Beijing News Recently, Gansu Province, Lishui City, Zhejiang Province, Taizhou City and other places issued announcements to adjust the policies related to the provident fund, which mainly involved adjusting the loan amount and loan term.
Specifically, on April 6, Gansu Provincial Housing Fund Management Center announced that since April 6, 2022, the maximum amount of individual housing loans for housing provident fund has been adjusted from 600,000 yuan for married employees to 700,000 yuan; 500,000 yuan for single employees is adjusted to 600,000 yuan.
In this regard, Yan Yuejin, research director of the think tank center of Yiju Research Institute, believes that this is the first example of raising the amount of provident fund at the provincial level this year, which has a strong signal significance; The relaxation at the provincial level will help to further relax the province's provident fund policy, which will have a positive impact on provincial capitals and prefecture-level cities, and will also better guide the changes in market expectations, which will objectively help reduce the encouragement and cost of buying houses and truly activate the activity of real estate market transactions.
Coincidentally, on the same day, the official account of "Lishui Publishing" WeChat also issued a notice on adjusting the housing provident fund policy in Lishui, raising the maximum loan limit for employees to apply for housing provident fund loans for the first time to purchase the first set of self-occupied housing. Among them, the maximum amount of employees with double deposit was adjusted from 500,000 yuan to 700,000 yuan, and the maximum amount of employees with single deposit was adjusted from 250,000 yuan to 350,000 yuan. At the same time, in terms of loan term, the loan term of Lishui housing provident fund has been adjusted from "no more than 20 years" to "no more than 30 years". In addition, the minimum down payment ratio for employees to apply for housing provident fund loans for the first time to purchase the first self-occupied housing is lowered to 20%.
At the end of March, Taizhou Housing Provident Fund Center issued a notice on printing and distributing the Detailed Rules for the Management of Individual Housing Loans of Taizhou Housing Provident Fund, which clearly stated that if the same couple gave birth to their third child on May 3 1 (inclusive), the maximum loan amount would rise if they bought the first set of self-occupied housing in Taizhou and applied for housing provident fund loans for the first time. If the loan amount obtained according to the loan calculation formula rises by 20% and is still less than 200,000 yuan after rising, the loan amount shall be calculated according to 200,000 yuan, and the maximum amount shall not exceed the loanable amount; For three-child families who have enjoyed other preferential policies for housing provident fund loan quotas, the floating proportion of loan quotas will no longer be superimposed.
Second, what is the policy and down payment of Lishui loan to buy a house?
1, if the provident fund is used for the first time and the construction area of Xing Tao is less than 90 square meters (inclusive), the down payment ratio of the loan shall be at least 20% of the total house price. If the purchase area of the provident fund loan is more than 90 square meters, the minimum down payment ratio is more than 30%;
2. The minimum down payment for the first suite of bank mortgage loan is over 30%;
3. Now the interest rate in mortgage to buy a house is different because of the specific policies of different banks, and each bank has its own floating range!
Three, Lishui housing provident fund loans, loans can be tens of thousands.
Sure, how much do you need?
Let's see what others say.
Four, Lishui housing provident fund loans, loans can be tens of thousands.
It is suggested to consult the local provident fund management center to calculate the minimum amount according to four conditions: repayment ability, housing price ratio, housing provident fund account balance and maximum loan limit.