According to the Ningbo Housing and Construction Bureau, from June 5438+1 October1in 2022, the maximum amount of housing provident fund loans for families with two or three children in Ningbo is expected to be 200,000 yuan more.
This policy is mainly aimed at families who have two or three children in line with the national birth policy. At the same time, it is required to continuously pay the housing provident fund for two years, and purchase the first set of self-occupied housing for the first time to apply for provident fund loans. The maximum loan amount was raised from 600,000 yuan/household to 800,000 yuan/household. Other provisions on the application conditions, calculation method of loanable amount, calculation of repayment ability and loan term of housing provident fund loans remain unchanged.
According to the New Deal, since the implementation of the "comprehensive two-child policy" in 20 15, especially after the release of the "Decision of Central the State Council on Optimizing the Birth Policy and Promoting the Long-term Balanced Development of the Population" in 20021June, the number of families who have given birth to two or three children in response to the national birth policy will increase significantly, and more and more employees will come to the provident fund center to consult or reflect whether they can enjoy the corresponding housing provident fund policy.
In addition, the housing provident fund management center in Fenghua District of Ningbo has also introduced new policies. From June 5438+1 October1day, 2022, families who have two or three children in line with the national birth policy have continuously paid housing provident fund for two years and applied for provident fund loans for the first time to purchase the first self-occupied housing. The maximum loan amount of housing provident fund is raised from 400,000 yuan/household to 600,000 yuan/household.
According to Ningbo's average commercial loan interest rate and provident fund loan interest rate of 5.45% and 3.25% respectively, if the loan is 20 years, 200,000 yuan will be converted from commercial loan to provident fund loan, which will reduce the interest of buyers by more than 200 yuan per month, equivalent to a can of milk powder.
Among the factors that couples of childbearing age are unwilling to have children, the heavy burden of medical care, education and housing is the key point. In this regard, many parts of the country have formulated supporting policies for housing concessions for two-child and three-child families, trying to "promote life with housing".
On the 23rd, Jilin Province also issued the "Implementation Plan on Optimizing Birth Policy to Promote Long-term Balanced Population Development", which mentioned that people's governments at all levels can give appropriate care to families with minor children according to the number of minor children when allocating public rental housing; According to the burden of raising minor children, we will formulate and implement preferential policies for differentiated leasing and house purchase, and support banking institutions to provide 200,000 yuan of marriage and childbearing consumer loans to couples who meet the relevant conditions.
Recently, the Guizhou Provincial Party Committee and the Guizhou Provincial People's Government jointly issued the "Implementation Plan on Optimizing the Birth Policy to Promote the Long-term Balanced Development of the Population", which mentioned that it is necessary to study and formulate a housing policy that actively supports birth, and implement differentiated preferential policies for buying houses according to the burden of raising minor children.
Yan Yuejin, research director of the think tank center of Yiju Research Institute, said that at present, there are more and more policies for three-child families in various places, so it is necessary to introduce supporting housing policies. Previously, Linze, Gansu, Chaoyang, Beijing, Hai 'an, Jiangsu, Shaanxi and other places have implemented relevant support policies for the housing of three-child families, and the subsequent housing support policies for three-child families will increase substantially.