The "Notice" shows that in order to further play the role of housing provident fund credit and support the reasonable housing needs of paid employees, the relevant policies of housing provident fund loans in Hangzhou have been adjusted.
According to the Notice, if employees' families have no housing, no housing loan records or commercial housing loan records and the corresponding loans have been settled, if they apply for housing provident fund loans to purchase ordinary self-occupied housing in order to improve their living conditions, the first suite policy will be implemented, and the down payment ratio of loans will not be less than 30%.
For employees who own 1 house under their family name, or who have no house but have housing provident fund loan records and the corresponding loans have been settled, if they apply for housing provident fund loans to buy ordinary self-occupied houses again, the second suite policy will be implemented, and the down payment ratio of the loans will not be less than 40%.
In addition, employees who own two or more houses or housing provident fund loans under their family names are not allowed to apply for housing provident fund loans.
According to the notice, the scope of implementation has been adjusted to purchase ordinary self-occupied housing in Shangcheng District, Gongshu District, Xihu District, Binjiang District, Xiaoshan District, Yuhang District, Linping District, Qiantang District, Fuyang District and Lin 'an District.
The Notice shall come into effect on June 28th, 2022, and the online signing date of the contract is June 165438+ 10/day and later, which shall be implemented according to the provisions of this Notice. The online signing date of the commercial housing sales contract shall prevail for new commercial housing, and the online signing date of the housing transfer contract shall prevail for second-hand housing. If the contract was signed before June165438+1October 1 1 in 2022, the original policy shall prevail.
Previously, commercial personal housing loans in Hangzhou have been adjusted. According to qianjiang evening news Hour News 165438+ 1010/An Emergency Notice on Adjusting the Policy of Personal Housing Mortgage Loan in Hangzhou issued by a bank in Hangzhou, which adjusted the conditions for determining the first home loan, the down payment ratio of the second home and the loan interest rates of the first and second homes in Hangzhou, which was confirmed by the staff of many banks in Hangzhou. According to the notice, the condition for determining the down payment of 30% for the first suite in Hangzhou has changed from "recognizing the house and recognizing the loan" to "recognizing the house and not recognizing the loan", that is, the purchaser who has no house in Hangzhou but has a mortgage record and the loan has been settled can follow the first home loan policy.
In addition, the minimum down payment ratio for buyers who purchase two houses by loan is adjusted from the previous 60% to 40%.
Among them, the minimum adjustment of the first home loan interest rate is 4. 15%, and the minimum adjustment of the second home loan interest rate is 4.9%.