The threshold is lower: you can apply for a loan after paying the provident fund for 6 months.
Relax the quota: A family of three can borrow up to 500,000 yuan.
Shorten the time limit: the fastest time to apply for provident fund loans is 5 days.
Shenyang evening news reports: Yesterday, the Shenyang Housing Provident Fund Management Committee discussed and passed "Several Opinions on Increasing Personal Housing Provident Fund Loans and Expanding Housing Consumption". Eligible citizens of Shenyang and eight cities in Shenyang Economic Zone can enjoy the "1 1" discount for housing provident fund loans. It is reported that the personal housing provident fund loan "1 1 New Deal" was officially implemented today (March 1 day).
The maximum loan amount was raised to 500,000 yuan.
Raise the upper limit of personal loan amount of housing provident fund. The maximum amount of personal loans for housing provident fund is unilaterally raised from 200,000 yuan to 250,000 yuan; The loan amount of both parties remains unchanged at 400,000 yuan. For families with more than three people who have paid housing provident fund, the maximum amount of provident fund loans is 500,000 yuan.
Loan "threshold" is lowered
① Reduce the application conditions and apply for housing provident fund loans after six months of continuous deposit: adjust the policy that former employees can apply for housing provident fund loans after paying housing provident fund in full 12 months, so that employees can apply for housing provident fund loans after paying housing provident fund in full for six months.
② Reduce the down payment ratio: adjust the minimum down payment ratio of hardcover rooms and serviced apartments from not less than 50% of the total purchase price to not less than 40% of the total purchase price; The minimum down payment ratio for attic, ground floor garden and duplex commercial housing will be adjusted from not less than 40% to not less than 30% of the total purchase price.
③ Portfolio loans can enjoy the best interest rate: when the personal loan amount of provident fund is insufficient and it is necessary to apply for portfolio loan business of commercial banks at the same time, all new commercial portfolio loans can enjoy the preferential interest rate of 30%.
(4) Demobilized military cadres who choose their own jobs apply for provident fund loans after repayment: Demobilized military cadres who choose their own jobs can apply for personal housing provident fund loans if they deposit provident fund through opening an account and repay it for more than 6 months (including 6 months). At present, the center has set up a special window in Huanggu Management Department to handle provident fund loan business for qualified self-employed demobilized cadres.
Commercial loans can be transferred to provident fund loans.
Open the personal housing loan of commercial banks to the personal loan business of provident fund. In order to reduce the repayment pressure of employees' housing loans and meet the needs of employees who apply for commercial housing loans because they do not have the conditions for personal provident fund loans, employees who meet the conditions for personal provident fund loans will be converted from commercial loans to personal provident fund loans.
Fast-track loans can be made within 5 days.
Starting from today, the Shenyang Provident Fund Management Center, the Ownership Registration Center of the Municipal Real Estate Bureau, and the real estate home purchase guarantee company will open the fast track of the provident fund loan guarantee mortgage. Citizens can apply for provident fund loans within 5 working days at the earliest.
Personal loans for reputable developers can be relaxed.
For real estate development enterprises with good qualifications and credit, the personal loan conditions of provident fund can be appropriately relaxed.
You can enjoy a 30% discount on off-site loans.
In addition, citizens of seven other cities in Shenyang Economic Zone can enjoy the same four preferential policies in the first eight "New Deal", such as increasing the loan amount, lowering the loan conditions, reducing the down payment ratio and enjoying preferential interest rates.
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Is it appropriate to transfer commercial loans to provident fund?
The bank said: it depends on the lender's situation.
Starting from today (March 1 day), eligible employees can handle personal business from commercial loans to provident fund loans. On the same day, the reporter interviewed Manager Wang of the personal loan business department of a commercial bank in Shenyang.
He said that according to the current personal loan interest rate policy, the benchmark interest rate for more than five years is 5.94%. Interest is calculated at a discount of 8.5%, with an annual interest rate of 5.05%; With a 30% discount, the annual interest rate will be as low as 4. 16%.
The loan interest rate of provident fund for more than five years is 3.87%. In this way, the interest rate difference between commercial loans and provident fund loans will be 0.29%- 1. 18%. Therefore, in theory, it is more cost-effective to transfer commercial loans to provident fund loans.
However, he also reminded lenders to consider the following issues to see if it is cost-effective to transfer commercial loans to provident fund. The transfer of outstanding commercial loans to provident fund loans requires the consent of the borrowing bank. According to the practice of the banking industry, the lender can only refinance the loan after clearing the loan, which requires the lender to pay the liquidated damages for prepayment. The proportion of liquidated damages in each bank is different, so you need to calculate it carefully according to the proportion agreed in the investment contract.
In addition, under the current low interest rate, if you have paid off half of the loan, you need to pay little interest, so it is of little significance to refinance.
At that time, you can also enjoy the following three "New Deal".
① Open SMS reminder service: The center provides "instant message" SMS service for citizens who apply for loans in different places, so that borrowers in different places can know the changes of your account in time.
② Opening a "green channel for off-site loans": all provident fund centers set up off-site loan acceptance windows, and full-time staff are responsible for loan issuance. Simplify procedures, reduce procedures, and establish a convenient and fast green channel for off-site loans.
③ "Integrated" management of provident fund in eight cities: build an information exchange platform for provident fund, promote the sharing of information resources, and realize "integrated" management of provident fund in Shenyang Economic Zone.
In other words, Shenyang citizens can enjoy eight preferential policies, and other urban residents can enjoy seven ("4+3") preferential policies when applying for loans in different places.
Provident Fund Consulting Service Tel: 96688
On February 28th, Xing Kai, member of the Standing Committee of the Municipal Party Committee and deputy mayor, revealed that in 2008, among the five sub-provincial cities in China, Shenyang ranked first in real estate development investment and commercial housing sales area; The house price is only higher than Harbin and Changchun, ranking third from the bottom. According to the comprehensive index evaluation of the real estate market, Shenyang's real estate market is the best in the country.
Shenyang launched provident fund this year.
Personal loan 3 billion
The unit is not punctual
Pay provident fund for employees
Will be punished
(Reporter Zhang Jing, Director and Intern Zhang Shengxi, Wu Jia) In 2009, Shenyang plans to collect 5 billion yuan of housing accumulation fund and issue 3 billion yuan of personal housing loans. Units that fail to pay the provident fund for employees in full and on time and encroach on the interests of employees will be punished according to law.
In 2008, Shenyang * * * collected 4.89 billion yuan of housing accumulation fund, an increase of 36.2% over the previous year. The number of newly opened accounts was 92,882, an increase of 29.3% over the previous year. Personal loans for housing provident fund amounted to 2.92 billion yuan, accounting for 104.2% of the annual plan, and 2.52 billion yuan was withdrawn and used by employees, an increase of 39.2% over the previous year. New 1 197 sets were opened throughout the year, achieving a historic breakthrough. By the end of 2008, the city had accumulated 2124 million yuan of housing accumulation fund, with a balance of1248 million yuan. The provident fund system has covered 1 tens of thousands of units and 1 tens of thousands of employees.
In 2009, Shenyang plans to collect 5 billion yuan of housing accumulation fund for the whole year; Personal housing loans will be 3 billion yuan, and the personal loans overdue rate will be controlled below 0.03%. At the same time, focus on supporting poor families and workers who purchase small and medium-sized loans, gradually establish a provident fund loan policy that is inclined to low-income families in cities and towns, and increase the supplementary funds for low-rent housing on the basis of increasing value-added income.
In order to reduce the labor cost, some units fail to pay the provident fund for employees in full and on time. This year, the Center will innovate law enforcement methods, publicize reminders, and expose and punish units that encroach on the interests of employees according to law.