In terms of raising the maximum loan amount of housing provident fund, the notice clearly stated that the maximum loan amount of housing provident fund loans in Changsha will be raised from 600,000 yuan to 700,000 yuan, and the maximum loan amount of housing provident fund loans for three-child families will be raised to 800,000 yuan.
At the same time, focus on supporting the depositor's demand for purchasing the first suite. Implement a phased "loanable" policy for the first suite. In order to help depositors alleviate the pressure of buying houses under the influence of the epidemic, the Notice clarifies that from the implementation date of the policy to February 65438+3 1 in 2022, employees' families can apply for provident fund loans or purchase the first suite housing, and the total amount of the same set of housing withdrawal shall not exceed the down payment. If you apply for house purchase withdrawal after the loan is successfully handled, the housing provident fund account of both husband and wife should keep enough repayment amount of housing provident fund loan 12 months.
In meeting the reasonable demand for improved housing, the Notice proposes to reduce the down payment ratio of the second suite. In order to support employees to improve their living environment, the minimum down payment ratio is adjusted from 60% to 40% if employees' families apply for housing provident fund loans by purchasing second suites.
At the same time, cancel the area limit requirement of the first suite. If you buy a second suite and apply for a housing provident fund loan, the first set of self-occupied housing area shall not exceed 144 square meters, that is, the area of the first suite shall not be limited.
In addition, if you apply for housing provident fund loans again after the existing housing provident fund loans are settled, the requirement of "need to settle for 6 months" will be cancelled, that is, the existing housing provident fund loans can be loaned again immediately after settlement.
In terms of increasing the amount of rent withdrawal, in order to help depositors reduce the pressure of renting, employees withdraw housing provident fund once a year to pay rent, from "the amount of each withdrawal shall not exceed 50% of the actual remittance in the past 1 year" to "the amount of each withdrawal shall not exceed the actual remittance in the past 1 year", thus improving the support for employee rent withdrawal.
The "Notice" also mentioned that the number of housing units for employees' families is easier to identify. The number of employee family housing units is limited to the self-owned housing within the administrative area of Changsha City, and the housing registration information of Changsha City shall prevail. The loan records shown in personal credit information no longer need the borrower to provide relevant information to prove.
Prior to this, Changsha's policy of "renting tickets" caused heated discussion in the market and was once regarded as "killing many birds with one stone". On May 8 this year, the leading group for cultivating and developing the housing rental market in Changsha issued the "Implementation Plan for Promoting Multi-agent Supply and Multi-channel Guarantee of Rental Housing in Changsha" (hereinafter referred to as the "Plan"). The "Proposal" pointed out that houses that have been registered for online signing or real estate registration are not included in the calculation of family housing units after they are revitalized for rental housing.
In addition, according to the information of Changsha Housing and Urban-Rural Development Bureau, starting from May 6, the interval between families buying the second set of commercial housing in the restricted purchase area of Changsha will be calculated in four years. This means that the identification of the purchase time not only recognizes the online signing for the record, but also recognizes the registration of ownership.