The Notice clarifies that from June 1 2022, the down payment ratio of the second housing provident fund loan will be reduced from the current 50% to 30%, and the total loan amount will not exceed 70% of the total price of the purchased self-occupied housing.
At the same time, adjust the first home housing provident fund loan policy. For families who own/kloc-0 apartments and have settled their housing loans, if they apply for provident fund loans to buy commercial housing again to improve their living conditions and meet the conditions for the use of Ganzhou provident fund loans, individual housing provident fund loans will be implemented for the first time.
The New Deal stipulates that those who buy commercial housing in Ganzhou can withdraw the housing accumulation fund under the name of their parents or children. In addition to the original policy, the housing provident fund is drawn from the paid employees for the purchase of commercial housing by themselves and their spouses, and the insufficient part can be drawn from the balance of the housing provident fund account under the name of their parents or children. If my spouse and I have not paid the housing provident fund, we can withdraw the balance of the housing provident fund account in the name of their parents or children.
The "Notice" also mentioned the resumption of housing provident fund loans and house purchase withdrawal business in different places in the province. Implement mutual recognition and transfer of housing provident fund deposits in different places in the province. Workers paid by other cities in the province to buy houses in Ganzhou can apply for individual housing provident fund loans according to Ganzhou housing provident fund loan policy; Ganzhou paid workers in other cities in the province to buy houses, according to Ganzhou housing provident fund withdrawal policy to apply for the withdrawal of individual housing provident fund account balance.
The "Notice" requires that after a real estate development project obtains a pre-sale permit for commercial housing, the housing provident fund management department shall accept and review the housing provident fund personal housing loan, and issue it in time after the real estate registration department completes the mortgage registration.
According to the Notice, the above-mentioned policy adjustments will be implemented on a trial basis 1 year from June, 2022. During the trial period, in case of adjustment of national and superior policies, the national and superior policies shall prevail. For commercial housing, the filing time of the purchase contract shall prevail; Second-hand housing, subject to the time specified in the deed tax payment certificate; Demolition and resettlement houses shall be subject to the time specified in the purchase contract, the time specified in the deed tax payment certificate and the time specified in the bill, and shall be implemented according to the original policy.