In order to give full play to the role of the housing provident fund system, support the rigid and reasonable housing needs of "two-child" and "three-child" families, and ease the financial pressure on families with many children to buy houses, Cangzhou City has introduced preferential policies to increase the amount of housing provident fund loans for families with many children. Among them, the maximum loan amount for two-child families increased by 654.38+10,000 yuan, and the maximum loan amount for three-child families increased by 200,000 yuan.
The New Deal stipulates that families with many children who meet the housing provident fund loan policy of Cangzhou City are not restricted by the deposit balance and the deposit time coefficient when applying for housing provident fund loans in Cangzhou City. In the case of not exceeding the repayment ability of the family, the maximum loan amount of the two-child family will rise by 654.38+10,000 yuan, that is, if the housing provident fund is paid unilaterally, the maximum loan amount will increase to 700,000 yuan; If both husband and wife pay the housing provident fund normally, the maximum loan amount will be raised to 900,000 yuan.
The maximum loan amount for a three-child family will rise by 200,000 yuan, that is, if the housing provident fund is paid unilaterally, the maximum loan amount will be raised to 800,000 yuan; If both husband and wife pay the housing provident fund normally, the maximum loan amount will be increased to 6,543,800 yuan.
The New Deal pointed out that when employees who meet the preferential policies apply for housing provident fund loans, they must provide not only the documents required by the Measures for the Administration of Housing Provident Fund Loans in Cangzhou City, but also the household registration book or the birth certificate of their children or the relevant certificates issued by the competent authorities.
In addition, on May 25th this year, Cangzhou Housing Provident Fund Management Committee issued the Notice on Adjusting Housing Provident Fund Policy to increase the maximum amount of housing provident fund loans. For families who unilaterally pay the housing provident fund, the maximum loan amount will be raised from 400,000 yuan to 600,000 yuan; For families where both husband and wife normally pay the housing provident fund, the maximum loan amount will be raised from 600,000 yuan to 800,000 yuan.
The notice mentioned that the minimum down payment ratio of housing provident fund loans should be reduced. For the first time to apply for a housing provident fund loan to buy a house, the minimum down payment ratio will be reduced from 30% to 20%; The second application for housing provident fund loans to buy housing, the minimum down payment ratio decreased from 60% to 30%.
At the same time, increase the minimum amount of housing provident fund loans. Units that establish a housing provident fund system, whose paid employees use housing provident fund loans to purchase houses, and families who unilaterally pay housing provident fund under the conditions of repayment ability, the amount of secured loans will be increased from 200,000 yuan to 300,000 yuan; For families where both husband and wife normally pay the housing provident fund, the guaranteed loan amount will be increased from 300,000 yuan to 400,000 yuan.