According to the notice, if the depositor purchases the first self-occupied house and applies for the housing provident fund loan for the first time, the maximum loan amount will be implemented according to the benchmark amount 1. 1 times, that is, if one party meets the housing provident fund loan conditions, the maximum loan amount will be 440,000 yuan, and if both parties meet the housing provident fund loan conditions, the maximum loan amount will be 660,000 yuan.
If the depositor purchases a second set of self-occupied housing or applies for housing provident fund loans again, the maximum loan amount is based on the benchmark amount, that is, if one party meets the housing provident fund loan conditions, the maximum loan amount is 400,000 yuan, and if both parties meet the housing provident fund loan conditions, the maximum loan amount is 600,000 yuan.
The relevant person in charge of Huai' an Housing Provident Fund Center introduced that the implementation of the dynamic adjustment mechanism can enable employees to obtain a higher loan amount by increasing the implementation multiple when the housing provident fund funds are sufficient; When the funds are insufficient, by reducing the execution multiple, the limited funds will be brought into full play and more employees will benefit.
The Notice will be implemented as of May 5, 2022, and housing provident fund loans accepted before May 5 will still be implemented according to the loan policy at the time of acceptance.
On the same day, Huai 'an Housing Provident Fund Center announced that three new policies of housing provident fund benefiting the people were recently introduced. By relaxing the rental policy, implementing the dynamic adjustment mechanism of the maximum amount of housing provident fund loans and reducing the down payment ratio of loans, the mutual insurance function of housing provident fund has been further exerted, which has supported those who just need it to improve their housing conditions and effectively met the reasonable housing needs of depositors.
In terms of lowering the threshold for renting, the depositor has paid the housing provident fund in full for three consecutive months, and if he and his spouse do not own a house in Huai 'an and have no record of buying a house and repaying the housing loan within 12 months, and rent the house, the annual withdrawal amount of the housing provident fund of one party and both parties shall not exceed 9,600 yuan and19,200 yuan respectively, and the housing provident fund can be withdrawn and paid twice every natural year.
In addition, Huai 'an Housing Provident Fund Center said that the new policy also reduced the down payment ratio of housing provident fund loans. If the depositor makes the first loan, the minimum down payment ratio will be reduced from 30% to 20%; If the depositor purchases a second set of self-occupied housing or applies for a housing provident fund loan again, the minimum down payment ratio will be reduced from 50% to 30%.