After the policy adjustment, if the loan applicant (including the same applicant) has no record of housing provident fund personal housing loan nationwide, the application for housing provident fund personal housing loan shall be implemented according to the first home loan policy.
For loan applicants (including the same applicant) who have a record of housing provident fund personal housing loan in the National Housing Provident Fund Management Center and have settled, the application for housing provident fund personal housing loan shall be implemented according to the second home loan policy.
The New Deal makes it clear that loan applicants (including the same applicant) who use the housing provident fund twice will not be accepted.
At the same time, the New Deal makes it clear that the minimum down payment ratio is adjusted to 30% for individuals who have used the housing provident fund and have settled their housing loans, and for those who apply for the housing provident fund again to purchase new self-occupied housing loans in Yinchuan area in order to improve their living conditions.
For the purchase of commercial housing (second-hand housing), the minimum down payment ratio shall be adjusted to 40%, and the loan interest rate shall be 1. 1 times of the benchmark interest rate of individual housing loan of housing accumulation fund in the same period.
The maximum loan amount is adjusted to 700,000 yuan if the main loan applicant normally deposits the housing provident fund in Yinchuan Center and the spouse normally deposits the housing provident fund outside Ningxia District.
If the employee loan applicant and both spouses normally deposit the housing provident fund, the maximum loan amount will be adjusted to 700,000 yuan. Other off-site loan application conditions shall be implemented according to the original policy.