2065438+September 1 2005, the new housing provident fund policy was implemented, and the down payment ratio of the second housing provident fund loan was reduced. The Ministry of Housing and Urban-Rural Development, the Ministry of Finance and the Central Bank issued a notice to reduce the minimum down payment ratio from 30% to 20% for 1 set of housing households who have settled the corresponding housing loans and applied for housing provident fund entrusted loans to improve their living conditions. Beijing, Shanghai, Guangzhou and Shenzhen can independently decide the minimum down payment ratio for applying for a housing provident fund entrusted loan to buy a second house on the basis of national unified policies and local conditions. How to adjust the new policy of provident fund loans? After the adjustment, the minimum down payment ratio of the second-home provident fund loan was reduced from 30% to 20%. In addition, the first suite is determined to fully implement "recognizing the house but not the loan", and the second home loan does not review the existing housing area, with the maximum loan amount of10.2 million yuan. Who is the biggest beneficiary of the new provident fund loan policy? The main beneficiaries are paid employees who purchase self-occupied and improved housing needs. For example, if the borrower purchases the first set of self-occupied housing by inquiring that there is no housing under his name, the first set of self-occupied housing loan policy will be implemented, with a minimum down payment ratio of 20% and a maximum loan amount of 6.5438+0.2 million yuan; There is already a set of housing under the name of the loan applicant. If you buy a house again to improve the housing conditions, you will no longer set the limit that the per capita housing construction area of the existing housing is lower than the per capita housing construction area. How much can interest rate cuts and the second-home provident fund new deal save? 20 15 On August 25th, the central bank just announced the interest rate cut and RRR. After the interest rate cut, the benchmark mortgage interest rate dropped from 5.4% to 5. 15%, and the provident fund loan interest rate dropped from 3.5% to 3.25%, thus reducing the monthly supply pressure again.