Update: 2022,65438+1October 28th.
Updated: September 20, 2022
In order to actively respond to the voice of depositors, give play to the role of housing provident fund system, help depositors solve basic and improved housing needs, and help alleviate the epidemic.
On July 22nd, Changsha Housing Provident Fund Management Committee issued the Notice on Optimizing the Business Policies and Processes of Housing Provident Fund, including eight loan policies and processes. 1 Withdrawal Policy focuses on supporting the demand for the first home purchase, meeting the demand for reasonable and improved housing, and meeting the demand of depositors for renting houses. The New Deal has been implemented since August 2022 1.
1. Increase the maximum loan amount of housing provident fund.
The "Notice" clarifies that the maximum loan amount of housing provident fund loans in our city 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.
2. Focus on supporting depositors to purchase the first suite, and 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.
3. Meet the reasonable demand for improved housing and 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. 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. At the same time, 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.
4. Increase the rent withdrawal amount.
In order to help depositors reduce the pressure of renting houses, employees withdraw the housing provident fund once a year to pay the rent, from "the amount of each withdrawal shall not exceed 50% of the actual remittance amount in the past 1 year" to "the amount of each withdrawal shall not exceed the actual remittance amount in the past 1 year", thus improving the support for employees' rental withdrawal.
5. Further improve the convenience of business. It is easier to determine the number of employees' family housing units.
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.
Note: The number of housing units for employees with loans from different places shall be based on the housing registration information query results within the administrative area of Changsha and the place where the main borrower's housing provident fund is deposited. The number of housing units in the main borrower's housing provident fund deposit area still needs the local real estate department to check the results.
No longer collect the original Certificate of Immovable Property Rights. Housing provident fund loans no longer charge the original certificate of immovable property rights of mortgaged property, and the property owner can hold the original by himself, thus avoiding the trouble of copying and borrowing in our center.
Make full use of the electronic official seal of housing provident fund. The electronic contract of housing provident fund loan has the same legal effect as the paper contract, and the borrower can log in to the online service hall (personal version) of the center at any time as needed to download and print the contract.