Shijiazhuang: expanding the repayment scope of housing provident fund loans
(1) Implementation date of the policy: June 2022 1 day.
(2) The applicant:
1. Parents of Shijiazhuang housing provident fund loan borrowers can apply to participate in the repayment as the * * * repayment party;
2. If the employee's spouse is the property owner (the property is owned by the same owner), the spouse's parents can also apply to participate in the repayment as the same borrower.
Note: * * * The maximum number of borrowers is 2.
Baoding: the down payment ratio of house purchase is reduced.
Recently, Baoding Housing Provident Fund Management Committee recently issued the Notice on Adjusting Policies Related to Housing Provident Fund Loans. This notice is applicable to the whole city and will be implemented as of August 1 day, 2022.
The first is to reduce the down payment ratio of housing provident fund loans.
If you purchase the first home and apply for a housing provident fund loan, the down payment ratio will be adjusted from not less than 30% to not less than 20%; If you buy a second house and apply for a housing provident fund loan, the down payment ratio of the house purchase will be adjusted from not less than 60% to not less than 30%.
Two, the implementation of differentiated housing provident fund loans minimum and maximum amount.
The following adjustments are made on the basis of the maximum loan amount of 600,000 yuan stipulated in the original policy:
1. For families who have paid the provident fund unilaterally, the minimum loan amount for applying for housing provident fund loans is 300,000 yuan; The minimum amount of family loan for both husband and wife to deposit provident fund is 400,000 yuan.
2. Families who have paid the provident fund unilaterally apply for housing provident fund loans with a maximum loan amount of 600,000 yuan; Families where both husband and wife have paid provident fund can apply for housing provident fund loans with a maximum loan amount of 900,000 yuan.
3. The paid employees who have obtained the "Zhao Yan Cai Ying Certificate" for talent introduction in Baoding purchase the first set of housing and have three or more children, and the maximum loan amount for applying for provident fund loans is 6,543,800 yuan, which is not limited by the deposit balance and the deposit time coefficient.
4. Employees who have given birth to two children apply for housing provident fund loans, and the maximum amount of provident fund loans that are unilaterally paid into the provident fund is 800,000 yuan; Both husband and wife paid a total of 6,543,800 yuan into the common reserve fund.
Third, increase the multiple of account balance and deposit time coefficient to determine the loanable amount of paid employees.
Under the condition of normal repayment ability, the loanable amount of the loan applicant (including the same applicant) is determined by the account balance multiplied by 10 multiplied by the deposit time coefficient, which is as follows:
Four, for the borrower and his spouse's housing provident fund loans, the housing provident fund deposited in the area should be used to repay the housing provident fund loan principal and interest (directly used for hedging business when accepting loans).
Verb (abbreviation of verb) Other relevant policies in the original loan management measures remain unchanged.
Tangshan: "One person buys a house and the whole family helps"
On July 5, 2022, Tangshan issued the latest notice. In order to implement the decision-making arrangements of Tangshan Municipal Party Committee and Municipal Government, effectively solve the housing needs of employees, effectively alleviate the pressure on employees to buy houses, and give play to the supporting role of housing provident fund, Tangshan Housing Provident Fund Management Center launched the policy of "one person buying a house to help the whole family", which was implemented on July 15, 2022.
Parents or children use housing provident fund loans to buy houses in the administrative area of Tangshan City. In the case of insufficient repayment ability, the children or parents of employees who have paid the provident fund can participate in the calculation of repayment ability as * * * co-payers, so as to meet the needs of employees for the loan amount to the greatest extent.
Cangzhou: The down payment ratio is reduced and the loan amount is increased.
A few days ago, Cangzhou City issued the Notice on Adjusting the Housing Provident Fund Policy to adjust the Cangzhou Provident Fund policy. After this adjustment, the provident fund will be distributed to employees to buy houses and use provident fund loans. The minimum down payment ratio was reduced from 30% to 20%, and the maximum loan amount was increased from 600,000 yuan to 800,000 yuan. Unmarried children buy the first set of housing, and parents can withdraw the housing provident fund to support them.
Qinhuangdao: The loan amount has increased.
Qinhuangdao Housing Provident Fund Management Center recently released the detailed rules for the implementation of the municipal government's "Several Policies and Measures on Stabilizing the Economic Operation of Our City". According to the requirements of Qinhuangdao municipal government documents, the implementation time of the following policies and measures is tentatively set as 65438+February 3, 20221.
After this policy adjustment, the upper limit of single-payment employee loans was adjusted from 400,000 yuan to 600,000 yuan, and the upper limit of double-payment employee family loans was adjusted from 600,000 yuan to 800,000 yuan.
If the depositor in Qinhuangdao City purchases the newly-built self-occupied housing in this city in full, the parents of both husband and wife can apply for withdrawing the housing accumulation fund to support their children to buy a house (only once).