This series of policy adjustments have been implemented in June this year 10.
Couples can borrow up to 800 thousand.
As early as March 30th this year, the People's Bank of China, the Ministry of Housing and Urban-Rural Development, and the China Banking Regulatory Commission jointly issued the Notice on Issues Related to Individual Housing Loan Policy. For the adjustment of the down payment ratio of housing provident fund loans in the document, the Municipal Housing Provident Fund Management Center did not respond substantially.
The published documents are clear and approved by the Fifth Session of the Third Session of the Municipal Housing Provident Fund Management Committee. Clearly stipulate that the minimum down payment ratio for employees to purchase the first set of self-occupied housing is 20%; If you own 1 house and have settled the loan, and apply for housing provident fund loan to buy improved housing again, the minimum down payment ratio is 30%. It is worth noting that if you own two or more houses and apply for a loan for the third time, it will be recognized as the third and above housing loan application and no loan will be granted.
Prior to this, the minimum down payment ratio of individual housing provident fund loans in Dongguan was 30%, and the second house should not be less than 50%.
In addition to the adjustment of the down payment ratio, the new policy also adjusted the loan ceiling.
The maximum loanable amount of employees' individual contributions will be raised from 480,000 yuan to 500,000 yuan, and the maximum loanable amount of employees' husband and wife will be raised from 700,000 yuan to 800,000 yuan.
For this adjustment, Li Qingxing, deputy director of the Municipal Housing Provident Fund Management Center, explained that this adjustment is mainly to improve the issuance of improved housing and just-needed housing loans.
Housing area is no longer restricted.
In addition, employees' families can apply for loans again from the date of settlement of the first housing provident fund loan; Cancel the housing construction area limit for using housing provident fund loans to purchase houses.
Since August 20 12, the housing area restriction is limited to the purchase of self-occupied houses with a building area of 144 square meters or less. After nearly three years of strict implementation, this restriction was lifted from June this year 10. According to industry insiders, this is a good deal for a super-large house.
In addition, the "Notice" stipulates that employees whose spouses are registered in Dongguan and the applicants who use mortgage loans are the owners or spouses of commercial mortgage houses can apply for loans.
In this city, the time interval between renting houses and drawing housing provident fund shall be no less than 3 months.
The personal loan coefficient has been adjusted accordingly.
At the same time, the coefficient of the personal loan calculation formula was adjusted.
The Municipal Provident Fund Center said that it will dynamically and flexibly adjust the coefficient parameters of the loanable amount calculation formula "loanable amount = balance of individual provident fund account × (deposit time coefficient+income adjustment coefficient )× liquidity adjustment coefficient", which will be adjusted and announced by the Municipal Housing Provident Fund Management Center.
The public can log in to the municipal provident fund management center to inquire about the specific coefficient adjustment table. ( www.dggjj.cn )
At present, the main adjustments are the liquidity adjustment coefficient and the income adjustment coefficient. The previously published liquidity adjustment coefficient is divided into three grades, but the current liquidity adjustment coefficient is adjusted to six grades, with the highest coefficient of 1.4 and the lowest coefficient of 0.6.
In addition, compared with the previous adjustment, the main change of the income adjustment coefficient is that the monthly deposit is lower than that of 400 yuan or equal to that of 400 yuan, and the highest loan coefficient is 12, while the previous classification standard was to start from the lowest 200 yuan.
Focus on dispelling doubts
1. How to identify the second suite?
City Provident Fund Center: The number of housing units is determined according to the number of housing units registered by employees' families in the housing property registration department of our city, and the number of loan units is determined according to the number of times employees' families use housing provident fund loans. There is no room and the first application is recognized as the first suite, and the minimum down payment ratio is 20%; If you own a house, apply for a second set of loans after the first set of loans is settled, own a house and settle the first set of loans, and apply for a loan by purchasing a duplex house, it will be considered as an application for a second set of housing loans, with a minimum down payment ratio of 30%.
2. What are the special provisions for portfolio loans?
City Provident Fund Center: If applying for portfolio loan, the sum of the first set of housing loan application, housing provident fund loan amount and commercial loan amount shall not exceed 80% of the housing value; To apply for a second housing loan, the sum of the housing provident fund loan amount and the commercial loan amount shall not exceed 70% of the housing value. When the applicant finds that the number of housing units and housing loans owned by employees' families have been paid off, the number of housing units and commercial loans are not counted.
3. What are the special rules for applying for a loan after buying a duplex house?
City Provident Fund Center: To buy a duplex house, you need to apply for a loan, and both houses must be owned by the same buyer (owner). Among them, if the other set of housing is a commercial loan, it is required to be the same loan bank as the housing provident fund loan; If the applicant turns to public loans, another house cannot be mortgaged or has other rights restrictions.
(The above answers were published on 20 15-06-30. Please refer to the actual situation for the current purchase policy. )
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