What is the loan amount for the first home of Guangzhou two-child and above family provident fund?
Since June 28th, if a family with two or more children (at least one child is underage) uses the housing provident fund loan to purchase the first set of self-occupied housing, the housing provident fund loan will go up by 30%.
After the publication of the Notice, families with two or more children purchase the first set of self-occupied housing and use housing provident fund loans. The maximum loan amount for one person can reach 780,000 yuan, and the maximum loan amount for two or more people can reach 6.5438+0.3 million yuan. Compared with commercial loans, taking the loan of 6,543,800+3,000 yuan for 30 years as an example, the housing provident fund loan is expected to save the depositor about 320,000 yuan in interest, which is more than 70,000 yuan before the loan amount rises, which is very cost-effective for the depositor.
Experts believe that the implementation of this policy is conducive to reducing the burden of depositors buying houses, saving interest expenses and alleviating the pressure on housing funds; It will help solve the housing needs of new citizens and young people and help them settle down in Guangzhou; It is conducive to helping to establish a positive fertility support policy system and create a good fertility support atmosphere.
Due to the current downturn in the property market, all regions will continue to optimize the provident fund loan policy and other housing purchase policies. You can continue to pay attention to the latest local policies, that's all. I hope it helps you.