Support working families to improve housing demand.

On June 17, it was learned from the Municipal Housing Provident Fund Management Center that the Municipal Housing Provident Fund Management Committee recently adjusted some housing provident fund use policies, formulated housing provident fund policies to support the birth of two and three children, and increased the support for housing provident fund loans. At the same time, by reducing the down payment ratio of the second suite, increasing the amount of rent payment, optimizing the withdrawal of housing provident fund and other measures, we will support the improved housing needs of paid workers' families and promote the stable and healthy development of the real estate market in this city.

Increase support for family loans for two or three children.

In order to give full play to the policy-oriented housing financial guarantee function of housing provident fund, support the housing needs of workers' families with two or three children, and ease the pressure on workers to buy houses, the New Deal stipulates that families with two or three children who meet the national fertility policy and apply for housing provident fund loans, the maximum loan limit for dual-worker families will be raised from 600,000 yuan to 800,000 yuan, and the maximum loan limit for single-worker families will be raised from 350,000 yuan to 450,000 yuan, and other loan conditions will remain unchanged.

The identification of two-child or three-child families is mainly based on the household registration book, which is not provided by the same household? Birth medical certificate? Prove

Reduce the down payment ratio of the second suite.

In order to support employees' families to buy improved housing, combined with the actual situation in our city, the New Deal stipulates that employees' families apply for housing provident fund loans or buy a second house for the second time, and the down payment ratio is reduced from 50% to 30%.

? The New Deal lowered the down payment requirement for the second suite. ? According to the staff of the Municipal Housing Provident Fund Management Center, the down payment ratio of employees who have no housing and have never used provident fund loans, who have no housing but have used provident fund loans and own a house is not less than 30%. Two or more houses or provident fund loans that have been used twice or more cannot apply for provident fund loans.

Increase the withdrawal amount for paying rent.

In order to support depositors to withdraw on demand and better meet the actual needs of depositors to pay the rent, the New Deal stipulates that employees should pay the housing provident fund in full for three consecutive months. If my spouse and I don't own a house and rent a commercial house in the deposit city, the monthly withdrawal limit for each employee will be raised from 600 yuan to 800 yuan, and the withdrawal amount will be raised from no more than 7,200 yuan to no more than 9,600 yuan each time.

Optimize the housing provident fund purchase withdrawal

In order to further reduce the pressure of down payment and optimize the purchase of new commercial housing, employees withdraw housing provident fund to pay down payment. Will the New Deal increase the purchase of new commercial housing and withdraw housing provident fund? Prepaid system? , the extracted housing provident fund can be transferred to the pre-sale fund supervision account of real estate development enterprises.

? Buy new commercial housing and withdraw housing provident fund? Prepaid system? Under the mode, employees who buy a house don't have to pass? Cross the bridge? To raise the down payment by means of advance payment or loan, you can directly apply for withdrawal of housing provident fund and transfer it to the supervision account of pre-sale funds of development enterprises to supplement the down payment of house purchase. ? According to the staff of the Municipal Housing Provident Fund Management Center, the two modes of house purchase extraction are parallel at the same time, and the house purchase workers can choose a new extraction mode according to their own reality. Prepaid system? Or the original? Reimbursement system mode of applying for house purchase withdrawal. (Jidong Daily reporter Chen Wei)