Four ministries and commissions, including the Ministry of Housing and Urban-Rural Development, issued the Notice on Issues Concerning Standardizing the Housing Provident Fund Personal Housing Loan Policy, explicitly demanding to increase the down payment ratio and loan interest rate for purchasing the second house with provident fund loans, and at the same time stop the provident fund loans for the third house. Yesterday, Chengdu Housing Provident Fund Management Center announced that the new provident fund loan policy will be implemented tomorrow.

The minimum down payment for the second suite is 50%, and the monthly interest rate is increased.

According to the notice issued by Chengdu Provident Fund Center, the loan policy of Chengdu housing provident fund will be adjusted from tomorrow. Among them, for citizens to use provident fund loans to buy a second house, the down payment ratio is required to be not less than 50%, and the loan interest rate is 1. 1 times of the personal housing loan interest rate of the first housing provident fund in the same period.

The "Notice" did not adjust the use of provident fund loans to purchase the first suite.

According to this latest policy, citizens who use provident fund loans to buy a second home will receive an increase in monthly interest. Take a house with a total provident fund loan of 400,000 yuan and a loan period of 20 years as an example. If you buy the first suite, the interest rate is 4.05%, the monthly repayment amount is 2434.47 yuan, and the total interest for 20 years is 184273.5 yuan. If you buy a second suite, the interest rate should be 1. 1 times that of the first suite, that is, 4.455%, the monthly repayment amount is 2520.89 yuan, and the total interest for 20 years is 2050 13.98 yuan. The monthly repayment amount will increase by about 86 yuan (community network forum), and the interest required for all loans is 20,740 yuan.

It is not feasible to buy three suites with provident fund loans.

At the same time, starting from tomorrow, Chengdu will stop issuing housing provident fund personal housing loans to paid workers' families who use provident fund loans to buy third and above houses. "In this way, real estate speculators need to assess their own risks." Mr. Liu, a citizen who has long been concerned about the Chengdu property market (Weibo, Forum floor plan), said that this will have a good effect on cracking down on real estate speculation and stabilizing housing prices.

(The above answers were published on 2013-11-14. At present, please refer to the actual situation for the relevant purchase policy. )

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