The "Notice" regulates the down payment ratio of provident fund loans, the eligibility period and retention quota of provident fund loans, and the transfer of sponsors' business.

According to the "Notice", if you purchase the first home in Qu and apply for a provident fund loan, the down payment ratio shall not be less than 20%; If you buy a second house and apply for a provident fund loan, the down payment ratio shall not be less than 30%; If the application for provident fund portfolio loans is inconsistent with the down payment ratio of commercial bank loans and provident fund loans, a higher down payment ratio shall be implemented.

To apply for a provident fund loan, the borrower must continuously pay the housing provident fund in full for 6 months; After clearing the provident fund loan, you can apply for the provident fund loan again from the next month. In addition to the repayment of the provident fund, the borrower's personal account must be kept for 6 months.

Borrowers who have paid housing provident fund in Qu, applied for commercial loans and have a good repayment record. If the housing mortgaged by the original commercial personal loan has completed the property right certificate and meets the conditions of provident fund loans, it can apply for the business of transferring commercial loans to the public, and the balance of commercial loans will be transferred to provident fund loans in whole or in part, and the amount of the transfer will not exceed the current provident fund loan limit. Encourage borrowers who have applied for subsidized provident fund loans to apply for converting the balance of subsidized provident fund loans in the original subsidized provident fund loans into provident fund loans on a voluntary basis.

The loan amount of housing provident fund in Quzhou City has been adjusted to a maximum of 800,000 yuan for families and 500,000 yuan for individuals in February this year. Quzhou implements floating loan quota and personal loan interest rate, and announces the personal loan interest rate of housing provident fund at the end of last month to the public at the beginning of each month. If the personal loan rate of the city's housing provident fund is above 95% (inclusive), 90% -95%, 85% -90% and below 85% for three consecutive months, the corresponding housing provident fund loans can be implemented after approval by the CMC. Individual loan limits are 300,000 yuan, 400,000 yuan, 500,000 yuan and 600,000 yuan.

Previously, Quzhou has cancelled the policy of restricting the purchase and sale of real estate.

On April 1 day, the Office of the Coordination Group for Sustainable and Healthy Development of the Real Estate Market in Quzhou City, Zhejiang Province issued the Notice on Promoting the Healthy Development of the Urban Real Estate Industry.

It is clear in the document that enterprises invested or controlled by non-Quzhou registered households, individual industrial and commercial households and natural persons are regarded as Quzhou registered households to implement relevant housing purchase policies.

This also means that families with non-Quzhou household registration are not restricted by the policy that they need to pay social security or pay taxes for 12 months on August 7, 2002 and can only buy 1 set. Individual industrial and commercial households and enterprises invested or controlled by natural persons can also buy new commercial housing and second-hand housing in urban areas.

In terms of optimizing the regional sales restriction policy, the document pointed out that after the release of the Notice on Promoting the Healthy Development of Urban Real Estate Industry, new commercial housing will be built on newly-sold plots in urban areas, and new commercial housing of 144 square meters and above in the sold plots will not be sold unless there is a special agreement in the land transfer announcement.

According to the official interpretation of Quzhou Housing and Construction Bureau, after the release of the regulation policy on July 20th, 20021,up to now, only the GT-04-02 plot (Feilai Hotel Project) of the high-speed rail new town has been sold within the scope of Smart New Town and Old Town, and the houses below this plot 144 square meters can still be sold after five years of online signing of the commercial housing sales contract. After the issuance of the Notice, the newly sold land within the scope of Smart New Town and Old Town 144 square meters and new commercial housing are not limited to purchase.

In addition, during the period from August 7, 20021year to March 3, 20221day, if new commercial housing of 144 square meters or above is purchased on the sold land, it still needs to be implemented according to the original five-year sales policy, and the sales restriction time is calculated from the date when the online signing of the commercial housing sales contract is filed. However, if the buyer's commercial housing sales contract before April 1 2022 is not signed online for filing, it will not be restricted by the original five-year sales policy.

According to the Notice on Promoting the Healthy Development of Urban Real Estate Industry, the sale of new commercial housing 144 square meters and above in the newly sold land in Quzhou urban area is not limited.