With its natural geographical advantages, Qinhuangdao has attracted a large number of home buyers to buy houses here as a way of appreciation investment. However, in order to stabilize the real estate market, Qinhuangdao's purchase policy has changed slightly. What is the latest policy of 20 18? Then let's take a look!
1. Families with local household registration cannot apply for buying a third suite. Non-local household registration families need to provide 13 months social security certificate, but the purchase of the second suite is limited; Two, foreign families have a suite in the urban area, no longer meet the conditions for the purchase, to suspend the sale of housing; Three, belong to the talent introduced by government agencies, through identification, can be allowed to buy a house, not restricted by social security conditions.
Non-local residents who purchase houses and apply for loans must be able to provide pension insurance records or pay tax payment certificates for at least 12 months. If you are an individual merchant, you can apply for a loan with your business license. If you buy the first suite at the same time, there is no regional restriction, and the down payment ratio is the same as that of the local family's first suite loan.
Among them, if you choose a commercial loan, the down payment for the first suite will not be less than 30% of the house price. If you already have a property under your name, apply for a loan to buy a house again, according to the standards of the second suite, and the down payment is often not less than 40% of the house price. If you already have two suites in your name and bought three suites, you can't apply for a loan.
In addition, if employees who pay the provident fund buy a house, the down payment for the first suite is often above 30%. If there is a suite in the name and the loan is still paid, the down payment for the second suite is often not less than 60% of the house price. Buy three suites, do not support provident fund loans, you need to pay the house price in full.
Finally, neither developers nor housing agents are allowed to sell properties to buyers who are restricted in purchase. If there is violation, the real estate department will not register, suspend the application for provident fund loans, and can only apply for commercial loans.
I hope the above answers are helpful to you.
20 18 what are the policies for purchasing houses in Qinhuangdao?
In order to further implement the national macro-control policy of real estate, enhance the residential property of housing, curb the excessive rise of housing prices and ensure the healthy development of the real estate market. Connecting with the actual situation of Qinhuangdao, this paper introduces the house purchasing policy. So, what are the policies for purchasing houses in Qinhuangdao? How to apply for provident fund loan for the first suite in Qinhuangdao? Let's take a look with Bian Xiao.
1. What are the policies for purchasing houses in Qinhuangdao?
1. The urban built-up area in the harbor area does not include the Jin Meng Bay Business Tourism Resort. There are also Beidaihe District and Qinhuangdao Economic and Technological Development Zone West District, which implement the purchase restriction policy.
2. Households that are not registered in this Municipality and already own houses in the restricted areas of this Municipality are temporarily unable to purchase new commercial housing and second-hand housing. Non-local residents who can provide tax payment certificates or social insurance payment certificates for more than 6 months in this city are regarded as local residents when buying a house.
3. Real estate development enterprises and brokerage institutions cannot sell houses to the objects of purchase restriction. If it is illegal, the registration department shall not handle the registration formalities.
4, suspend the acceptance of housing provident fund loans in this city. For projects that have completed land supply, construction will start within a time limit. Severely crack down on malicious speculation, driving up house prices, disguised price increases, bundled sales and other illegal acts.
2. How to apply for a provident fund loan for the first suite in Qinhuangdao?
1. You need to fill in the application form for personal loan of housing provident fund in the bank and bring your ID card, household registration book and other valid identification documents.
2. To apply for the first housing provident fund loan, it is necessary to prove the income or other solvency of the borrower. Need to issue a purchase contract, a list of collateral, and a mortgage certificate agreed by the obligee.
Editor's summary: What are the policies for purchasing houses in Qinhuangdao? How to apply for provident fund loan for the first suite in Qinhuangdao? I believe everyone knows something after reading the article. I hope the above contents can bring you some help and suggestions. If you need more relevant information, please continue to follow us.
Qinhuangdao Provident Fund Balance Inquiry Method Provident Fund Extraction and Loan Process Steps
I believe that people living in Qinhuangdao are proud. This is a charming and famous port city. Now buying a house is indispensable to the emergence of provident fund, and so are friends living in Qinhuangdao. However, some friends still don't know the method of querying the balance of Qinhuangdao provident fund, and some basic information and processes of the provident fund management center. So let's take a look at it today:
Qinhuangdao provident fund inquiry method:
Method 1: Website query
Log in to official website, Qinhuangdao Provident Fund Management Center, enter your ID number and password, and you can log in to your personal provident fund account to learn about the information in the account.
Method 2: Telephone inquiry
Call the hotline 16893999, and enter the personal ID number according to the voice prompt to inquire about the personal account of the provident fund.
Method 3: SMS query
Mobile users: edit CX ID number G and send it to 1065853503 (balance inquiry); Edit CX ID number D and send it to 1065853503 (loan balance inquiry).
Unicom mobile phone users: send the ID number to 1062 10 1188, and reply according to the prompt (for the first inquiry, send GJJ to106210/kloc-
PHS mobile phone users: Send GJJ ID number (or personal provident fund account number) to 1065603578 for inquiry (each /0. 1 yuan).
Method 4: Inquire in the service hall.
Bring your ID card and other relevant documents to the service hall of Qinhuangdao Provident Fund Management Center and ask the staff for help.
Qinhuangdao Provident Fund Management Center Address Tel:
Address of Qinhuangdao Provident Fund Management Center: Hongqi Road 106, Haigang District, Qinhuangdao City
Qinhuangdao Provident Fund Management Center Tel: 3047 123030207
Qinhuangdao Provident Fund Management Center mailbox :qhdzfgjj@yahoo.cn
Qinhuangdao provident fund inquiry website:
Qinhuangdao provident fund withdrawal process:
1. Apply to the unit, and the unit will verify and issue a letter of proof and a housing provident fund withdrawal form;
2. Go through the examination and approval procedures at the housing provident fund management center with the unit certification letter and related materials;
3 by the management center issued the "housing provident fund withdrawal approval form" and the unit issued the "housing provident fund withdrawal form" to the designated bank.
Qinhuangdao provident fund loan process:
1. Go to the business department of the Housing Provident Fund Management Center for detailed consultation on the purchase type, loan granting object, loan amount and other related policies. , fill in the "Qinhuangdao Housing Provident Fund Loan Application Approval Form" and submit the application materials to the Housing Provident Fund Management Center.
2, provident fund management center department personnel to review and investigate the authenticity, legality and feasibility of all documents and materials submitted by the applicant.
3. After the approval, the housing provident fund management center will issue a notice of entrusted loan in triplicate, and the central accounting department will issue a notice of appropriation to the entrusted bank accordingly to allocate funds to the entrusted loan fund households.
4. The entrusted bank shall go through the formalities after receiving the notice of entrusted loan and the loan funds are in place.
5. After the loan contract comes into effect, the entrusted bank will transfer the funds to the deposit account opened by the developer in the entrusted bank, and the bank will transfer the remaining funds to the developer's settlement account after retaining 65,438+00% of the deposit.
6. The entrusted bank reports the loan progress and non-performing loan progress to the center every month, and the entrusted bank is responsible for the collection of the following three outstanding loans. Non-performing loans that are in arrears for more than three periods shall be handed over by the bank to the center at the beginning of the following month, and the center shall be responsible for collection.
7. After the borrower pays off the principal and interest of the loan, the guarantee is lifted and the loan contract is terminated. The center will return the relevant documents to the borrower.
Bian Xiao, the inquiry method of Qinhuangdao provident fund and other related information, is here to share with you, hoping to help you. For more information, please continue to pay attention to the decoration of Tuba Rabbit.
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"One person buys a house and the family provident fund helps" introduced new regulations.
The provident fund, which is closely related to the purchase of houses by thousands of households, has undergone new changes in many places recently. In addition to the "routine operation" to reduce the down payment ratio and increase the maximum amount in this round of property market adjustment, some new tricks and tricks have been introduced one after another.
"One person buys a house, and the whole family helps"
At the beginning of June, Zhuhai, one of the special economic zones in China, issued a work plan of "industry first" to give full play to housing provident fund support services. Among them, the policy of "one person buying a house to help the whole family" has aroused considerable concern.
Specifically, employees who have paid the provident fund in Zhuhai can withdraw 90% of the account balance to help their immediate family members (spouse, parents and children) pay the down payment, or they can withdraw the provident fund monthly to help their immediate family members (spouse, parents and children) repay the house purchase loan.
Some people think that this practice has the risk of "tying the whole family to the car" and is suspected of "encouraging the elderly". Some people think that this move is also conducive to making the provident fund play a greater role. Yan Yuejin, research director of the think tank center of Yiju Research Institute, pointed out that this time it is clear that the account amount of the provident fund is not the self-owned funds or savings of family members as previously understood.
"After the introduction of the new provident fund policy, buyers will soon come to consult. They feel very good, their parents have been restricted from buying, and the provident fund is idle in the account. If they don't spend it, they can only take it out after retirement, which is risky and quite wasteful. " A real estate agent in Zhuhai told the financial reporter of Zhongxin. com.
"There are people to consult. If the children have a house and the parents have no house, can they buy a house in the name of their parents? The details haven't come out yet, but it seems that the immediate family members are ok at present. We will remind you that if your parents are older, the mortgage term may be shorter. " The above real estate agent mentioned.
"This is also an innovation in the provident fund loan policy, which is innovative and exemplary. The orientation of the provident fund policy for supporting enterprises and employees in various places will be more clear. " Yan Yuejin believes.
The same idea was soon implemented in Ziyang, Sichuan. On June 6th, Ziyang issued the Notice on Policies and Measures for Promoting the Stable and Healthy Development of the Real Estate Market, proposing to implement intergenerational mutual assistance of provident fund families.
Specifically, paid employees can apply to withdraw their parents' or children's housing provident fund to pay for the purchase of houses within the administrative area of this Municipality; If the paid employees and their parents or children purchase self-occupied housing and apply for housing provident fund loans within the administrative area of this Municipality, they will not be restricted by the paid employees' share of the property rights of the housing they purchased.
In more places, the down payment ratio of provident fund to buy a house has dropped to 20%
Since February, "20% down payment" has appeared in the standard of commercial bank loans many times. With the gradual broadening and deepening of the policy pool, the down payment ratio of the provident fund has also ushered in an update.
On the 7th, Nanchang Housing Provident Fund Management Center of Jiangxi Province issued the Notice on Adjusting the Down Payment Ratio of Housing Provident Fund Loans in Our City, and paid employees' families to use housing provident fund loans to purchase the first ordinary housing (including commercial housing loans to housing provident fund loans), with the minimum down payment ratio adjusted from 30% to 20%.
On the same day, the Housing Provident Fund Management Center of Wenzhou City, Zhejiang Province issued the "Phased Support Policy for Housing Provident Fund", which clearly paid the first set of owner-occupied housing for employees' families to purchase, build, renovate and overhaul, and the minimum down payment ratio of housing provident fund loans was reduced to 20%.
On the 6th, the website of Xuzhou Housing Provident Fund Management Center issued the Notice on Implementing Phased Policies of Housing Provident Fund. For those who use the housing provident fund loan for the first time, the down payment ratio of new commercial housing will be adjusted from 30% to 20%, and the down payment ratio of second-hand housing will be adjusted from 40% to 30%.
On the same day, the Housing Provident Fund Management Center of Tangshan City, Hebei Province issued a document saying that if employees purchase the first and second sets of self-occupied houses, the minimum down payment ratio of housing provident fund loans will be adjusted from not less than 30% to not less than 20%.
Previously, Fuzhou, Fujian, xi, Shaanxi and Baotou, Inner Mongolia all reduced the minimum down payment ratio of provident fund loans to 20%.
According to the actual situation in various places, many places have also partially adjusted the maximum loan amount of provident fund.
For example, on the 7th, Shangqiu, Henan Province adjusted the single provident fund loan amount from 400,000 yuan to 500,000 yuan, and the husband and wife from 600,000 yuan to 700,000 yuan. Qinhuangdao, Hebei Province, proposed on the 6th that the upper limit of single-payment employee provident fund loans should be adjusted from 400,000 yuan to 600,000 yuan, and the upper limit of double-payment employee family loans should be adjusted from 600,000 yuan to 800,000 yuan.
There is also room for delaying the payment of provident fund and increasing the amount of rental.
On the 7th, Beijing Housing Provident Fund Management Center issued the Notice on Implementing Phased Support Policy for Housing Provident Fund, emphasizing that units affected by the epidemic can apply for deferred payment of provident fund, and depositors can rent houses to increase the withdrawal amount. This is also the main adjustment direction of the provident fund policy recently.
In terms of deferred payment of provident fund, Changsha, Hunan Province made it clear on the 7 th that enterprises with difficulties can apply for deferred payment of provident fund online, and the loan rights of employees with difficulties will not be affected; Wuzhou, Guangxi, issued a document on the 6th, saying that if the average monthly salary of employees in enterprises affected by the epidemic last year was lower than 70% of the average monthly salary of employees in Wuzhou last year, they can apply for deferring the housing provident fund for the period from June 2022 to 65438+February, and pay it back after the expiration.
"Delaying the payment of social security, including provident fund, and delaying the repayment of provident fund loans are aimed at stabilizing market players, stabilizing employment, boosting market confidence, and protecting private enterprises, low-and middle-income groups, and small and medium-sized enterprises." Li, chief researcher of the Housing Policy Research Center of Guangdong Provincial Planning Institute, said.
In terms of provident fund rental, Zhejiang Quzhou proposed on the 8 th to support depositors and their spouses to rent a house to withdraw the provident fund, up to 2,000 yuan/month; Released in Hangzhou, Zhejiang Province on the 6th, the depositor can withdraw the balance of the housing provident fund account on a monthly basis, and the withdrawal limit is determined according to the existing standards.
The release of such policies can be traced back to May 24, and the Ministry of Housing and Urban-Rural Development and other three departments issued notices, clarifying that all localities can increase the housing provident fund rental quota; Enterprises affected by the epidemic can apply for deferred payment of housing provident fund to guide the development of provident fund work in various places.
"In addition to the increase in the amount and the decrease in the down payment ratio, there is still more room for optimization of the housing provident fund policy, whether it is from enterprises or families, whether it is buying a house or renting a house." Yan Yuejin believes that this will help to further enrich and improve the content of the current housing finance policy, directly hit the market pain point, and give play to the policy effect of housing provident fund security, convenience and support.
Qinhuangdao: The maximum amount of provident fund loan is 800,000, and the down payment ratio of the second loan is 30%.
On June 6th, the Housing Provident Fund Management Center of Qinhuangdao City, Hebei Province issued the detailed rules for the implementation of "Several Policies and Measures on Stabilizing the Economic Operation of our City" by the municipal government.
According to the New Deal, Qinhuangdao raised the maximum loan amount, and the upper limit of the single employee loan amount was adjusted from 400,000 yuan to 600,000 yuan, and the upper limit of the double employee family loan amount was adjusted from 600,000 yuan to 800,000 yuan.
When using the housing provident fund loan to purchase self-occupied housing for two-star green buildings and ultra-low-energy buildings, the loan amount will be increased by 10% on the premise that the maximum loan amount of Qinhuangdao housing provident fund is not exceeded and the repayment ability meets the policy requirements.
At the same time, if Qinhuangdao reduces the down payment ratio of the second set of loans, pays off the depositor of the first individual housing provident fund loan, and applies for housing provident fund loans to buy self-occupied housing again, the minimum down payment ratio will be adjusted from not less than 60% to not less than 30%.
The New Deal also proposes that if Qinhuangdao City pays the full amount of employees to buy new self-occupied houses in this city, parents of both husband and wife can apply for withdrawing housing provident fund to support their children to buy houses (only once).
In terms of extending the control line of housing age for stock housing loans, the New Deal mentioned that the maximum housing age limit for those who purchase stock housing (second-hand housing) and apply for housing provident fund loans will be adjusted from no more than 25 years to no more than 30 years, and the sum of housing age and loan life will not exceed 45 years.
In order to increase the support for renting expenses, the New Deal proposed to increase the maximum amount of housing accumulation fund for renting commercial housing for families without housing. The main urban area (seaport area and western development zone) was adjusted from the original 1 10,000 yuan/year to1.20,000 yuan/year, and other districts and counties were adjusted from the original 8,000 yuan/year to 9,000 yuan/year.
In addition, the New Deal clearly implements a deferred payment policy for enterprises with operational difficulties. Enterprises with difficulties in production and operation affected by the COVID-19 epidemic may apply to the Municipal Housing Provident Fund Management Center for holdover according to regulations. Upon approval, the enterprise can postpone the payment of housing provident fund before the end of the year, and then repay it after the economic benefits improve. Employees of holdover enterprises can normally withdraw and apply for housing provident fund loans, which is not affected by holdover of enterprises.
Affected by the epidemic situation in COVID-19, families with difficulties in life can't repay the housing provident fund loans normally, and can apply for deferred repayment to the municipal housing provident fund management center in accordance with the regulations. Upon examination, it is confirmed that the loan will not be overdue and will not be submitted to the credit reporting department as an overdue record.
What is the policy of Qinhuangdao provident fund loan?
Legal analysis: 1. Loan amount calculated according to repayment ability.
The calculation formula of employee's own loan amount is:
[(total monthly salary of the borrower, monthly contribution of the borrower's housing provident fund) × repayment ability coefficient-total monthly repayment amount of the borrower's existing loan ]× loan term (month).
The calculation formula for the loan amount of both husband and wife is:
[(total monthly salary of husband and wife, monthly contribution of housing provident fund of husband and wife's work unit) × repayment ability coefficient-total monthly repayment amount of existing loans of husband and wife ]× loan term (month).
Among them, the repayment ability coefficient is 40%.
Total monthly salary = monthly contribution of provident fund ÷ (proportion of unit contribution and proportion of individual contribution).
2. The loan amount calculated according to the house price
The calculation formula is: loan amount = house price × loan ratio.
A. If the employees' families purchase their own houses, the loan amount shall not exceed 80% of the house price, and the down payment shall not be less than 20% of the house price.
B for the construction, renovation and overhaul of self-owned houses, the loan amount shall not exceed 70% of the expenses required for building and repairing houses, and the self-raised funds shall not be less than 30% of the expenses required for building and repairing houses.
When purchasing private housing, when the housing price is inconsistent with the assessed price, the lower of the two is the approved limit.
The purchase of directional resettlement affordable housing, the loan amount should not be higher than the difference between the total price of the purchased housing and the amount of compensation and resettlement.
3. The loan amount is calculated according to the balance of the housing provident fund account.
A. For the purchase of price-limited commercial housing or affordable housing, the loan amount shall not be higher than 20 times of the balance of the housing provident fund account when the employee applies for provident fund loans (if the spouse housing provident fund is used to apply for provident fund loans at the same time, it shall be the sum of the balance of the employee's and spouse's housing provident fund accounts, the same below). If the balance of the housing provident fund account is less than 20,000 yuan, it shall be calculated as 20,000 yuan.
B. If the first self-owned house is purchased by loan, the loan amount shall not be higher than 20 times the balance of the housing provident fund account when the employee applies for provident fund loan; if the balance of the housing provident fund account is less than 20,000 yuan, it shall be calculated as 20,000 yuan.
C the loan amount shall not be higher than 10 times the balance of the housing provident fund account when the employee applies for a loan. If the balance of the housing provident fund account is less than 20,000, it will be calculated as 20,000: the loan is used to purchase a second house; Purchase public housing; Construction, renovation or overhaul of self-owned housing on rural collective land.
Legal basis: Article 24 of the Regulations on the Management of Housing Provident Fund: In any of the following circumstances, employees may withdraw the storage balance in their housing provident fund accounts:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
(six) the rent exceeds the prescribed proportion of family wage income.
In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.
If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.