According to the news from the Housing Provident Fund Management Center of Ganzhou City, Jiangxi Province, on August 26th, Ganzhou City, Jiangxi Province issued the Notice on Raising the Maximum Loan Amount of Housing Provident Fund for Workers with Three Children (hereinafter referred to as the Notice).
According to the notice, since September 1 day, the maximum loan amount has been increased by 200,000 yuan on the basis of the current policy, that is, employees' families (couples) who meet the housing provident fund loan policy of Ganzhou City and legally give birth to three children apply for housing provident fund loans in the central city, and the maximum loan amount has been increased by 600,000 yuan. The maximum amount of housing provident fund loans for single-deposit employees (couples) who have given birth to three children according to law to buy (build) self-occupied housing in the central city will be raised from 500,000 yuan to 700,000 yuan, and in other counties (cities) from 400,000 yuan to 600,000 yuan.
On the same day, in order to further meet the fund demand of employees to buy second-hand houses, reduce the pressure on employees to repay loans, promote the virtuous circle and steady development of the second-hand housing market, and support employees' housing consumption, Ganzhou City issued the Notice on Starting the Personal Housing Provident Fund Portfolio Loan Business for Second-hand Houses.
Among them, the "Notice" stipulates that the service life of the house plus the loanable period of the loan shall not exceed 40 years, and the longest loan period shall be 30 years. The loan period of provident fund loans and commercial housing loans must be the same. The cooperative banks are six entrusted banks for housing provident fund loans: China Construction Bank, Industrial and Commercial Bank of China, Agricultural Bank, China Bank, Ganzhou Bank and China Merchants Bank.
In addition, on the 26th, Ganzhou also issued the Notice on Carrying out Mutual Recognition and Lending of Housing Provident Funds in Some Cities in Hunan. Since September 1 year, on the basis of mutual recognition and mutual loan of housing provident fund in different places in the province, the housing provident fund deposits in Changsha, Zhuzhou, Xiangtan, Yueyang, Chenzhou and Hunan provinces have been increased, that is, employees who have paid housing provident fund in five cities, including Changsha, Hunan Province, have purchased houses in Chenzhou. If the paid workers in Ganzhou purchase houses in five cities, such as Changsha, Hunan, they can apply for withdrawing the balance of individual housing provident fund account according to Ganzhou housing provident fund withdrawal policy.
Notice on the adjustment of down payment ratio of Jiangxi provident fund loans in 2022
Notice on the adjustment of down payment ratio of Jiangxi provident fund loans in 2022
_ Notice on reducing the down payment ratio of housing provident fund loans;
Workers paid by provincial units:
In order to further play the guarantee role of the housing provident fund system and effectively meet the basic housing needs of employees paid by provincial units, Nanchang Housing Provident Fund Management Committee decided to reduce the down payment ratio of housing provident fund loans. Details are as follows:
The paid workers' families use the housing provident fund loan to purchase the first set of ordinary housing (including commercial housing loans to housing provident fund loans), and the minimum down payment ratio is adjusted from 30% to 20%; When buying two sets of ordinary houses (including commercial housing loans to housing provident fund loans), the minimum down payment ratio will be adjusted from 40% to 30%, and the interest rate will remain unchanged at 10%.
The execution time shall be from June 7, 2022 (inclusive), and the filing time of the purchase contract shall prevail for the commercial housing, the time specified in the deed tax payment certificate for the stock housing, and the acceptance time for the commercial housing loan to be converted into the housing provident fund loan shall prevail.
Jiangxi province housing fund management center
June 7(th), 2022
Notice on the adjustment of down payment ratio of Nanchang provident fund loans in 2022
_ Notice on Adjusting the Down Payment Ratio of Nanchang Housing Provident Fund Loan;
In order to give full play to the housing security function of housing provident fund and meet the reasonable housing needs of employees, with the approval of Nanchang Housing Provident Fund Management Committee, the down payment ratio of housing provident fund loans in our city is adjusted as follows:
The paid workers' families use the housing provident fund loan to purchase the first set of ordinary housing (including commercial housing loans to housing provident fund loans), and the minimum down payment ratio is adjusted from 30% to 20%; When buying two sets of ordinary houses (including commercial housing loans to housing provident fund loans), the minimum down payment ratio will be adjusted from 40% to 30%, and the interest rate will remain unchanged at 10%.
The execution time shall be from June 7, 2022 (inclusive), and the filing time of the purchase contract shall prevail for commercial houses, the time specified in the deed tax payment certificate for stock houses, and the time of acceptance for business transfer.
Nanchang housing fund management center
June 7(th), 2022
Jiangxi provident fund loan interest rate 2022 latest interest rate
On March 8, 2022, the loan interest rate of housing provident fund in Jiangxi Province was released, and the new loan interest rate of housing provident fund was 7.2 times of the benchmark interest rate. The preferential interest rate has not changed, and it is still 4.7 times the benchmark interest rate. This means that after March 18, 2022, the interest rate of housing provident fund loans obtained by buyers in Jiangxi Province is 5.905%, which is 0.905% lower than the benchmark interest rate of 7% of banks; The preferential interest rate is 3.635%, which is also lower than 0.635% of the bank benchmark interest rate of 7%. In addition, according to the requirements of Jiangxi Provincial Provident Fund Management Center, after March 18, 2022, buyers in Jiangxi Province can enjoy a higher validity period and enjoy preferential rates. The validity period is calculated annually from March +08+10/day, 2065438.
Jiangxi Gaoan: the down payment ratio of provident fund loans is 20%
On May 17, the Gao 'an Municipal Government of Jiangxi Province issued the Notice on 48 Policies and Measures for Further Promoting High-quality Leaping Development in Five Major Fields. Relevant measures of real estate policy mentioned that the housing provident fund loan policy should be adjusted; Subsidize the purchase of the first first-hand commercial housing in Gao' an.
Specifically, if employees (including families) use the housing provident fund to purchase the first house for the first time, the down payment ratio will be adjusted to 20%. The maximum loan amount is adjusted from 600,000 yuan to 800,000 yuan for double-paid employee families (both husband and wife have paid housing provident fund for 6 months). The maximum loan amount for a single employee family (one of the husband and wife has continuously paid the housing provident fund for 6 months) is 600,000 yuan.
At the same time, housing subsidies will be given to the buyers who buy the first set of first-hand commercial housing in Gao 'an, and the housing subsidies will be paid to the buyers in a lump sum in the form of money. The subsidy standards are as follows: full-time doctoral students and full-time senior technicians 200 yuan /m2, full-time graduate students and associate senior technicians 150 yuan /m2, full-time undergraduates, intermediate technicians and senior technicians 120 yuan /m2. The policy period is May 1 day, 2022 to February 3 1 day, and the individual application time is March 1 day, 2023.
The New Deal also mentioned that for newly transferred land projects (subject to the release time of land transfer announcement), 20% of the starting price of land transfer will be paid as a bid bond. After the signing of the land transfer contract, it is allowed to pay not less than 50% of the land transaction price within one month, pay the remaining land transaction price within three months and pay the corresponding interest according to the bank loan interest during the same period. The term of the policy is May 1 day, 2022 to February 3 1 day, 2022.
For real estate development projects that have implemented the supervision of commercial housing pre-sale funds, the proportion of supervision funds is adjusted to 6% according to the enterprise credit and the actual progress of project construction. After the project is put on record and the supporting facilities are completed and accepted, the proportion of supervision funds will be adjusted to 3%, and the proportion of supervision funds will be adjusted to 2% after the project is handed over and accepted. After the real estate right is completed, the supervision fund account will be released to reduce the pressure on the working capital of enterprises. The term of the policy is May 1 day, 2022 to February 3 1 day, 2022.
In addition, for bid bond, performance bond and project quality bond in the real estate field, bank guarantee, insurance guarantee and electronic guarantee are vigorously promoted to replace cash deposit, and they are encouraged to be issued in Gao 'an state-owned banks and state-owned insurance enterprises, effectively reducing the cash pressure on enterprises.
This is the stipulation of Jiangxi province provident fund loan policy and Jiangxi province provident fund loan policy issued at the end of the year. I wonder if you found the information you need from it?