17, the reporter learned from the municipal housing provident fund management center that at present, the housing provident fund in Zibo is still implemented according to the original policy, and "houses are recognized but loans are not recognized". Many citizens expect Zibo to introduce relevant policies as soon as possible.
"At present, we have not received the relevant notice to adjust the criteria for determining the first suite of housing provident fund loans, or according to the previous policy." 17, the staff of the municipal housing provident fund management center told the reporter that the housing provident fund in Zibo is still "admitting housing but refusing loans". The identification of the first suite depends on whether there is real estate under its name. If there is a second suite, it is regarded as a second suite, but the first set of provident fund loans has not been paid off, the second set of housing can no longer use provident fund loans, and the third set of housing can not be loaned.
According to the staff of the Municipal Housing Provident Fund Management Center, if citizens buy the first suite under the names of both husband and wife, including their children, and the housing area is less than 90 square meters, the down payment for the first suite is not less than 20%. With the housing provident fund loan, the first suite can borrow up to 80% of the remaining house price; If the area is more than 90 square meters, the down payment for the first suite shall not be less than 30%, and the first suite can use the housing provident fund loan to borrow 70% of the remaining house price. For the second suite, it depends on the area of the first suite. If the first suite exceeds the per capita housing area of 40.37 square meters in Zibo, the second suite cannot be loaned. If the area of the first suite does not exceed 40.37 square meters, the down payment for the second suite is 50%, and the maximum loanable remaining house price is 50%.
In terms of interest rate, if it is the first suite, the interest rate is 3.5% for loans for less than 5 years, 4.0% for loans for more than 5 years, and the interest rates for the second suite are 10%, 3.8% and 4.4% respectively. The maximum loan amount is 400,000 yuan, and the loan period does not exceed 30 years. The loan term plus the applicant's age shall not exceed five years after the applicant's statutory retirement age. Those who have reached the statutory retirement age may not apply for loans.