City Housing Provident Fund Management Center:
Request for instructions on adjusting the policy of using housing provident fund in our city (Zhang Fangguan [2017] No.9). In order to implement the spirit that the central house is for living, not for speculation, and further standardize the management of housing provident fund in our city, the standards are as follows:
1. For employees' families who apply to use the housing provident fund to buy new goods to live in, the down payment ratio of the second suite is more than 40% (more than 20% in Hua 'an County and Changshan Development Zone). If an employee's family applies to use the housing provident fund to purchase and build a second house, the loan interest rate is 1 times the benchmark interest rate. Workers' families who stop buying and build a third or more self-operated housing use the housing provident fund. Pay employees' families to apply for rooms.
2. Workers' families apply for housing provident fund loans for the second time to purchase new commercial housing, and the down payment ratio is over 40% (over 20% in Huaan County and Changshan Development Zone). When employees' families apply for housing provident fund for the second time to build their own houses, the loan interest rate is 1 times of the benchmark interest rate. For the third time (above), workers' families who stopped buying self-operated housing used the housing provident fund.
3. If the employee applies for housing provident fund withdrawal, and fails to purchase commercial housing in this city or repay the interest on non-local housing loans, the applicant and his wife can at least withdraw one of them from the household registration where the housing is located.
This notice shall be implemented as of April 8, 20 17. The purchase of newly-built commercial houses shall be subject to the online signing time of commodity sales contracts, the purchase of inventory commercial houses (second-hand houses) shall be subject to the business acceptance time of real estate registration agencies, and the self-operated houses shall be subject to the issuance time of construction project planning permits.
Zhangzhou Housing Fund Management Committee
April 7, 1965 438+07