On April 22nd, this newspaper learned from Suzhou 12329 provident fund hotline in Jiangsu Province that the housing provident fund policy in Suzhou has been adjusted (except for industrial parks). Since April 2 1 day, the upper limit of personal loans has been raised from 450,000 yuan to 600,000 yuan, and that of families from 700,000 yuan to 900,000 yuan.
According to the staff of Suzhou 12329 provident fund hotline, it was learned yesterday that if the employee provident fund is paid in Suzhou, the amount of provident fund loan for buying a house in Suzhou will go up. At present, the first provident fund loan is based on employees' families, and the maximum one-person loan cannot exceed 10 times of its balance, with an upper limit of 600,000 yuan; If the balance of the dual-employee loan cannot exceed 10 times, it will be capped at 900,000 yuan, which will be comprehensively calculated by the lobby. The policy of applying for provident fund loan for the second time remains unchanged, and the loan amount is calculated according to 6 times of the account balance, with a maximum of 300,000 yuan for individuals and 500,000 yuan for families.
According to the policy previously implemented by Suzhou Housing Provident Fund Management Center, the provident fund loan was handled for the first time. If two or more loan applicants and * * * loan applicants (inclusive) participate in the calculation of the loanable amount, the maximum loan amount is 700,000 yuan; If only the loan applicant participates in the calculation of the loanable amount, the maximum loan amount is 450,000 yuan.
Secondary provident fund loans, where two or more loan applicants and * * * loan applicants participate in the calculation of the loanable amount, the maximum loan amount is 500,000 yuan; If only the loan applicant participates in the calculation of the loanable amount, the maximum loan amount is 300,000 yuan.
Prior to this, the paper learned from Suzhou Real Estate Market and Transaction Management Center in Jiangsu Province that since April 1 1, the restrictions on the sale of second-hand houses in Suzhou have been relaxed, and the transfer period of new houses has remained unchanged, and it is not allowed to be transferred within three years from the date of obtaining the real estate license. At the same time, the purchase restriction policy in Suzhou has been adjusted. When families of non-registered residents apply to buy houses in Suzhou, Kunshan and Taicang 1, the social security period is required to be adjusted from three years of continuous social security payment to two years of accumulated social security payment.
How much can Jiangsu province provident fund loan borrow?
According to the provident fund loan policy of Jiangsu Province, the maximum loan for first-time house purchase is 500,000 yuan, and the maximum loan for families is 6,543,800 yuan+0,000 yuan. Buy two suites, individuals can borrow up to 300 thousand, and families can borrow up to 600 thousand; Those who purchase real estate for the third time may not apply for provident fund loans again. Moreover, the loan applicant must pay the housing provident fund in full and on time in the first six months of the month when applying for the loan. The house purchased by the applicant is a self-occupied ordinary house, which has a stable source of economic income and can be repaid on schedule. However, the specific loan amount will be determined according to the institutions applying for loans, personal credit information, personal economic strength and other influencing factors.
Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.
20 12 some cities relaxed the conditions of provident fund loans, among which the upper limit of housing provident fund loans in 9 counties of Linyi City, Shandong Province was raised from 200,000 yuan to 300,000 yuan from June 1.
20 14, 10 In June, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the People's Bank of China issued a document, including relaxing the conditions of provident fund loans, promoting loans in different places, reducing intermediate costs, canceling the housing provident fund personal housing loan insurance, notarization, new house evaluation and compulsory institutional guarantee, and reducing the burden on loan workers. Among them, employees who have paid for 6 months can apply for provident fund loans (currently 12 months).
Provident fund loans refer to individual housing provident fund loans, which are issued by local housing provident fund management centers. With the housing provident fund paid by employees who apply for provident fund loans, commercial banks are entrusted to provide mortgage loans to housing provident fund depositors who purchase, build, renovate or overhaul their own houses and retired employees who pay housing provident fund during their working life. According to the regulations, employees who have paid housing provident fund for a certain number of years or more (the number of years varies from city to city, such as 12 months or more in Changsha) can apply for provident fund loans when the funds for purchasing, building, renovating or overhauling their own houses are insufficient.
The loan conditions are: the employees of the unit have signed labor contracts for more than three years (or signed 1 year labor contracts for three consecutive years); Normal continuous monthly housing provident fund deposit exceeds a certain period; Not exceeding the statutory retirement age; The borrower has a stable economic income and the ability to repay the principal and interest; The borrower agrees to handle the mortgage registration and insurance; Provide the guarantee method agreed by the local housing provident fund management center and its sub-centers; At the same time, submit relevant documents required by the bank, such as house purchase contract or house pre-sale contract, real estate license, land use certificate, deposit certificate of provident fund, etc.
Xuzhou, Jiangsu: increasing the amount of provident fund loans
On September 13, Xuzhou Housing Provident Fund Management Center of Jiangsu Province issued the Notice on Adjusting the Housing Provident Fund Loan Policy by Stages (hereinafter referred to as the Notice).
The application scope of the document is from September 1 day, 2022 to February 3 1 day, 2022, and apply for housing provident fund loan before February 3 1 day. The specific provisions shall be based on the online signing time of the commercial housing sales contract and the online signing time of the second-hand housing stock sales contract.
The notice shows that Xuzhou will adjust the maximum amount of housing provident fund loans. The maximum amount of personal loans in Xuzhou City (including tongshan district) was adjusted from 500,000 yuan to 600,000 yuan, and the maximum amount of loans for both husband and wife was adjusted from 700,000 yuan to 6,543,800 yuan; The maximum amount of personal loans in cities and counties (including jiawang district) was adjusted from 400,000 yuan to 500,000 yuan, and the maximum amount of loans for both husband and wife was adjusted from 500,000 yuan to 700,000 yuan.
When the balance of the employee's provident fund account in Xuzhou City (including tongshan district) meets the requirements specified by the center, the maximum withdrawal and loan increase amount shall not exceed RMB 6,543,800+0.2 million regardless of the application of any party.
At the same time, Xuzhou will adjust the application conditions for provident fund loans and commercial loan portfolio loans. Relax the portfolio loan policy and cancel the application conditions for the first home loan business. All employees who meet the conditions for Xuzhou provident fund loans can apply for provident fund loans and commercial loan portfolio loans.
The "Notice" requires that the maximum amount of high-level talent provident fund loans be increased. For paid employees who have obtained a master's degree or senior professional title and above, if they apply for provident fund loans to buy self-occupied housing for the first time, the maximum loan amount will be increased by 200,000 yuan respectively.
Increase the maximum amount of provident fund loans for three-child families. For Xuzhou registered families who gave birth to three children after May of 3 1 year, if they apply for provident fund loans to buy self-occupied housing for the first time, the maximum loan amount will increase by 6,543,800 yuan respectively.