Recently, Fuzhou adjusted the housing provident fund policy, and the conditions for the second application for housing provident fund loans will be relaxed. The loan policy has been adjusted since February this year. According to the incomplete statistics of the Securities Daily reporter, the housing provident fund loan policies in several cities were obviously relaxed during the year, and the mortgage lending cycle was also shortened.
Fine-tune the provident fund loan policy in many places
Starting from February 1 2022, the down payment ratio of employees' families who purchase houses in the administrative area of Fuzhou will be adjusted to 40% if they apply for pure housing provident fund loans for the second time. Apply for a portfolio loan to buy a house, referring to the relevant provisions of the down payment ratio of commercial banks.
Housing provident fund loan applicants and their spouses have used housing provident fund loans, and they can apply for pure housing provident fund loans for the second time after purchasing self-occupied housing in the administrative area of Fuzhou; Fuzhou household workers who have paid housing provident fund outside Fuzhou can apply for housing provident fund loans if they buy their own houses within the administrative area of Fuzhou. It takes 12 months for employees in Fuzhou to apply for entrusted loan repayment after paying off the principal and interest of the first home purchase loan. After adjustment, they can apply for repayment in the same month.
In addition to Fuzhou, this year, the multi-site provident fund loan policy has also been relaxed to varying degrees, especially in third-and fourth-tier cities. For example, cities such as Zigong, Beihai, Yulin and Maanshan have issued or formally adjusted housing provident fund policies. The main ways of adjustment are: increasing the loan amount of housing provident fund, only recognizing loans but not housing, reducing the down payment ratio of second homes, raising the lower limit of deposit base, allowing talents to pay down payment with housing provident fund, relaxing the conditions for the withdrawal and use of housing provident fund, and expanding the scope of use of housing provident fund.
Yu Baicheng, president of the Zero One Research Institute, told the Securities Daily reporter that the loose adjustment of the multi-site provident fund policy is a positive response to the real estate control policy proposed by the Central Economic Work Conference. The Central Economic Work Conference held in February last year (65438+) not only continued to emphasize the orientation of housing, but also proposed for the first time to strengthen the expected guidance, explore new development models, and support the commercial housing market to better meet the reasonable housing needs of buyers, so as to promote the virtuous circle and healthy development of the real estate industry.
"By relaxing the housing provident fund policy, it can not only meet the needs of buyers for self-occupation and improved and reasonable housing, but also play a supporting role in attracting talents and supporting flexible employees, and is also conducive to the healthy development of the real estate industry." Yu Baicheng said.
Bank lending accelerated.
In addition to the "loosening" of provident fund loans, since 2022, the bank's housing loans have been significantly loosened, and the speed of issuing housing loans has been significantly accelerated compared with the second half of 2002/KLOC-0. Take Beijing as an example. At present, the mortgage lending cycle of most banks in Beijing has been shortened to less than 1 month.
Recently, the Securities Daily reporter consulted a number of outlets of 10 banks in Beijing, including Agricultural Bank, China Bank, China Construction Bank, Postal Savings Bank, China Merchants Bank, Minsheng Bank, Ping An Bank, Shanghai Pudong Development Bank, Nanjing Bank and Jiangsu Bank. The staff of the above-mentioned bank outlets told reporters that compared with the end of 20021,the current loan approval and lending speed have been accelerated.
The staff of a state-owned bank branch told the reporter that if the information is complete now, it only takes 2 to 3 days to apply for a mortgage, and the loan can be released as soon as one week after the house is transferred and the mortgage is completed.
Compared with state-owned banks and joint-stock banks, small and medium-sized banks lend money faster, and they can lend money as soon as two or three days after the house is transferred.
According to the data recently released by RealData, the average lending cycle of banks in 103 key cities has returned to a reasonable level in the middle of last year. Among them, the lending cycle of 64 cities was shorter than that of last month. Bank lending in four first-tier cities accelerated, with Guangzhou shortening by more than 40 days compared with last month and Beijing shortening by 12 to 70 days on average. The average lending period in second-tier cities such as Hefei, Wuhan, Hangzhou, Nanjing, Xiamen and Chengdu has been shortened by more than 20 days.
(Original title: "Multi-site housing provident fund loans are loosened, and the progress of bank approval and lending is accelerated")