The latest support policy of Shenyang housing provident fund loan
Support Policy of Housing Provident Fund Loan for High-level Talents in Shenyang
If high-level talents and other qualified talents use housing provident fund loans for the first time to buy the first self-occupied housing in Shenyang, the loan limit can be relaxed to twice the maximum loan limit for the current period. Among them, the loan limit multiples of high-level talents A, B, C and D are 4 times, 3 times, 2 times and 3 times respectively.
Cancel the time limit of quasi-loan after withdrawing provident fund in the application conditions of provident fund loan.
"The borrower and * * * have no record of withdrawing the provident fund in cash within 12 months (excluding entrusted loan repayment)" in the loan application conditions is adjusted to "After the borrower and * * * withdraw the provident fund in cash, they can apply for housing provident fund loans of different properties".
Extend the repayment period of employee loans
The policy of extending the repayment period of employee loans has been changed from "the age limit for employees who have paid provident fund for more than three years (including three years) and applied for provident fund loans for the first time is relaxed to 65 years for men and 60 years for women" to "for those who apply for provident fund loans to buy the first self-occupied housing, the repayment age limit is relaxed to 65 years for men and 60 years for women".
Extend the longest loan period of second-hand houses.
The second-hand housing provident fund loan term policy is changed from "purchase of property rights transfer housing, and housing with a housing completion period of more than 25 years (excluding 25 years) will no longer accept housing provident fund loans. The term of the housing provident fund loan is 25 years, MINUS the age of the house. The longest loan period for second-hand houses is 20 years, and it is adjusted to "purchase property transfer housing". Housing with a completion period of more than 35 years (excluding 35 years) will no longer accept housing provident fund loans. The second-hand housing provident fund loan period is 35 years to reduce the housing age, and the longest loan period for second-hand housing is 30 years. "
Adjust the minimum down payment ratio of housing provident fund loans
Use the housing provident fund loan to purchase the first and second sets of self-occupied housing. The minimum down payment ratio of the first set of commercial housing is not less than 30%, and the second set of commercial housing is not less than 50%. Employees who have paid the provident fund apply for housing provident fund loans to buy the first second-hand house. If the service life of the house is less than 10 year (inclusive), the minimum down payment ratio of the loan is 30%; The completed service life of the house is more than 10 year, and the minimum down payment ratio of the loan is 40%. If the second second-hand house is purchased, and the completed service life of the house is below 10 year (inclusive), the minimum down payment ratio of the loan is 50%; The completed service life of the house is over 10 year, and the minimum down payment ratio of the loan is 60%. Adjusted to "If employees' families use housing provident fund loans to purchase the first set of commercial housing or second-hand housing, the minimum down payment ratio is 20%; If the paid employee family uses the housing provident fund loan to purchase a second set of commercial housing or second-hand housing, the minimum down payment ratio is 40%. "
Adjust the maximum amount of housing provident fund loans
The maximum loan amount of housing provident fund will be paid by employees unilaterally, and the maximum loan amount of housing provident fund is 400 thousand yuan; If both husband and wife pay housing provident fund, the maximum amount of provident fund loan is 600,000 yuan; Family members with more than 3 people * * * apply for the maximum amount of provident fund loans of 800,000 yuan "and adjust it to" employees who unilaterally pay housing provident fund, the maximum amount of provident fund loans is 500,000 yuan; If both husband and wife pay housing provident fund, the maximum amount of provident fund loan is 700,000 yuan; The maximum amount of provident fund loans for more than 3 family members is 900,000 yuan. "
Support Policy of Housing Provident Fund Loan for College Graduates
Full-time undergraduate, master and doctoral graduates who have paid housing provident fund in Shenyang Housing Provident Fund Management Center (including railway sub-center) and Liaoning Housing Provident Fund Management Center can use housing provident fund loans to buy self-occupied housing, and the maximum loan limit can be relaxed to twice the current maximum loan limit.
Housing provident fund loan support policy for two-child or three-child families
If you have given birth to two or three children, and the children are under 18 years old, you can pay the housing provident fund to the employees' families (including local and foreign employees' families, and a couple has given birth to two or three children), and the loan limit can be relaxed to twice the maximum loan amount in the current period.