First, the maximum amount of housing provident fund loans was adjusted from 450,000 yuan to 500,000 yuan.
Two, the first use of housing provident fund loans to buy ordinary self-occupied housing workers' families, the down payment ratio shall not be less than 20%, at the same time, you can apply for the withdrawal of personal housing provident fund balance to supplement the down payment.
Third, for the paid workers' families (including borrowers, spouses and minor children) who have applied for a housing provident fund loan once in the administrative area of Guiyang City and settled the corresponding housing loans, if they apply for a housing provident fund loan again to buy ordinary self-occupied housing in order to improve their living conditions, the interest rate will be implemented according to the benchmark interest rate of housing provident fund loans, with the down payment ratio of not less than 30% and the maximum loan amount of 500,000 yuan.
Workers' families are not allowed to apply for the third housing provident fund loan.
Four, the first use of housing provident fund loans to buy second-hand housing workers' families, Xing Tao construction area of less than 90 square meters (inclusive), the down payment ratio shall not be less than 25%, Xing Tao construction area of more than 90 square meters, the down payment ratio shall not be less than 40%; In order to improve the living conditions, the second application for housing provident fund loans to buy second-hand housing, the down payment ratio shall not be less than 40%.
5. The calculation formula of housing provident fund loan is: employee loan amount = monthly paid salary base of loan employee (couple) × 12× repayment ability coefficient (30%)× loan period+paid balance of employee (couple) ×5 times. If the "employee (husband and wife) deposit balance" in the calculation formula is less than 1 ten thousand yuan, it shall be calculated as 1 ten thousand yuan.
This notice shall be implemented as of May, 2065438 1 day.