Starting from May 17, 2011, Xiamen will adjust the housing provident fund personal housing loan policy: the down payment ratio for the first house of more than 90 square meters shall not be less than 30; for the purchase of a second house, the down payment of provident fund loan The ratio must not be less than 50; the third home cannot enjoy provident fund loans. Second suites will be heavily restricted.
The new policy will be implemented from now on
The reporter learned yesterday that after deliberation and approval by the Municipal Housing Provident Fund Management Committee, Xiamen has further standardized the housing provident fund personal housing loan policy, and from May 2011 It will be officially implemented on July 17th.
The Municipal Housing Provident Fund Management Center stated that this move is aimed at implementing the "Relevant Issues on Regulating Housing Provident Fund Personal Housing Loan Policies" forwarded by the Fujian Provincial Department of Housing and Urban-Rural Development and other four ministries. "Notice" spirit.
The down payment for a second home should not be less than RMB 50.
According to the new regulations, housing provident fund personal housing loans can only be used to pay for employees to purchase self-occupied housing to support basic housing needs. It is strictly prohibited to use housing provident fund personal housing loans for speculative house purchases.
Families of deposit-paying employees (including borrowers, spouses and minor children, the same below) use housing provident Xiamen gold personal housing loans to purchase their first self-occupied house, with a building area of ??90 square meters ( Including) or less, the loan down payment ratio shall not be less than 20%; if the building area is more than 90 square meters, the loan down payment ratio shall not be less than 30%.
If you are buying a second home, the down payment ratio of a housing provident fund personal housing loan must not be less than 50%, and the loan interest rate is 1.1 times the interest rate of the first housing provident fund personal housing loan in the same period.
Stop Provident Fund Loans for Third Homes
If you purchase a third home or more, Xiamen will stop issuing housing provident fund personal housing loans to families of employees who pay deposits.
Implement the second-home policy in three situations
How to determine the number of homes purchased by employees? The Municipal Housing Provident Fund Management Center pointed out that if the following three situations exist, the second (and above) housing provident fund differentiated credit policy will be implemented for the borrower.
First, the borrower applies to use a housing provident fund loan to purchase a house, and it is confirmed that one (or more) complete sets of housing have been registered in the results of the Xiamen Residential Family Housing Situation Query issued by the Xiamen Land and Real Estate Surveying and Mapping Archives Management Center. ;
The second is that the borrower has used a housing provident fund personal housing loan to purchase one (or more) houses, and then applied for a housing provident fund loan to purchase a house;
(The above answer is published As of 2013-10-28, the current relevant home purchase policies shall be subject to actual conditions)
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