A few days ago, Chongqing Housing Provident Fund Management Center issued the Notice on Adjusting the Relevant Policies of Housing Provident Fund Personal Housing Loan (hereinafter referred to as the Notice), announcing that the maximum loan amount of personal provident fund will be raised from 400,000 yuan to 500,000 yuan, and the maximum loan amount of couples participating in the loan will be raised from 800,000 yuan to 6.5438+0 million yuan.

At the same time, the Notice also adjusted the criteria for determining the number of newly purchased housing units, the down payment ratio and the scope of provident fund support, and paid attention to the policy inclination of families with many children in reducing the down payment ratio and increasing the loan amount.

It is worth noting that in order to expand the scope of housing provident fund support, Chongqing's notice not only explicitly supports flexible employees to buy houses, but also further deepens the "mutual recognition and mutual loan" of Sichuan-Chongqing housing provident fund. Sichuan housing provident fund deposit workers can enjoy the same city treatment when they apply for provident fund personal housing loans in Chongqing.

The loan amount will increase again.

In fact, as early as the end of last year, the news of raising the maximum loan amount of housing provident fund came from the Chongqing market, which was confirmed by the local housing provident fund management center, and the subsequent Notice on Printing and Distributing Several Measures to Promote the Healthy Development of Chongqing's Real Estate Industry also clarified the relevant adjustments.

At that time, the policy adjustment was mainly aimed at the relevant policies issued by the local government on 20 17, requiring the undertaking banks of housing provident fund to suspend accepting applications for provident fund loans for non-first suites in the main city of Chongqing, and limit the first suites to employee families (including commercial loans and provident fund loans) with no housing and no record of buying houses. After the adjustment, it is not only clear that the main urban area of Chongqing can support two sets of housing to apply for provident fund loans, but also increase the maximum loan amount of husband and wife from 600,000 yuan to 800,000 yuan.

At the same time, the relevant policies also clarified the criteria for determining the second set of housing for provident fund loans. It is clear that the families of employees who have paid the housing provident fund have two or more houses or have two or more housing loan records. After the sale of the existing housing, the family has no housing or only 1 apartment, and the housing loan has been settled or there is only one outstanding commercial housing loan. When buying a house again, you can apply for a housing provident fund loan in accordance with the policy of buying a second house.

The adjustment in the Chongqing notice once again involves similar content.

As for the criteria for determining the number of newly purchased housing units, the Notice of Chongqing Municipality clarifies that if a paid employee family uses the housing provident fund personal housing loan to purchase a new house locally, only the housing provident fund personal housing loan record will be included in the approved scope, and if a new house is purchased in the central city, its housing outside the central city will not be included in the approved scope of housing units. The "Notice" also clarifies that the number of personal housing loans issued to employees' families by using the housing provident fund shall not exceed two times.

In terms of the maximum loan amount, this notice of Chongqing announced that the maximum loan amount for individuals will be raised from 400,000 yuan to 500,000 yuan, and the maximum loan amount for husband and wife to participate in loans will be raised from 800,000 yuan to 6.5438+0 million yuan.

Deepen the "mutual recognition and mutual loan" of housing accumulation fund in Sichuan and Chongqing

In addition to optimizing the loan quota and the criteria for determining the number of newly purchased housing units, Chongqing's Notice also clearly reduced the down payment ratio. Workers' families buy a second house and apply for provident fund personal housing loans, and the minimum down payment ratio is reduced from 40% to 30%; If an employee's family saves one more child to buy a second house, the minimum down payment ratio will be reduced to 25%.

In fact, in terms of the maximum loan amount, Chongqing's policy adjustment is also more inclined to families with many children. Chongqing's "Notice" clarifies that if many children are deposited in employee families to apply for housing provident fund personal housing loans, the maximum amount of personal loans will be raised to 600,000 yuan; If the husband and wife jointly participate in the loan, the maximum amount of family loan will be increased to 6.5438+0.2 million yuan.

It is worth noting that in order to expand the scope of housing provident fund support, Chongqing's "Notice" also clearly proposed to support flexible employees to buy houses and deepen the "mutual recognition and mutual loan" of housing provident fund in Sichuan and Chongqing.

In terms of supporting flexible employees to buy houses, Chongqing's "Notice" clarifies that eligible families of flexible employees can apply for housing provident fund personal housing loans when purchasing a second home.

Recently, Chongqing Housing Provident Fund Management Center has interpreted the main policies for flexible employees to participate in the pilot housing provident fund system, and made it clear that the target of flexible employees to participate in the pilot housing provident fund system is all kinds of people who are over 16 years old, have full capacity for civil conduct or are regarded as full capacity for civil conduct, and are employed flexibly in the local area by self-employment, part-time, and new formats.

At the same time, the above explanation also clarifies the preferential policies for local flexible employees to pay housing provident fund, mainly for housing provident fund paid within the prescribed standards, which can be deducted according to law when collecting personal income tax; Eligible depositors can get deposit subsidies.

In terms of deepening the "mutual recognition and mutual loan" of Sichuan-Chongqing housing provident fund, Chongqing's "Notice" clarifies that employees who have paid Sichuan housing provident fund apply for provident fund personal housing loans in Chongqing to enjoy the same city treatment.

In fact, under the background of the construction of the twin-city economic circle in Chengdu-Chongqing area, the integrated development of housing provident fund in Sichuan and Chongqing has been carried out in both places since 2020. According to media reports, by the end of June this year, Sichuan and Chongqing had transferred 20,000 people from different places, with a transfer amount of 1 100 million yuan; A total of 5037 loans were granted in different places, with an amount of 1 100 million yuan.