Zhengzhou provident fund loan new policy: 1. Workers who normally deposit housing provident fund in the housing provident fund management center and purchase or build self-occupied housing within the administrative area of this Municipality may apply for housing provident fund personal housing loans (borrowers are buyers and employees who are paying housing provident fund). 2. Valid identity documents of the borrower and his spouse; 3. It is stipulated that the down payment has been paid, the down payment loan amount = the total house payment, and the house payment has not been paid; 4. The borrower has paid the housing accumulation fund continuously, on time and in full for more than 6 months after opening the deposit account, and has not paid it for more than 4 consecutive months recently; 5, the family income is stable, good reputation, the ability to repay the loan principal and interest; 6. Agree to provide loan guarantee approved by the Housing Provident Fund Management Center. 7. The borrower and spouse have no outstanding housing provident fund loans or large debts.

According to the Regulations on the Management of Housing Provident Fund, it is a regulation formulated by the State Council to strengthen the management of housing provident fund, safeguard the legitimate rights and interests of housing provident fund owners, promote urban housing construction and improve the living standards of urban residents. Applicable to the deposit, withdrawal, use, management and supervision of housing provident fund in China.

skill

The above answer is only for the current information combined with my understanding of the law, please refer carefully!

If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.

Zhengzhou provident fund loan policy 202 1

Notice of Zhengzhou Housing Provident Fund Management Center on soliciting opinions and suggestions on the adjustment of housing provident fund individual housing loan policy.

In addition to appropriately extending the time limit for applying for provident fund loans, this adjustment also includes setting the maximum amount of provident fund loans in urban areas (including the five districts of Zhengzhou, Zhengdong New District, High-tech Development Zone and Economic and Technological Development Zone) and non-urban areas, taking into account the housing prices in different areas of Zhengzhou.

The notice also proposes to set the maximum loan ratio (loan amount accounts for the total property price) according to the deposit and purchase situation. For the first time, if the provident fund loan is used to purchase the first family home, the maximum loan ratio is set at 70%; The maximum loan ratio is set at 40% in the case of off-site loans.

Notice of Zhengzhou Housing Provident Fund Management Center on soliciting opinions and suggestions on the adjustment of housing provident fund individual housing loan policy

All relevant units (individuals):

In order to ensure the sustained and healthy development of housing provident fund loan business, Zhengzhou Housing Provident Fund Management Center intends to solicit the opinions and suggestions of paid employees on the policy adjustment of housing provident fund personal housing loan (hereinafter referred to as "housing provident fund loan") in accordance with the principle of "housing is not speculation but just need":

1. Application conditions. Appropriately extend the deposit time limit for applying for provident fund loans.

Second, the loan amount. Combined with the housing prices in different areas of Zhengzhou, the maximum amount of provident fund loans is set according to the urban areas (including five districts in the city, Zhengdong New District, High-tech Development Zone and Economic and Technological Development Zone) and non-urban areas.

Third, the loan ratio. Set the maximum loan ratio according to the deposit and purchase situation (the proportion of loan amount to the total property price). For the first time, if the provident fund loan is used to purchase the first family home, the maximum loan ratio is set at 70%; The maximum loan ratio is set at 40% in the case of off-site loans.

Fourth, the ability to repay loans. Referring to the approval requirements of commercial housing loans in other cities and banks, the borrower's repayment ability is determined according to the fact that the monthly repayment amount of provident fund loans does not exceed 50% of family income.

5. Credit inquiry. Restrict applicants with seriously bad personal credit information from handling provident fund loans. When applying for a loan, the applicant shall provide the personal credit report issued by the Credit Management Department of the People's Bank of China to the provident fund loan acceptance department, or authorize the acceptance department with inquiry conditions to make inquiries on its own.

Deposited employees are welcome to actively participate in the discussion of provident fund loan policy, and give feedback or make reasonable suggestions through the "Ask for Opinions" column of this website before March 1!

Zhengzhou plans to adjust the provident fund loan policy: the maximum loan for the first set of housing is 70%

On March 8, Zhengzhou Housing Provident Fund Management Center issued the Notice on Soliciting Opinions and Suggestions on the Adjustment of Housing Provident Fund Individual Housing Loan Policy. It is reported that Zhengzhou intends to appropriately extend the application time limit for provident fund loans, and at the same time, combined with the housing prices in different regions of Zhengzhou, set the maximum provident fund loan limit according to urban areas (including five districts in the city, Zhengdong New District, High-tech Development Zone and Economic and Technological Development Zone) and non-urban areas.

In terms of loan ratio, Zhengzhou plans to set the maximum loan ratio (the proportion of loan amount to the total property price) according to the deposit and house purchase. For the first time, if the provident fund loan is used to purchase the first family home, the maximum loan ratio is set at 70%; The maximum loan ratio is set at 40% in the case of off-site loans.

The notice also pointed out that Zhengzhou will refer to the approval requirements of commercial housing loans in other cities and banks, and determine the repayment ability of borrowers according to the standard that the monthly repayment amount of provident fund loans does not exceed 50% of family income.

Zhengzhou 202 1 6652 sets of urban shanty towns.

A few days ago, the Office of the Leading Group for Affordable Housing Project in Henan Province issued a notice on the renovation project plan of urban shanty towns in the whole province in 20021year. The notice pointed out that this time, * * * issued 36 sets of urban shantytown renovation projects19690 sets of newly-started resettlement houses1/kloc-0.

Among them, * * * involves Zhengzhou 6652 sets, Kaifeng 1666 sets, Luoyang 35206 sets, Hebi 2926 sets, Xinxiang 694 1 set, Jiaozuo 199 sets, Puyang 8962 sets, Xuchang 565 sets and Luohe/KLOC-0 sets.

202 1 Zhengzhou Housing Security Key Target Release.

March 1 1, 202 1, the city's housing security and real estate management work conference was held. The meeting revealed that this year, Zhengzhou Housing Security and Real Estate Management Bureau will focus on the real estate market regulation, comprehensive renovation of old residential areas, special rectification in the real estate field, tackling real estate problems, optimizing the real estate business environment, and improving the efficiency of government services. Accelerate the improvement of the housing system with multi-agent supply, multi-channel guarantee and rent-and-purchase, and maintain the stable and healthy development of the real estate market.

The meeting made it clear that the bureau's main expected objectives and tasks this year are: adding10.5 million shanty towns in the city, basically completing 40,000 households and allocating 7,000 sets of public rental housing. The city plans to raise 654.38 million sets (rooms) of various types of rental housing and cultivate 50 specialized housing rental enterprises. The newly-built property management area in the city is120,000 square meters. The comprehensive renovation of old residential areas will be completed by the central subsidy project in 2020, and 200 elevators will be installed in existing houses.

The heat of finding a house in third-and fourth-tier cities has risen.

According to the national housing index report in February, the average online price of new houses in 67 cities monitored nationwide was 16392 yuan/square meter, down 0.08% from the previous month, and the average online price of new houses in 35 cities increased from the previous month. The average online listing price of second-hand houses was 160 1 1 yuan/square meter, up by 0.93% month-on-month, and the average online listing price of second-hand houses in 60 cities nationwide increased month-on-month. The confidence index of buyers continued to rise, reaching 1 17.5 in February, up 7.7% from the previous month. The confidence index of brokers was 1 13.7, up 1.8% from the previous month.

According to the survey, the average price of online signing of new houses in 67 cities in February was 16392 yuan/square meter. In major cities, the average online price of new houses in Beijing and Shanghai is close, which is 46,866 yuan/m2 and 47,704 yuan/m2 respectively, while that in Shenzhen is 44,280 yuan/m2, and that in Guangzhou is 2,929/kloc-0 yuan/m2, which is not much different from that in Hangzhou, which is 2,965,438 yuan/m2. The average online price of new houses in Nanjing is also above 20,000 yuan/square meter. The cities with a ring price increase of TOP5 are Nanning, Changchun, Xiamen, Kunming and Yangzhou.

The government work report sets the tone for the property market.

In this year's government work report, it is pointed out that the key work in the real estate field should ensure the housing needs of the people. Adhere to the positioning of "houses are used for living, not for speculation" and "stable land prices, stable housing prices and stable expectations". To solve the outstanding housing problems in big cities, we should effectively increase the supply of affordable rental housing and * * * property housing by increasing land supply, arranging special funds and concentrating on construction, standardize the development of long-term rental housing market, reduce the tax burden of rental housing, and do our best to help new citizens and young people alleviate their housing difficulties.

Reiterate that housing is not speculation. "This year's government work report is rich in real estate, and housing is not speculation. It is necessary to solve the outstanding housing problems in big cities and standardize the development of long-term rental market. These contents have been emphasized in the past, and this report can be understood as the focus of this year's government work. "

Standardize the long-term rental market

This year's government work report proposes to solve the outstanding housing problems in big cities, effectively increase the supply of affordable rental housing and property housing by increasing land supply, arranging special funds and concentrating on construction, standardize the development of long-term rental housing market, reduce the tax burden of rental housing, and try our best to help new citizens and young people alleviate their housing difficulties.

At present, the development of the long-term rental market has encountered some bottlenecks, such as the relative shortage of housing supply and the need to improve the quality. Yao Jinbo, deputy to the National People's Congress and CEO of 58 City, said that at present, the domestic long-term rental market is still in its infancy. While the industry is developing rapidly, there are also some outstanding problems. For example, some long-term rental apartment operators adopt high-risk business models such as "AG pays low", "Long-term receipt pays short" and "rental loan", and the capital chain breaks from time to time, which damages the rights and interests of some tenants.

20 19 Zhengzhou provident fund withdrawal loan new policy does not need to provide proof of related income.

Yesterday, Zhengzhou Housing Provident Fund Management Center issued a notice that citizens who apply for provident fund loans and withdrawals will further simplify procedures and improve work efficiency by reducing the provision of partial certificates.

It is understood that in the loan business, borrowers and spouses no longer provide proof of income issued by the unit and salary slips issued by the bank, and unmarried or divorced borrowers and spouses no longer provide proof of marriage records issued by the civil affairs department.

In the extraction business, the extractor no longer provides the proof of the relationship between father and son (female) and mother and child (female) issued by the public security department.

Extended reading

New Deal: Zhengzhou private provident fund loans will no longer issue income certificates and marriage certificates.

On June 5438+06, it was learned from Zhengzhou Housing Provident Fund Management Center that the center issued a notice on canceling the red tape of provident fund business. In the future, Zhengzhou people do not need to open income certificates and marriage certificates to apply for provident fund loans.

The relevant person in charge of Zhengzhou Housing Provident Fund Management Center said that Zhengzhou people handle provident fund loan business, and borrowers and spouses no longer provide income certificates issued by the unit and payrolls issued by the bank. In addition, when handling the loan business, unmarried or divorced borrowers who have not remarried will no longer provide the marriage record certificate issued by the civil affairs department. Ordinary people in Zhengzhou handle the provident fund withdrawal business, and the extractor no longer provides the proof of the relationship between father and son (female) and mother and child (female) issued by the public security department.

If you have any questions, please call Zhengzhou Housing Provident Fund Customer Service Hotline: 12329.

The latest policy of Zhengzhou provident fund loan

Since June 10, 2022, the first personal housing provident fund loan in Zhengzhou has implemented the new interest rate.

Since June 65438+1 October1day, 2022, the interest rate of the first personal housing provident fund loan in Zhengzhou has been lowered from the current 2.75% for five years and below to 2.6%, and from the current 3.25% for five years and above to 3. 1%.

Zhengzhou provident fund loan amount

● The deposits of both husband and wife of the borrower meet the conditions of provident fund loans. For the first time to purchase the first family housing with provident fund loans, the maximum amount of provident fund loans is 800,000 yuan. If the borrower unilaterally pays the provident fund loan, and the family uses the provident fund loan for the second time to purchase a second family house, the maximum amount of the provident fund loan is 600,000 yuan.

● If the family uses the provident fund loan for the first time, within the corresponding maximum provident fund loan amount, the single loan amount shall be determined according to the comprehensive repayment ability, the longest loan period and the loan proportion. If a family uses a provident fund loan for the second time or buys a second family house, within the corresponding maximum loan amount, a single loan amount shall be determined according to the balance of household deposits, repayment ability, longest loan period and loan ratio.

● If the housing loan of a commercial bank is not settled, its repayment ability shall be determined by the combined monthly repayment amount. If the repayment ability is insufficient, the amount of provident fund loans will be reduced.

● If the family uses the provident fund loan for the second time or buys a second family house, the amount of the provident fund loan shall not exceed 15 times of the balance paid by the family.

Zhengzhou provident fund loan amount

On February 4th, 65438, official website, Zhengzhou Housing Provident Fund Management Center, sent a message, which was discussed and approved by the 43rd meeting of Zhengzhou Housing Provident Fund Management Committee, and the loan amount of Zhengzhou Housing Provident Fund will be comprehensively increased in 2020.

Adjustment of loan amount of Zhengzhou housing provident fund in 2020;

According to the New Deal, employees who bought houses in June 2020 at 65438+ 10 1 can sign contracts for the record according to the new loan amount. That is, if both husband and wife of the borrower meet the conditions for provident fund loans and the family applies for provident fund loans for the first time, the maximum loan amount will be raised from 600,000 yuan to 800,000 yuan. If the borrower unilaterally meets the conditions for provident fund loans or the family applies for provident fund loans for the second time, the maximum loan amount will be raised from 400,000 yuan to 600,000 yuan.

Calculation method of loan amount of Zhengzhou housing provident fund;

(a) through the housing provident fund website, 12329 customer service telephone or service hall window to inquire about the deposit information of myself and my spouse, and calculate the sum of the balance of both husband and wife's accounts and my deposit period.

(2) Calculate the loanable amount with the formula: loan amount = deposit account balance ×( 14-year deposit). If the calculation result is greater than the corresponding maximum loan limit (choose 400,000 yuan or 600,000 yuan according to the deposit situation), the maximum loanable amount is 400,000 yuan or 600,000 yuan; If the calculation result is less than or equal to the maximum loan limit, the maximum loanable amount is the calculation result.

(3) After the loan amount is determined, choose the repayment method and the longest loan period, and use the calculator provided by the housing provident fund website to calculate the monthly repayment amount. If the monthly payment is less than 60% of the couple's income, the corresponding loan amount is the final loanable amount, otherwise the loan amount should be appropriately reduced. The income of husband and wife must also be the monthly income approved when the housing provident fund is paid.