Increase the amount of rent withdrawal

In order to optimize the use of housing provident fund, Liuzhou has increased the withdrawal amount of housing provident fund for leased commercial housing according to the rent level in Liuzhou.

If a single depositor rents commercial housing, the withdrawal amount of the rental housing will be increased from 800 yuan to 900 yuan every month, and the upper limit of the annual withdrawal amount of the housing provident fund to pay the rent will be increased from 9600 yuan to 10800 yuan.

For married depositors who rent commercial housing, the total withdrawal of both husband and wife is adjusted from 1.200 yuan to 1.300 yuan per month, and the upper limit of the total withdrawal and payment of housing provident fund rent is raised from 1.400 yuan to 1.5600 yuan per year.

If a family with two or more children is renting commercial housing in line with the national birth policy, the total amount of rent drawn by both husband and wife will be adjusted from 1.200 yuan to 1.500 yuan per month, and the upper limit of the total amount of rent drawn from housing accumulation fund will be raised from 1.400 yuan to 1.800 yuan per year. Families with many children need to provide "Birth Medical Certificate" or household register and other materials that can reflect lineal relatives when renting a house to withdraw housing accumulation fund.

If the depositor rents public rental housing, it shall be fully extracted according to the actual housing expenditure.

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The loan amount is linked to the deposit time.

Combined with the liquidity of the provident fund center and the existing housing price level in Liuzhou, the upper limit of the housing provident fund loan amount will be appropriately raised, and the upper limit will be adjusted from 400,000 yuan to 500,000 yuan.

The approval method of housing provident fund loan amount is changed from "housing provident fund loan amount = (balance of borrower's housing provident fund account+balance of spouse's housing provident fund account) ×6" to "housing provident fund loan amount = balance of borrower's housing provident fund account × multiple of deposit balance × deposit time coefficient+balance of spouse's housing provident fund account × deposit time coefficient". According to the principle of multi-deposit and multi-loan, long-term deposit and multi-loan, the loan amount of housing provident fund is linked to the deposit balance and deposit time. The multiple of deposit balance is 6 times; The deposit time coefficient is increased, and the loan applicant and spouse determine the deposit time coefficient according to their respective deposit time.

When the continuous normal deposit time is 12 months to 23 months, the deposit time coefficient is1.0;

When the continuous normal deposit time is from 24 months to 35 months, the deposit time coefficient is1.1;

When the continuous normal deposit time is from 36 months to 47 months, the deposit time coefficient is1.2;

When the continuous normal deposit time is from 48 months to 59 months, the deposit time coefficient is1.3;

When the continuous normal deposit time is 60 months or more, the deposit time coefficient is 1.4.

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Adjust the down payment ratio of secondary loans

The loan applicant's family (including single, married, divorced and widowed) settled the first housing provident fund loan, and after using the housing provident fund loan for the second time, the down payment ratio was adjusted from "not less than 35%" to "not less than 30%".

At the same time, the lending conditions of housing provident fund loans have also been adjusted. If the loan applicant purchases an existing house (such as a second-hand house, a house built according to law) or a self-built house, after the mortgage registration is completed, the provident fund center will issue a housing provident fund loan.

When the loan applicant purchases new housing (including new commercial housing, new affordable housing and new fund-raising housing), the pre-sale funds of the purchased new housing will be included in the supervision of the pre-sale funds, and the guarantee company will provide phased guarantee. After the mortgage notice is registered, the provident fund center will issue housing provident fund loans. Increase the loan conditions of "pre-sale funds of new houses are included in the supervision of pre-sale funds" to ensure the safety of housing provident fund loan funds and reduce the risk of loan applicants buying houses.

In addition, if the loan applicant purchases a new house, the provident fund center will issue a housing provident fund loan after completing the mortgage notice registration and the main structure of the purchased new house has been capped.

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Increase the loan amount for families with many children

In order to support the housing needs of families with many children and accurately implement the housing purchase policy, Liuzhou adjusted the upper limit of individual housing loans for housing provident fund for families with many children.

When a family of a loan applicant who has given birth to two or more children in line with the national birth policy applies for the first set of housing provident fund loans (if there is no outstanding housing loan in the family of the loan applicant, it will be regarded as the first set), the upper limit of the housing provident fund loan amount will be increased by 654.38+ 10,000 yuan.

For example, at this stage, the upper limit of the housing provident fund loan amount is 500,000 yuan, and the upper limit of the family housing provident fund loan amount for loan applicants who have two or more children in line with the national birth policy is increased by 6,543,800 yuan, that is, 500,000 yuan+6,543,800 yuan = 600,000 yuan. The specific amount of housing provident fund loans is approved by the comprehensive loan amount of the provident fund center, the repayment ability of the loan applicant's family, credit status and other factors.

Families of loan applicants who have given birth to more than two (inclusive) children in line with the national birth policy shall provide supporting materials (including but not limited to household registration books and birth certificates, etc.). ); Other required loan materials are provided according to the type of house purchase according to the list of housing provident fund loan materials, which can be viewed or downloaded from the website of provident fund center.

Families of loan applicants who have two or more children in line with the national birth policy can and can only enjoy raising the upper limit of housing provident fund loans once.