Many people have questions: how to define the specific implementation?
On February 4, 65438, Xi Housing Provident Fund Management Center issued the Notice on Defining the Relevant Matters of Personal Housing Provident Fund Loan, which explained this.
First of all, it is clear that the down payment ratio will remain unchanged for the first time to use the housing provident fund loan to buy a house.
Before the policy of 165438+2020130 October, the loan policy for using Xi 'an provident fund is as follows:
The minimum down payment for the first purchase of ordinary housing is 25%, and the minimum down payment for the purchase of non-ordinary housing is 30%. After the first provident fund loan is settled, the minimum down payment for purchasing ordinary housing is 30%, and the minimum down payment for purchasing non-ordinary housing is 35%. The third house was purchased with provident fund, which is not supported.
The longest loan period shall not exceed 30 years; The amount of self-occupied ordinary housing shall not exceed 70% of the total contract price; Hardcover rooms and housing prices are significantly higher than the local market average, not exceeding 60% of the total contract price; The second set of interest rates shall be 1. 1 times.
The change this time is that the down payment ratio is not less than 50% for those who apply for housing provident fund loans again after the first housing provident fund loan is settled, and not less than 55% for those whose area is below144m2 and above144m2.
This has two meanings: first, the first housing provident fund loan has not been settled and cannot be used again; Second, after the settlement of the first use, the proportion of down payment for reuse has increased, but the increase is lower than that of commercial loans, which still means encouraging the use of provident fund loans.
Secondly, the implementation and definition standards of the second-home provident fund loan increase are clarified.
The online signing time of the house purchase contract shall prevail, and it shall be implemented in two situations:
First, if the house purchase contract is signed online before 65438+February 1 in 2020, and the loan acceptance time is before 5438+October 65438+1October 3 1 in 2026, the down payment ratio will still be implemented according to the original policy.
However, if the loan is accepted after February 1 and 202 1, the down payment ratio will be implemented according to the new policy.
2. If the house purchase contract is signed online after 65438+February 1 2020, the down payment ratio shall be implemented according to the New Deal. There will be no loan processing time.
It should be noted that the loan acceptance time is based on the time when the entrusting bank enters the account in the central system.
If it was signed online before 65438+February 1 (inclusive), I'm afraid you have to improve the efficiency of the bank if you want to enjoy the previous down payment policy, and enter it as soon as possible, otherwise it may be implemented according to the new down payment!
Another question is: what is the status of the online signing time of the house purchase contract?
1.Xi The time for the purchase contract of Anxinfang is subject to the online signing time inquired by Xixian New District Housing and Construction Bureau website and Xixian New Area official website.
2. The second-hand housing purchase contract is subject to the signing time.
Need to be reminded that some large huxing may be affected by some factors, and the online signing time will be delayed than expected, so buyers of these houses should pay special attention.
Attachment: The text of the Notice on Defining the Relevant Matters of Personal Housing Provident Fund Loan is as follows:
Article source: Xi An Property Market