In the newly promulgated Measures for the Administration of Loans, there are several major changes, and the scope of loan objects has also been adjusted. In the cities of Beibu Gulf Economic Zone (Nanning, Beihai, Qinzhou, Fangchenggang, Yulin and Chongzuo), employees who meet the prescribed conditions can register.
According to the viewpoint of real estate new media, the biggest change of this new policy is that the first implementation of provident fund loans follows the principle of "deposit first, then loan, deposit and loan linkage".
The calculation of loan amount will be fine-tuned. After adjustment, the amount of loans granted to employees will be linked to the balance of personal accounts and the years of deposit, so as to achieve accurate matching between the deposit amount and loan rights and interests, and better support employees who pay more for more.
The amount of each provident fund loan shall meet the following limit standards at the same time: it shall not be higher than the maximum loan amount stipulated by the Administrative Committee: the maximum amount of the first housing provident fund loan is 700,000 yuan, and the maximum amount of the second housing provident fund loan is 600,000 yuan;
It shall not be higher than the loan amount determined by multiplying the deposit balance in the housing provident fund account by the deposit balance multiple, deposit time coefficient and risk prevention and control coefficient when the borrower applies, that is, loan amount = borrower's provident fund deposit balance × deposit balance multiple × deposit time coefficient × risk prevention and control coefficient;
It shall not be higher than the remaining price after deducting the down payment from the total house price; Not higher than the loan limit determined by the loan applicant's repayment ability coefficient (the ratio of monthly repayment amount to family monthly income); Other factors that affect the loan amount, such as the credit status of the loan applicant.
The New Deal clearly no longer describes the number of loans and the number of housing units separately, but uses the expression of "the first set of housing and the second set of housing" to uniformly distinguish the applicable housing provident fund loan policies, which makes the scope of the first set of housing and the second set of housing more clear and cancels the housing area limit.
If the loan applicant has no housing in the administrative area of Nanning (the loan applicant of the Railway Sub-center is in the administrative area of purchasing houses) and has not used provident fund loans nationwide, it will be regarded as buying the first home and implementing the provident fund loan policy for the first home.