On July 19, this newspaper learned from Huai 'an Housing Provident Fund Management Center in Jiangsu Province that Huai 'an recently issued the Announcement on Adjusting the Maximum Loan Amount of Housing Provident Fund because the personal loan ratio of housing provident fund was less than 85% for three consecutive months and the net inflow of funds.

According to the New Deal, if the depositor purchases the first self-occupied house and applies for the housing provident fund loan for the first time, the maximum loan amount is 1.2 times of the benchmark loan amount, that is, the maximum loan amount that unilaterally meets the housing provident fund loan conditions is 480,000 yuan, and the maximum loan amount that both parties meet the housing provident fund loan conditions is 720,000 yuan.

If the depositor purchases a second self-occupied house or applies for housing provident fund loan again, the maximum loan amount is 1. 1 times of the benchmark loan amount, that is, the maximum loan amount that meets the housing provident fund loan conditions unilaterally is 440,000 yuan, and the maximum loan amount that meets the housing provident fund loan conditions by both parties is 660,000 yuan.

In terms of down payment ratio, according to the policy announced by Huai' an Provident Fund Management Center on May 30, the minimum down payment ratio for first-time home purchase and application for housing provident fund loans was reduced from 30% to 20%; If you apply for housing provident fund loans twice or more, the minimum down payment ratio will be reduced from 50% to 20%.

It is worth mentioning that this is the second time that Huai 'an has raised the maximum amount of housing provident fund loans this year.

On April 25 this year, Huai 'an Housing Provident Fund Management Center disclosed that the personal loan rate of housing provident fund in the city has dropped from over 95% to 85% -95%, with a net inflow of funds for three months. If the depositor purchases the first self-occupied house and applies for the housing provident fund loan for the first time, the maximum loan amount shall be implemented according to the benchmark amount 1. 1 times.

If the depositor purchases a second set of self-occupied housing or applies for housing provident fund loans again, the maximum loan amount is based on the benchmark amount, that is, if one party meets the housing provident fund loan conditions, the maximum loan amount is 400,000 yuan, and if both parties meet the housing provident fund loan conditions, the maximum loan amount is 600,000 yuan.