Ganzhou, Jiangxi released three policies on housing provident fund in one day

According to the news of Ganzhou Housing Provident Fund Management Center, Ganzhou, Jiangxi released the Notice on Raising the Maximum Loan Amount of Housing Provident Fund for Workers' Families with Three Children Born according to Law on August 26th (hereinafter referred to as the Notice).

according to the notice, since September 1st, the maximum loan amount will be increased by 2, yuan on the basis of the current policy, that is, the maximum loan amount will be increased by 6, yuan for families of employees (husband and wife) who are legally paid with housing provident fund loans and have three children to purchase (build) their own houses in Ganzhou. The maximum amount of housing provident fund loans for single-paid employees (husband and wife) who have given birth to three children according to law to purchase (build) self-occupied housing in the central city will be raised from 5, yuan to 7, yuan, and in other counties (cities) from 4, yuan to 6, yuan.

On the same day, in order to further meet the fund demand of employees for purchasing second-hand houses, reduce the pressure on employees to repay loans, promote the benign cycle and stable development of the second-hand housing market, and support employees' housing consumption, Ganzhou City issued the Notice on Opening the Personal Housing Provident Fund Portfolio Loan Business for Second-hand Houses.

It is stipulated in the notice that the service life of the house plus the loanable period of the loan shall not exceed 4 years, and the longest loan period shall be 3 years. The loan period of the provident fund loan and the commercial housing loan must be the same. The cooperative banks are six entrusted banks for housing provident fund loans: China Construction Bank, Industrial and Commercial Bank of China, Agricultural Bank, China Bank, Ganzhou Bank and China Merchants Bank.

In addition, on 26th, Ganzhou also issued the Notice on Carrying out Mutual Recognition and Mutual Loan Business with Housing Provident Funds Deposited in Different Places in Some Cities of Hunan Province. Since September 1st, on the basis of the existing mutual recognition and mutual loan of housing provident funds deposited in different places in the province, the number of housing provident funds deposited in different places in Changsha, Zhuzhou, Xiangtan, Yueyang, Chenzhou and provincial units in Hunan Province has been increased, that is, housing provident fund depositors in five cities, including Changsha, Hunan, have purchased houses in Ganzhou. If paid employees in Ganzhou purchase houses in five cities including Changsha, Hunan, they can apply for withdrawing the balance of individual housing provident fund account according to Ganzhou housing provident fund withdrawal policy.

Notice on Adjustment of Down Payment Ratio of Jiangxi Provident Fund Loan in p>p>222

_ Notice on Lowering Down Payment Ratio of Housing Provident Fund Loan:

Employees paid in provincial units:

In order to further play the guarantee role of housing provident fund system and effectively meet the basic housing needs of employees paid in provincial units, Nanchang Housing Provident Fund Management Committee decided to lower down the down payment ratio of housing provident fund loans. The details are as follows:

The paid-in employees' families use the housing provident fund loan to purchase the first ordinary house (including commercial housing loan to housing provident fund loan), and the minimum down payment ratio is adjusted from 3% to 2%; When buying two sets of ordinary housing (including commercial housing loans to housing provident fund loans), the minimum down payment ratio will be adjusted from 4% to 3%, and the interest rate will remain unchanged at 1%.

the execution time shall be from June 7, 222 (inclusive), and the filing time of the purchase contract shall prevail for commercial houses, the time specified in the deed tax payment certificate for stock houses, and the acceptance time for commercial housing loans to housing provident fund loans.

Jiangxi Provincial Housing Provident Fund Management Center

June 7, 222

Notice on Adjusting the Down Payment Ratio of Nanchang Housing Provident Fund Loans

_ Notice on Adjusting the Down Payment Ratio of Nanchang Housing Provident Fund Loans:

In order to give full play to the housing guarantee function of housing provident fund and meet the reasonable housing demand of the majority of paid employees, with the approval of Nanchang Housing Provident Fund Management Committee, The down payment ratio of housing provident fund loans in our city is adjusted as follows:

The minimum down payment ratio is adjusted from 3% to 2% for the first ordinary housing (including commercial housing loans to housing provident fund loans) purchased by the paid employees' families with housing provident fund loans; When buying two sets of ordinary housing (including commercial housing loans to housing provident fund loans), the minimum down payment ratio will be adjusted from 4% to 3%, and the interest rate will remain unchanged at 1%.

the execution time shall be from June 7, 222 (inclusive), and the filing time of the purchase contract shall prevail for commercial houses, the time specified in the deed tax payment certificate for stock houses, and the time of acceptance for commercial transfer to public businesses.

Nanchang Housing Provident Fund Management Center

June 7, 222

Jiangxi Provident Fund Loan Interest Rate 222 Latest Interest Rate

Jiangxi Housing Provident Fund Loan Interest Rate was released on March 18, 222, and the new housing provident fund loan interest rate was 7.2 times the benchmark interest rate. The preferential interest rate has not changed and is still 4.7 times of the benchmark interest rate. This means that after March 18, 222, the interest rate of housing provident fund loans obtained by property buyers in Jiangxi Province is 5.95%, accounting for .95% lower than the benchmark interest rate of 7% of banks; The preferential interest rate is 3.635%, which is also lower than .635% of the bank's benchmark interest rate of 7%. In addition, according to the requirements of Jiangxi Provident Fund Management Center, after March 18, 222, property buyers in Jiangxi Province can enjoy a higher validity period and enjoy preferential rates. The validity period will be calculated on an annual basis from January 1, 218.

Gao 'an, Jiangxi: The down payment ratio of provident fund loans is 2%

On May 17th, the government of Gao 'an, Jiangxi Province issued the Notice on 48 policies and measures to further promote high-quality leap-forward development in five major areas. The measures related to real estate policy mentioned that the housing provident fund loan policy should be adjusted; Subsidies for the purchase of the first set of first-hand commercial housing in Gao' an will be implemented.

specifically, if employees (including families) use the housing provident fund to purchase the first home for the first time, the down payment ratio will be adjusted to 2%. For double-paid employee families (both husband and wife have paid housing provident fund for 6 months), the maximum loan amount is adjusted from 6, yuan to 8, yuan. The maximum loan amount for a single employee family (one of the husband and wife has continuously paid the housing provident fund for 6 months) is 6, yuan.

At the same time, housing subsidies will be implemented for those who purchase the first first-hand commercial housing in Gao 'an, and the housing subsidies will be paid to the buyers in a lump sum in the form of money. The subsidy standard is as follows: 2 yuan/m2 for full-time doctoral students, full-time senior professional titles and senior technicians, 15 yuan/m2 for full-time master students, associate senior professional titles and technicians, and 12 yuan/m2 for full-time undergraduate students, intermediate professional titles and senior technicians. The policy time limit is from May 1, 222 to December 31, 222, and the individual application time is until March 1, 223.

The New Deal also mentioned that 2% of the initial land transfer price will be paid as a bid bond for newly transferred land projects (subject to the time when the land transfer announcement is issued). After the land transfer contract is signed, not less than 5% of the land transaction price will be paid within one month, and the remaining land transaction price will be paid within three months and the corresponding interest will be paid according to the bank's loan interest for the same period. The policy period is from May 1, 222 to December 31, 222.

for real estate development projects that have implemented the supervision of pre-sale funds of commercial housing, according to the enterprise credit and the actual progress of project construction, the proportion of supervision funds is adjusted to 6%. After the project has been completed for filing and the supporting facilities have been completed for acceptance, the proportion of supervision funds is adjusted to 3%, and the proportion of supervision funds is adjusted to 2% after the project is handed over for acceptance. After the real estate right is completed, the supervision fund account is released to alleviate the pressure on the working capital of enterprises. The policy period is from May 1, 222 to December 31, 222.

In addition, for the bid bond, performance bond and project quality bond in the real estate field, bank guarantee, insurance guarantee and electronic guarantee are vigorously promoted to replace cash deposits, and they are encouraged to be issued in Gao 'an state-owned banks and state-owned insurance enterprises, so as to effectively reduce the cash pressure of enterprises.

This is the end of the introduction of the provident fund loan policy and the provisions of the provident fund loan policy in Jiangxi Province. Did you find the information you need?