount of housing loans of commercial banks converted into provident fund loans shall not exceed the remaining principal balance of the original housing loans of commercial banks. Commercial loans to provident fund loans For buyers who have not paid the provident fund for 12 months, if their favorite house is in a "slow hand" state, it is an expedient measure to use commercial loans to get the housing first and then transfer to provident fund loans. 1. There are two ways for commercial bank loans to be converted into provident fund loans: employees' families with mortgaged houses apply for loans first, and then settle the commercial bank loans after approval, and then release the mortgage, and then issue provident fund loans after going through the mortgage procedures for housing provident fund loans. When this suite has not obtained the property right certificate, it can be mortgaged with other properties. If the property (this suite) applying for provident fund loan has no title certificate, there is no need to settle the commercial loan in advance, and the provident fund center will directly connect with the commercial bank when lending. If other houses are used as collateral, the mortgaged houses shall meet the following conditions: Conditional Note: The stipulation that "the houses must be mortgaged within the administrative area of the purchased houses" means that the houses purchased in Wunei District (Furong, Tianxin, Yuelu, Kaifu and Yuhua) can only be mortgaged with other suites in Wunei District, and the houses purchased with a long-term perspective can only be mortgaged with a long-term perspective. In addition, it should be noted that at present, it is not supported for provident fund companies to turn public in different places. If the repayment method is 1 and the term of the provident fund loan is 1 year, the principal and interest will be repaid in one lump sum at maturity, and the interest will be paid off with the principal. If the loan term exceeds one year, the principal and interest of the loan will be repaid in monthly installments. Employees can choose the repayment method of equal principal and interest or average capital. 2. Hedging repayment: the balance of the housing provident fund account offsets the monthly repayment amount. 2. Loan conditions of high-level talent accumulation fund loan policy in FTZ. High-level talents who start or work in Changsha can apply for housing provident fund loans if they meet the following conditions: 1. High-level talents identified as A, B, C and D in Changsha have obtained talent green cards or talent certificates; 2. Open a housing provident fund account in our city and deposit it normally, which is not restricted by normal deposit 12 months or more; 3. High-level talented families (married refers to both husband and wife, single refers to individual employees, the same below) purchase the first set of self-occupied housing in the administrative area of Changsha; 4, high-level talents as the main borrower to apply for housing provident fund loans; 5. Meet other conditions stipulated in the current housing provident fund loan policy. 5. In order to further improve the convenience of business, it is easier to determine the number of employee family housing units. The number of employee family housing units is limited to the self-owned housing within the administrative area of Changsha City, and the housing registration information of Changsha City shall prevail. The loan records shown in personal credit information no longer need the borrower to provide relevant information to prove. Loan amount 1, higher loan amount. The loan amount of high-level talent family provident fund can be relaxed to 4 times of the higher loan amount in our city. 2. Calculation of loanable amount. The loanable amount of high-level talents is 4 times of the current loan amount calculation formula, that is, the balance of high-level talents' own housing provident fund account is× n times× 4, and the loanable amount of spouses is still calculated according to the current loan amount calculation formula, and the loanable amount of both husband and wife can be calculated together. 3. Calculation of the final loan amount. Calculate the final loan amount according to the calculation formulas such as loanable amount, down payment ratio and repayment ability. Within the higher loan amount, take the lower value. Three. Other matters Other loan matters and processes such as loan application, loan interest rate and term shall be implemented in accordance with the current housing provident fund loan policy. According to the law, Article 1 of the Notice on Optimizing the Business Policies and Processes of Housing Provident Fund raised the maximum loan amount of housing provident fund. The notice made it clear that the maximum loan amount of housing provident fund loans in our city was raised from 600,000 yuan to 700,000 yuan, and the maximum loan amount of housing provident fund loans for families with three children was raised to 800,000 yuan. Article 2 focuses on supporting the depositor's demand for purchasing the first suite, and implements a phased "loanable" policy for the first suite. In order to help depositors alleviate the pressure of buying houses under the influence of the epidemic, the Notice clarifies that from the implementation date of the policy to February 65438+3 1 in 2022, employees' families can apply for provident fund loans or purchase the first suite housing, and the cumulative withdrawal amount of the same set of housing shall not exceed the down payment. If you apply for house purchase withdrawal after the loan is successfully handled, the housing provident fund account of both husband and wife should keep enough repayment amount of housing provident fund loan 12 months. Article 3 Meet the reasonable demand for improved housing and reduce the down payment ratio of the second suite. In order to support employees to improve their living environment, the minimum down payment ratio is adjusted from 60% to 40% if employees' families apply for housing provident fund loans by purchasing second suites. Cancel the area limit requirement of the first suite. If you buy a second suite and apply for a housing provident fund loan, the first set of self-occupied housing area shall not exceed 144 square meters, that is, the area of the first suite shall not be limited. At the same time, if you apply for housing provident fund loans again after the existing housing provident fund loans are settled, the requirement of "need to settle for 6 months" will be cancelled, that is, the existing housing provident fund loans can be loaned again immediately after settlement. In order to help depositors reduce the pressure of renting houses, employees withdraw the housing provident fund once a year to pay the rent, from "the amount of each withdrawal shall not exceed 50% of the actual remittance amount in the past 1 year" to "the amount of each withdrawal shall not exceed the actual remittance amount in the past 1 year", thus improving the support for employees' rental withdrawal.