According to the Notice, the loan amount of Beijing Provident Fund is linked to the deposit period of the borrower's housing provident fund. For every deposit 1 year, you can borrow 1 ten thousand yuan. If the deposit period is less than 1 whole year, the maximum loan can be 1.2 million yuan.
According to the Notice, if the loan applicant is married, the loan amount shall be calculated by the spouse who has paid for it for a long time. If the loan application has been submitted or the online signing has been completed for this policy adjustment, it will still be implemented according to the policy before the adjustment.
According to the notice, the Beijing Provident Fund implements differentiated loan quotas. The loan applicant (including the same applicant, the same below) whose household registration is in Dongcheng District or Xicheng District of Beijing can purchase the first home outside Dongcheng District, Xicheng District, Chaoyang District, Haidian District, Fengtai District and Shijingshan District (hereinafter referred to as Chengliu District), and the maximum loan amount can be increased by 200,000 yuan; For those who do not belong to the former situation, but the loan applicant's household registration is in the sixth district of the city, buying the first house outside the sixth district of the city can increase the loan amount by up to 65,438+10,000 yuan;
For those who do not belong to the above two situations, the maximum loan amount for purchasing the first house is 6,543,800 yuan+0.2 million yuan. Meet the requirements of the second home loan policy, with a maximum loan amount of 600,000 yuan.
At the same time, Beijing's provident fund loan policy has been upgraded from "only recognizing housing" to "recognizing housing and recognizing loans". As long as there are loan records in the credit information system of the People's Bank of China, they are all identified as two sets.
According to the notice, if the loan applicant has no housing loan record (including commercial housing loans and housing provident fund personal housing loans) and has no housing in Beijing, it will be handled according to the first home loan policy;
Those who do not belong to the first suite and are approved as the second suite shall be handled according to the second suite loan policy. If there are two or more houses approved, no loans will be granted. According to the notice, the down payment ratio of provident fund loans has also been adjusted accordingly. Previously, the down payment ratio of provident fund loans was not less than 20%. After the introduction of the new policy, the down payment ratio for purchasing affordable housing shall not be less than 20%;
Purchase the first set of property housing and other policy housing, the down payment ratio shall not be less than 30%; The down payment ratio of the first set of ordinary self-occupied housing other than policy housing is not less than 35%, and the down payment ratio of the first set of non-ordinary self-occupied housing is not less than 40%. For the purchase of ordinary self-occupied housing and the second set of housing, the down payment ratio shall not be less than 60%;
If you buy a second set of non-ordinary housing, the down payment ratio shall not be less than 80%. It is understood that the identification standards of ordinary self-occupied housing and non-ordinary self-occupied housing are implemented in accordance with the "Notice on Adjusting the Average Transaction Price of Ordinary Housing with Preferential Tax Policies in this Municipality" jointly issued by the Beijing Municipal Commission of Housing and Urban-Rural Development, the Beijing Municipal Finance Bureau and the Beijing Municipal Local Taxation Bureau.
If there is any adjustment to the identification standards of ordinary self-occupied housing and non-ordinary self-occupied housing, the adjusted standards shall prevail.
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