New Policy of Bozhou Provident Fund Loan in 2023
1. Workers' families who have paid the provident fund can apply for withdrawing the housing provident fund to pay the down payment when purchasing new commercial housing.
2. If a single person or one of the husband and wife normally pays the provident fund, the maximum loan amount will be increased from 330,000 yuan to 450,000 yuan for the purchase of commercial housing; If both husband and wife pay the provident fund normally, the maximum loan amount will be increased from 430,000 yuan to 550,000 yuan when purchasing commercial housing.
3. For the purchase of commercial housing, the minimum down payment ratio of the first-home provident fund loan is 20%, and the minimum down payment ratio of the second-home provident fund loan is reduced from 50% to 30%. Apply for provident fund loans to buy second-hand houses, and the minimum down payment ratio is adjusted to 40%.
4. From June 65438+1 October 1 day in 2022 to February 3 1 day in 2023, taxpayers who sell their own houses and buy houses again in the downtown area within1year after selling their existing houses may apply for a refund of the personal income tax they have paid for selling their existing houses according to regulations.
5 the implementation of housing provident fund loans "with the mortgage". In order to effectively reduce the capital and time cost of second-hand housing transactions, the housing provident fund can be paid to the property seized by employees during the transaction process, without prepayment, and the loan can be "re-mortgaged" after going through the formalities of real estate right transfer and mortgage change.
At present, many regions have adjusted their housing provident fund policies, and in the short term, each region will continue to adopt corresponding policies according to the actual situation of its own provident fund use. You can continue to pay attention to the local housing provident fund policy, that's all. I hope it helps you.