Hello, according to the latest policy of Tianjin Housing Provident Fund Management Center, the interest rate of housing provident fund loans in 2022 is 4.35%, which is lower than 4.75% in 2020. In addition, Tianjin Housing Provident Fund Management Center also proposed that the minimum amount of housing provident fund loans in 2022 is 200,000 yuan, the maximum amount is 2 million yuan, and the longest loan period is 30 years. The loan interest rate fluctuates according to the market interest rate, with the maximum not exceeding 7.5%. In addition, in 2022, housing provident fund loans will also support the purchase of commercial housing, self-built houses, and renovated houses. Lenders can choose the appropriate loan scheme according to their actual situation.

Tianjin's latest housing purchase policy 2023

I. Housing purchase policy in Tianjin in 2022

At present, Tianjin is still a city with restricted purchases and loans. According to Tianjin's real estate and national housing loan records, foreign registered families can only buy one set at most, and local registered families can only buy two sets of real estate. Minors in divorced areas of this Municipality shall be counted as families. 30% down payment for the first set and 60% down payment for the second set. Binhai West Zone is not limited to purchase and loan.

1, commercial loans and provident fund loans:

The LPR interest rate of the first home commercial loan was 4.45%, down by 20 basis points, and the interest rate was 4.25%, down by 70 basis points compared with the previous loan interest rate of 4.95%. For example, if the loan is 1 10,000, 370 yuan will be paid less every month, and the total interest for 25 years will be 1 1 10,000. The LPR interest rate of the second set of commercial loans is 4.45%, up 60 basis points, and the interest rate is 5.05; The LPR interest rate is adjusted once a month on the 20th, subject to the monthly interest rate adjustment.

The interest rate of provident fund loans is 3.25%, with the first set of maximum loans of 800,000 yuan and the second set of maximum loans of 400,000 yuan. There are two calculation formulas: the first set of provident fund balance multiplied by 20 times, and the second set of maximum loan reserve balance multiplied by 10 times. The second type: [(total monthly salary of the borrower, monthly contribution of the borrower's housing provident fund) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan or merger ]× loan period (month). The loan calculated by the two is the lowest value.

2. According to the policies of each district (Wuqing, Jinghai, Jixian and Binhai New Area), sell one and buy one.

Buying a house in these four districts requires a Beijing-Tianjin-Hebei work certificate or a coastal residence permit, which is equivalent to lifting the purchase restriction in disguise. Jinghai and Jiyuan counties are mostly regional customers, far from the urban areas. After the policy change, it's not too embarrassing. Wuqing mainly focuses on customers from Beipiao. After three years of college entrance examination and epidemic, the market is somewhat bleak. After the introduction of the policy, 90 sets of projects were sold in two days.

Sell one and buy one: there are many properties in hand. As long as the loan is controlled below two sets, Tianjin can buy another set after housing replacement, which is beneficial to the improved customer base.

3. Haihe talents settled down and the points settled down.

Recently, many policies about buying houses have been issued all over the country, and Tianjin is no exception. Buying a house in Tianjin is very simple and the restrictions are not that great. Mainly hukou, most people who come to Tianjin to buy a house not only have a house to live in, but also take care of their children to go to school. After all, without hukou, they can't take the senior high school entrance examination and college entrance examination in Tianjin, so it is very important to settle down. At present, there are two common ways to settle down: Haihe Cai Ying and Integral Settlement.

Haihe Cai Ying: Technical secondary schools, junior colleges, undergraduate courses and above can all settle in Tianjin. Among them, technical secondary schools and junior colleges need Tianjin social security, with limited skill certificates and limited age, and the skill certificates are consistent with the scope of work. It doesn't matter whether you have a job or not, but foreign social security checks are very strict, and almost all foreign social security or the establishment of state-owned enterprises and institutions will be rejected. Tianjin wants to keep talents, not just children.

Settlement of points: Compared with before, the settlement of points is much looser now. Education, social security, provident fund, renting a house, residence permit, age and skill certificate can all be points. , which can be settled from the previous 140 to 1 10. The Beijing-Tianjin-Hebei residence permit is universal, the application conditions are reduced, and there is no restriction on household entry indicators. 140, you can apply. The actual score 150 may not drop. This year, the first phase of the settlement of points has been completed, and the number of applicants for approval is 10000, with the highest score of over 830 and the lowest score of 1 10. The settlement of points is the best way for people without academic qualifications to work and settle in Tianjin. Disadvantages: Long time period.

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Tianjin housing provident fund loan new policy, how to borrow?

1. Employees who have paid the housing provident fund in full for three consecutive months and rented affordable rental housing in Tianjin can apply for withdrawal of the housing provident fund, and the monthly withdrawal amount shall not exceed the rent paid in that month, and the total amount shall not exceed 2,400 yuan.

2. If Tianjin employees apply for individual housing provident fund loans to purchase the first family home, the maximum loan amount is 800,000 yuan. If the fund utilization rate of Tianjin housing provident fund exceeds 90% for three consecutive months, the Tianjin Housing Provident Fund Management Center will report to the office of the Municipal Housing Provident Fund Management Committee and make an announcement to the public, and the maximum amount of the first set of housing loans will be reduced to 600,000 yuan from the next month 1 day; If the utilization rate of housing provident fund funds is less than 85% for three consecutive months, Tianjin Housing Provident Fund Management Center will report to the office of the Municipal Housing Provident Fund Management Committee and make an announcement to the public, and increase the maximum amount of the first set of housing loans to 800,000 yuan from the next month 1 day. The "utilization rate of housing provident fund funds" in this notice refers to the utilization rate of housing provident fund funds at the end of the month.

3. If an employee buys the first set of housing and affordable housing in Tianjin, in addition to the employee himself and his spouse, the parents of the employee and his spouse can also apply for withdrawal of housing provident fund.

Matters needing attention

1, couple loan

If both husband and wife borrow money to buy a house, whether they apply for provident fund loans before or after marriage, as long as one of them has applied for provident fund loans, the central system will have corresponding records. Before the previous loan is paid off, both husband and wife can no longer use the provident fund loan to buy a second house.

2. Second Suite

If the borrower has already used the provident fund loan when purchasing the first suite, he can't apply for the provident fund loan to buy the second house again before the provident fund loan is paid off. Only after paying off the previous housing loan can you use the provident fund loan again, and you can't use the provident fund loan to buy the third and above houses.

3. Amount of provident fund

Don't use the provident fund before applying for a loan. If the borrower withdraws the balance of the provident fund to pay the house payment before the loan, then the balance of the provident fund in the provident fund account is zero, and the amount of the provident fund loan is zero, which means that he will not apply for a provident fund loan.

4. Advance payment

According to the relevant provisions of provident fund loans, the repayment amount should be in advance after 1 year repayment, and the repayment amount should exceed the repayment amount of 6 months. Therefore, if the loan you apply for is less than one year, don't apply for prepayment, because if you apply, the bank will charge more liquidated damages.

5. Difficulties in repayment

Don't forget to find the bank around you if you have difficulty repaying the loan. When the ability to pay debts declines and it is difficult to repay loans, don't hold on by yourself. You can apply to the bank for an extension of the loan period. After investigation by the bank, the bank will accept your application for extending the loan period. However, according to the regulations, the loan term can only be changed once.

6. Lost contracts

Don't lose the loan contract and IOUs. To apply for a mortgage loan, the loan contract signed between the bank and you and the receipt are all important legal documents. As the loan period can be up to 30 years, as a borrower, you should keep the contract and the receipt properly, and read the terms of the contract carefully to understand your rights and obligations. In the process of using personal housing provident fund loans to buy a house, we must pay attention to the above matters to avoid unnecessary troubles caused by negligence and other reasons.

Adjustment of Tianjin provident fund loan policy

Tianjin provident fund loan policy:

1, open a housing provident fund account for more than 1 year, and continuously deposit the housing provident fund 1 year every month before applying for a housing provident fund (portfolio) loan, and the employee's unit has not defaulted. If the employee (spouse) is in arrears for less than 3 months (inclusive) due to the change of work unit, or the payment base of the unit housing provident fund is adjusted incorrectly, it will be in arrears 1 month.

2, employees have used the spouse housing provident fund to apply for housing provident fund (portfolio) loans, before the loan is paid off, their spouses can not apply for housing provident fund (portfolio) loans;

3. Provident fund loans need to be in good credit status.

Loan process

1. First-hand housing loan process:

(1) The borrower goes to the housing provident fund management center to collect and fill in the application form;

(2) The fund center will review the loan qualification (5 working days);

(3) Undertaking bank review of loan guarantee (20 working days);

(4) The undertaking bank signs a loan contract and a mortgage contract with the borrower and the sales unit respectively;

(5) The borrower handles mortgage registration and real estate insurance;

(6) Undertaking bank loans;

(7) Repayment by the buyer;

(8) Clearing households.

2. Second-hand housing loan process:

(1) The borrower goes to the housing provident fund management center to collect and fill in the application form;

(2) The borrower submits the loan information to the municipal capital center;

(3) the municipal capital center accepts the examination and approval;

(4) transaction transfer;

(5) Signing contracts;

(6) mortgage;

(7) granting loans;

(8) Monthly repayment;

(9) loan settlement;

(10) Cancel the mortgage.

Legal basis:

"Tianjin individual housing provident fund loan management measures" seventh

Employees' families (including employees, spouses and minor children, the same below) purchase their own houses, and employees can apply for individual housing provident fund (portfolio) loans (hereinafter referred to as "housing provident fund loans"). At the same time, if the spouse's housing provident fund is used to apply for housing provident fund loans, the spouse shall also meet the loan conditions stipulated in these Measures.

Article 10

Workers have used their spouses' housing provident fund to apply for housing provident fund loans, and spouses cannot apply for housing provident fund loans before the loans are paid off.

Article 12

Workers who have not paid the housing provident fund within 3 months (inclusive) due to changes in their work units, or have not paid the housing provident fund due to the wrong adjustment of the deposit base of the unit housing provident fund, and the housing provident fund that has not been paid at the time of applying for a loan has been replenished and resumed monthly deposit, can be regarded as continuous deposit.