At present, all localities continue to implement easing measures in provident fund loans. In addition to increasing the amount of provident fund loans and relaxing the provident fund withdrawal policy, the provident fund policy of "recognizing houses but not loans" is also a bright spot in the near future.
"From the perspective of the promotion of provident fund policies in various places this year, the support for provident fund has been significantly strengthened, which is also an important manifestation of financial policies supporting housing consumption. In particular, the optimization of the policy of recognizing housing and loans is conducive to the release of demand for improved housing. " It further stated that Tianjin's provident fund policy emphasizes that one of the prerequisites for determining the first set of qualifications is "no Tianjin real estate under the name". For those who have replacement needs, they must "sell one and buy one" to enjoy the new provident fund policy. The previous backlog of demand was basically released, and the Tianjin market returned to a dull mode.
According to the data of the Central Reference Institute, the transaction volume of new houses in Tianjin was 952,600 square meters, down 33.94% from the previous month; The transaction area of second-hand houses1404,600 square meters, down from the previous month 1%.
The above analysts said that the listing volume of the second-hand housing market in Tianjin has continued to rise, and the second-hand housing market has entered the buyer's market. Factors such as the extension of the sales cycle and the decline in the total housing price will affect the expectations of the replacement population. The most important change in the new method of Tianjin provident fund is to cancel the provision that "there are already loan records and the settlement is still two sets". If the housing provident fund loan is settled for the first time and there is no real estate in Tianjin, the second use of the provident fund can be implemented according to the first suite policy (30% down payment).
According to the current policy in Tianjin, the maximum loan for the first home provident fund is 800,000 yuan, and the maximum loan for families with many children is 960,000 yuan. After the implementation of the new measures, the standard of the first suite of Tianjin provident fund is basically the same as that of commercial loans.
"At present, the interest rate of the first home loan in Tianjin has dropped to the lowest level in history, the conditions for using the provident fund have been relaxed, and the loan amount has been greatly increased. The relaxed policy environment is beneficial to those who just need to buy houses. However, at present, residents' income and employment expectations have not reversed, and market expectations are unstable. So the stimulus effect of this policy may not be as good as expected. "An analyst from Tianjin Branch of the Central Reference Hospital told the reporter," Checking the number of housing units only depends on the number of housing units applied by the lender, and no longer checks the provident fund loans, which means that Tianjin has implemented the policy of' recognizing the house but not the loan'. "The research director of Yiju Research Institute said.
The "Notice" stipulates that the number of units purchased shall be calculated according to the cumulative value on the page where the number of units of employees' family housing is recorded in the annex of the purchase contract or agreement. Among them, if the number of employee family housing units is 0, the first set of housing loans will be issued; If the number of family housing units is 1, two sets of housing loans will be issued; Workers' families who buy the third and above houses will not be granted housing provident fund loans.
The staff of the Tianjin provident fund service hotline said that if the housing provident fund loan is not used, or if there is only one housing provident fund loan record and it has been paid off, the provident fund loan can still be lent. However, the family has had two housing provident fund loan records, and even if there is no housing under the family name, it cannot borrow again. Following the cancellation of commercial loans, Tianjin provident fund loans also began to implement the policy of "recognizing houses but not loans".
A few days ago, it was reported in the market that Tianjin Housing Provident Fund Management Center issued the Notice on Adjusting the Auditing Standards for Housing Provident Fund Loans, which clearly adjusted the provident fund loan policy, including adjusting the auditing standards for the number of units and simplifying the requirements for loan auditing.
The hotline of Tianjin Housing Provident Fund Management Center confirmed to the media that the review standard of Tianjin housing provident fund loans will be adjusted, and the above documents will be published online soon.
In terms of adjusting the standards for the verification of the number of units, Tianjin has adjusted the "Identification of the number of housing units for employees' families" in the Operating Rules for the Issuance of Personal Housing Provident Fund (Combination) Loans to: the number of units approved shall be based on the number of units purchased by the Tianjin housing transaction department and the real estate registration management department at the time of housing transaction and recorded in the text of the housing transaction contract.