The new media learned that the specific adjustment involves the maximum loan amount, the way to determine the number of housing units, the possibility of borrowing new ones and returning old ones, and supporting the reasonable housing needs of employees.
Specifically, in terms of adjusting the maximum loan amount, the maximum amount of housing provident fund loans for employees' families whose husband and wife normally pay housing provident fund is adjusted from the current 600,000 yuan to 700,000 yuan.
In terms of adjusting the way to identify the number of housing units, before February 65438+3 1 in 2022, the housing loan record of China People's Bank was used as the way to identify the number of housing units for housing provident fund loans. If there is no outstanding commercial housing loan, the first set of housing provident fund loan policy will be implemented; If there are outstanding commercial housing loans, the second set of housing provident fund loan policy will be implemented.
For newly purchased housing, before 65438+February 3, 20221,all paid employees who have newly purchased self-occupied housing (paid housing, existing housing and re-traded housing) in Mianyang city and applied for housing provident fund loans can apply for housing provident fund loans after extracting the deposit balance of this house that is not included in the loan amount calculation to pay the down payment.
Support the reasonable housing needs of employees, further optimize the provident fund loan policy, and support the families of paid employees to purchase improved housing to meet the reasonable housing needs.
In addition, Mianyang will also give preferential policies to families with many children to buy houses. For families who have two or three children in line with the policy, if they buy new commercial housing in Mianyang City (including Anzhou District) from the date of implementation of these measures, they will be given financial subsidies per square meter of 200 yuan according to the construction area, and the maximum single household will not exceed 20,000 yuan.
It is reported that according to the financial system, the subsidy funds are borne by the urban (park) two levels of finance, with the municipal level bearing 30% and the district (park) bearing 70%.