Six months. Provident funds include housing provident fund and company provident fund. Many times, the provident fund refers to the housing provident fund. Changzhou provident fund can be used as a provident fund loan if it is deposited continuously for more than 6 months. Housing accumulation fund is a long-term housing deposit paid by employees and employers.
Changzhou provident fund loan new policy 202 1
According to the news of Changzhou Housing Provident Fund Management Center, in order to better meet the housing provident fund demand of employees to pay housing loans, from March 22nd, 20021,interest-bearing loans of "Revolutionary Commercial Loans" (hereinafter referred to as "Revolutionary Commercial Loans") were opened in Changzhou City and Wujin District (including Changzhou Economic Development Zone). What is a "revolution merchant" loan? The "revolution business" loan means that the provident fund center cooperates with the undertaking bank, and the undertaking bank grants commercial personal housing loans to borrowers who meet the housing provident fund personal loan conditions with the approval of both the provident fund center and the undertaking bank, and the interest difference caused by the commercial personal housing loan interest rate is higher than the housing provident fund personal loan interest rate is subsidized by the provident fund center.
legal ground
Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.
Changzhou provident fund loan amount
Changzhou housing accumulation fund new policy has been implemented for more than a month, and has achieved initial results: the city has accepted loans of 662 million yuan, and the average amount of loans applied for has increased by 38.46%. 15 high-end talented families such as masters and doctors have applied for housing loans.
In the first month of the implementation of the New Deal, the city accepted a total of 12 19 households, amounting to 662 million yuan, 2.4 times that of the month before the adjustment of the New Deal. Among them, 187 households used housing provident fund loans for the second time, accounting for 15.34%, which was 4.27 percentage points higher than that before the implementation of the New Deal. The introduction of the New Deal has lowered the threshold for buying houses, eased the pressure of excessive down payment ratio on employees' self-housing, and given more support and encouragement to buyers.
Housing accumulation fund is a popular project to ensure people's housing needs. The housing provident fund loan in our city has strongly supported the demand for improved housing on the basis of ensuring the just-needed groups to live in peace. According to statistics, after the launch of the New Deal, the average application amount of housing provident fund loans increased from 390,000 yuan to 540,000 yuan, an increase of 38.46%. Housing provident fund loans accounted for 33% of the average transaction price, an increase of 7.7 percentage points over the month before the implementation of the New Deal. The average amount of the second housing provident fund loan application increased from 440,000 yuan to 640,000 yuan, an increase of 45%.
The new loan policy has increased the housing provident fund loan amount of 300,000 yuan for single people and families (more than two people). Compared with the commercial housing loan with higher interest rate, the extra RMB 300,000 is calculated according to the loan annual interest rate of 4.45%, the loan term of 30 years, and the equal principal and interest repayment, which directly reduces the employee interest expense of RMB 74,000. Give full play to the positive role of housing provident fund in realizing the goal of "living and living" and promoting the healthy development of the real estate market.
After increasing the support for high-end talents such as doctors and masters under the age of 35, in the first month, 15 families of masters and doctors applied for housing provident fund loans, totaling13.2 million yuan. This move has accelerated the construction process of the talent housing project in our city, promoted the effective connection between the "youth staying in Changzhou" housing plan and the housing provident fund policy of benefiting the people, solved the housing needs of more young talents, ensured that young talents came to Changzhou and stayed in Changzhou, and made them live and work in peace and contentment, happiness and well-being.
The latest policy of Changzhou house purchasing qualification 2022
No.65438 +0 | 1 purchase restriction policy
This city is not limited to purchase.
Second || Second, the policy of restricting loans
Commercial loans:
On May 19, 2022, the self-discipline mechanism of market interest rate pricing in Changzhou issued the Notice on Adjusting the Minimum Down Payment Ratio of Commercial Personal Housing Loans in Changzhou. From May 19, 2022, the minimum down payment ratio for households that already own a house in Changzhou City and the corresponding loans have not been settled will be adjusted to not less than 30%.
At present, the general policy of housing commercial loans in Changzhou is to recognize loans but not houses. Judging from the specific housing loan conditions, Changzhou is also relatively loose. As long as the income is stable, there is no bad credit record and other loan conditions are met.
There is no record of any housing loan (business or provident fund) in Changzhou or other cities. It is the first time to buy a house in Changzhou. The eligible minimum down payment ratio can be 20%, usually 30%.
I have a mortgage record in Changzhou or other cities, but I have paid it off. Buying a house in Changzhou is still the first suite. The eligible minimum down payment ratio can be 20%, usually 30%.
In Changzhou or other cities, the loan for a suite has not been paid off. Buying a house in Changzhou can be considered as a second suite with a minimum down payment of 30%.
There are two or more outstanding housing loans in Changzhou or other cities. Buying a house in Changzhou can only be paid in one lump sum, because three or more loans in Changzhou are suspended at present.
At present, the mortgage interest rate of Changzhou commercial loan is based on LPR. The currently implemented LPR is 3.7% for 1 year, and 4.45% for 5-year LPR and above (the new standards for LPR implementation will be announced on the 20th of each month).
According to the latest policy, the minimum loan interest rate for the first suite is 4.25%, and the minimum loan interest rate for the second suite is 5.05%. Lending time is basically faster.
The latest loan market quotation (LPR) published by the People's Bank of China in August is 3.65% for 1 year and 4.3% for five years and above.
According to the current mortgage policy, this means that from now on, the lowest interest rate of the first home loan of Changzhou Commercial Loan can reach 4. 1%, and the lowest interest rate of the second home loan can reach 4.9%.
This mortgage interest rate is the lowest since the implementation of LPR and the lowest in Changzhou in recent ten years.
Provident fund loan:
On May 17, Changzhou Housing Provident Fund Management Center issued a new provident fund loan policy. The New Deal said to reduce the down payment ratio of the second housing provident fund loan. The minimum down payment ratio was lowered from 50% to 30%.
Changzhou Housing Provident Fund calculates the loan amount according to the method of "average monthly account balance × loan distribution coefficient", and the loan amount shall not exceed 10 times of the individual housing provident fund account balance when applying for a loan. You can apply for a loan after 6 months of continuous deposit.
According to the latest policy, the maximum loan amount of Changzhou provident fund loans is 600,000 for individuals and 900,000 for families. The maximum loan amount for qualified talents is 6,543,800 yuan+0.2 million yuan (it needs to be in the corresponding talent pool and has no use record, please consult the provident fund center for details).
The minimum down payment ratio of the first-time provident fund loan is 20%, and the minimum down payment ratio of the second loan is 30%.
Third || Third Limit Policy
Within the scope of Changzhou city and district, commercial housing can only be listed and traded after obtaining the certificate of immovable property for 2 years.
According to the latest news from Changzhou Daily, Changzhou's sales restriction policy is about to be adjusted. Since September 1 2022, the second-hand houses in Changzhou (referring to the commercial houses that have obtained the ownership certificate, but excluding the real estate development enterprises that have registered the real estate for the first time) have been completely cancelled.
The time for the newly-built commercial housing purchased by the purchaser from the real estate development enterprise to be listed and traded again remains unchanged, that is, the purchaser can only be listed and traded for 2 years after obtaining the house ownership certificate.
No.4 || No.4 Talent Policy
202 1 Changzhou promulgated the Detailed Rules for the Implementation of Double Subsidies for Young Talents' Living and Living, providing housing, renting and living subsidies for eligible young talents.
Residence and lease policy:
Funding targets: doctoral students, master students under the age of 35, full-time undergraduates, senior technicians and technicians who have paid social security for more than 6 months in Changzhou, introduced by Changzhou enterprises.
Living allowance standard: doctoral student 800 yuan, master student and senior technician 500 yuan, full-time undergraduate and technician 300 yuan. The subsidy period is 2 years.
Rental subsidy standard: doctoral student 800 yuan, master student and senior technician 600 yuan, full-time undergraduate and technician 500 yuan.
Funding period: 3 years.
Housing purchase policy:
Funding targets: doctoral students, master students under the age of 35, full-time undergraduates, senior technicians and technicians who have paid social security for more than 6 months in Changzhou.
Funding criteria: These qualified talents purchase Changzhou commercial housing for the first time within the first 1 year to the second two years after the introduction, including those purchased alone or together with their spouses, parents and children. The purchase subsidy for doctoral students is 250,000 yuan, that for master students and senior technicians is 50,000 yuan, and that for full-time undergraduates and technicians is 30,000 yuan.
At the same time, on the basis of the existing policy, the housing provident fund loan also gives 6.5438+0.2 million yuan to doctors who buy commercial housing in Changzhou for the first time, 700,000 yuan to individuals for masters or 6.5438+0.0 million yuan to families.
The introduction of Changzhou provident fund loan to buy a house and Changzhou provident fund loan to buy a house ends here. I wonder if you have found the information you need?