Increase the amount of provident fund loans
0030 10 shows that Anqing will adjust the housing provident fund policy. If both husband and wife pay the housing provident fund, the maximum loan amount will be raised from 450,000 yuan to 500,000 yuan, and the unilateral payment will be raised from 350,000 yuan to 400,000 yuan.
Anyone who applies for housing provident fund loans for the first time to purchase new commercial housing within the administrative area of Anqing City shall have a minimum down payment ratio of 20% (the minimum for second-hand housing is 30%); If the first loan has been paid off, the minimum down payment for the second application for housing provident fund loan to purchase new commercial housing is 30% (the minimum for second-hand housing is 40%), and the loan interest rate is 1. 1 times the benchmark interest rate of housing provident fund loan.
The "Measures" show that enterprises affected by the epidemic can apply for delaying the payment of the housing provident fund from June to June, 2023, and pay it back after the expiration. During this period, the paid employees will normally withdraw and apply for housing provident fund loans without delay; If the depositor affected by the epidemic cannot repay the housing provident fund loan normally from June 1 day to February 3 1 day, 2023, it is not overdue and will not be submitted to the credit information department as an overdue record. Increase the maximum withdrawal amount of rental housing provident fund, which is limited to 1.200 yuan per household per month, and withdraw according to the actual rental expenditure within the maximum amount.
Credit policy: reasonably delay the repayment period of buyers and flexibly adjust the repayment plan.
Encourage financial institutions to simplify the examination and approval materials, optimize the examination and approval process, and strive to complete the examination and approval within 2 working days with complete information, and lend money on the same day after filing. Encourage financial institutions to waive contract change fees and other fees, and bear the fees such as mortgage registration fees for individual housing loan customers and assessment fees for second-hand housing mortgage collateral.
Anqing also provides loans to support enterprise projects. All financial institutions are not allowed to borrow, cut off or suppress loans for no reason, so as to ensure the orderly delivery of housing loans for real estate development enterprises, construction enterprises and individuals. Encourage financial institutions to support enterprises that are seriously affected by the epidemic and have difficulties in repayment due in accordance with the principles of marketization and rule of law, and submit credit records in accordance with the adjusted repayment arrangements. Guide financial institutions to maintain a reasonable increase in credit for real estate development enterprises and ease the liquidity difficulties of market players.
Optimize the supervision of pre-sale funds of commercial housing.
For housing enterprises, Anqing also proposed a number of support measures.
Optimize the commercial-residential ratio of newly transferred plots. Allow the overall balance of the building capacity of newly sold commercial plots. At the same time, if the adjacent plots in the newly sold same plot are for business purposes, it is allowed to comprehensively balance the building capacity between plots according to the maximum total capacity area, and the planning and construction plan can be submitted for approval simultaneously.
At the same time, delayed delivery is allowed. Due to the epidemic situation, the delivery period of commercial housing projects under construction and for sale that have not been delivered can be extended by 30 days, unless otherwise agreed by both parties. If real estate development enterprises encounter difficulties in stages, local governments and relevant departments should actively help enterprises solve practical difficulties in accordance with the principle of "one enterprise, one policy" while adhering to market rules.
0030 10 shows that Anqing will explore the project acceptance method in stages. Establish acceptance criteria, and try to complete the acceptance of the unit project that has met the use function separately on the premise of meeting the planning permission. Residential, commercial and office development projects shall not be approved by stages within the scope of the land corresponding to the Zhang Jianshe Project Planning Permit.
Adju
Optimize the supervision of pre-sale funds of commercial housing. Adjust the flexibility and adaptability of the allocation and use of regulatory funds appropriately. Before 65438+February 3, 20231,the control standard of key supervision funds will be appropriately lowered and allocated according to the actual progress of the project. If the same group company has multiple development projects in Anqing (including counties and cities), it can make overall use of supervision funds in accordance with the principle of "one city, one policy" on the premise of ensuring project development and construction and ensuring building delivery. After the supervision account of pre-sale funds of commercial housing is frozen by the people's court, if real estate development enterprises, creditors of commercial housing construction projects, creditors of materials and rental equipment request to use the funds in the supervision account of pre-sale funds to pay for the construction of projects such as construction progress, materials and equipment, or if the purchaser applies for refund of the purchase price due to the termination of the purchase contract, the commercial bank shall pay in time with the consent of the housing construction department.
Proofreading: zhangyan
Related Q&A: How to borrow provident fund consumer loans 1, and how to handle them by banks. Some banks can handle provident fund consumer loans, such as China Everbright Bank, China Merchants Bank, Minsheng Bank and China CITIC Bank. After accepting the loan application, the bank will generally review the applicant's credit information, repayment ability and provident fund account.
2. Online lending platform loans. In addition to banks, many P2P online lending platforms also provide provident fund loan services. For example, pleasant loans usually need to authorize personal provident fund accounts to make inquiries when applying.
3. In fact, the so-called provident fund consumer loan is based on the provident fund. What matters is not the balance of the provident fund account, but the provident fund as the basis for the applicant's credit review.
Related questions and answers: Is there a provident fund consumer loan? Recently, a bank employee said that he could apply to the bank? In recent years, with the increasing downward pressure on the economy, many small and medium-sized enterprises are facing enormous operating pressure, and there has been an obvious "Matthew effect" in all industries, that is, the strong are getting stronger and stronger, the weak are getting weaker and even being cleared out of the market. There are only a few leading enterprises in each industry, and these leading enterprises have fixed business cooperation with several big banks, which is equivalent to the big banks stealing the business of many small and medium-sized banks. As a result, many small and medium-sized banks have turned to personal loans. Especially in recent years, with the concept of consumption upgrading and the application of financial technology in the field of personal consumption loans, more and more consumer loans have been put on the market, and the interest rates of many consumer loans are very favorable, among which the provident fund consumer loan is a very typical consumer loan.
0 1 Provident fund consumption loan is not a provident fund loan.
Although the name is provident fund consumption loan, this loan has a certain relationship with provident fund, but it is not a provident fund loan. This loan is actually a pure credit commercial loan for personal consumption issued by commercial banks with the help of the big data of employees paying housing provident fund as a reference for loan approval.
Provident fund consumer loans are only for some specific groups.
As the name implies, the premise of applying for provident fund consumer loans is that there must be people who pay housing provident fund. Then, why should banks develop a consumer credit product for this group of people? Judging from the annual reports of housing provident fund management centers published in various places, civil servants, employees of public institutions and employees of state-owned enterprises account for a relatively large proportion of housing provident fund contributions, especially in some underdeveloped areas, and this proportion will be higher, while it will be slightly lower in these economically active areas.
The above two figures show the proportion of housing provident fund deposit in Qingyuan City, a prefecture-level city in northern Guangdong. State organs, institutions and state-owned enterprises account for nearly 50% of the total, whether they are paying units or employees.
The above is the situation of housing provident fund deposit in Shaanxi Province, with state organs, institutions and state-owned enterprises accounting for a relatively high proportion. Therefore, it can be said that most people who pay housing provident fund have a stable source of income, and their income is not low in the local area, that is, high-quality individual customers that banks are pursuing. It is not difficult to understand why banks will develop a special consumer loan product for this group of people.
Provident fund consumer loans can reverse personal income through provident fund payment.
As mentioned above, most people who have paid the housing provident fund are people with stable income, which is more obvious in economically underdeveloped areas. In economically developed areas, because of the active economy, many private enterprises are strong and pay housing provident fund, so the employees of such enterprises may have stronger economic ability. When banks launched provident fund consumer loans to these people, they had already delineated people with relatively strong local economic strength, willingness to spend and repayment ability. After being authorized, the bank can inquire about the deposit record of the housing provident fund of the loan applicant and get important information such as the applicant's working years and salary income over the years. These information, together with personal credit information, can easily calculate the important information of the applicant's repayment ability, integrity and so on, so as to quickly make loan approval.
Provident fund consumer loans usually have favorable interest rates and fast approval speed.
In view of the fact that people who meet the requirements of provident fund consumer loans are relatively high-quality customers, the loan interest rates given by banks are relatively favorable, and the lowest can be the benchmark interest rate. Moreover, the approval of such loans is relatively simple, and they are generally unsecured pure credit loans. Many banks have developed online credit products. You only need to provide relevant information online and authorize to inquire about the deposit of housing provident fund, so you can quickly get feedback on whether the loan is approved.