The down payment ratio of provident fund loans was lowered to 20%. In order to implement the provincial government's "Opinions on Promoting the Sustainable, Stable and Healthy Development of the Real Estate Industry" policy, and make full use of the housing provident fund to support the development of the real estate business. Provincial housing fund management issued the following provisions.
1, the loan amount is increased to 600,000 yuan, and employees who have paid the housing provident fund for six months or more normally, continuously and in full can apply for housing provident fund loans. The housing provident fund loan limit will be raised from 500,000 yuan to 600,000 yuan, and the housing provident fund loan limit for single employees will be raised from 400,000 yuan to 500,000 yuan.
2. The down payment ratio is reduced to 20%, and the down payment ratio of provincial housing provident fund loans is reduced from 30% to 20%. .
3. Increase the withdrawal amount of housing provident fund for buying houses. When employees pay the housing provident fund to buy a house (excluding second-hand houses) and withdraw the housing provident fund, they need to provide the down payment amount. This time, it is never less than 30% of the total house price. Reduce to not less than 20% of the total house price; , the withdrawal amount is the balance in the housing provident fund account and does not exceed the total purchase price.
The down payment is divided into four situations:
1. Take the first suite as an example. If you buy a new house with an area of not more than 90 square meters, the minimum down payment can reach 20%.
2. For the second suite, the minimum down payment for the purchase of real estate is 60%.
3. If you have three suites, the bank that needs a loan may not approve the loan according to the house price.
4. In other cases, the minimum down payment is 30%.
Moreover, it should be noted that different regions and different banks are expected to make some fluctuations on this basis according to local housing purchase policies, market conditions and other factors.
It is worth noting that the free repayment of provident fund not only gives borrowers the greatest autonomy, but also puts forward higher requirements for borrowers in terms of technical means, risk prevention and income realization. The monthly payment is basically decided by the borrower himself, which means that the overall interest payment is also decided by the borrower himself. Generally speaking, when the provident fund loan is repaid, the less prepayment, the more interest is paid; The more you prepay, the less interest you pay.
1. Free repayment means "daily repayment", that is, the loan date is the day of the month and the repayment date is the day of the month. If there is no corresponding repayment date in the current month, the repayment will be made on the last day of the current month. For example: 65438+1October 3 1 loan, with repayment on February 28th.
2. If the borrower accidentally loses the bank card or passbook used for repayment, then the borrower must bring the bank card or passbook of the same bank to the management department applying for the loan in time to handle the change procedures.
3. After the borrower pays off all the loans, he should go to the loan management department to get the proof of paying off all the loans.
legal ground
Regulations on the administration of housing provident fund
Article 2 These Regulations shall apply to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC).
The term "housing accumulation fund" as mentioned in these Regulations refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units and social organizations (hereinafter referred to as units) and their employees.
Twelfth housing provident fund management committee shall, in accordance with the relevant provisions of the People's Bank of China, designate a commercial bank entrusted with the financial business of housing provident fund (hereinafter referred to as the entrusted bank); The housing provident fund management center shall entrust the entrusted bank to handle financial services such as housing provident fund loans and settlement, as well as the establishment, deposit and return procedures of housing provident fund accounts. The housing provident fund management center shall sign an entrustment contract with the entrusted bank.
20% down payment for provident fund loan
The down payment of 20% is the buyer's first purchase, and the construction area of the purchased house is below 90 square meters (inclusive). The minimum down payment ratio of the loan is 20% of the total house price. In addition, if the construction area of the provident fund house is more than 90 square meters, the minimum down payment is more than 30%. The minimum down payment for the first home mortgage loan of a commercial bank is more than 30%. The minimum down payment for the second suite is 40%.
To participate in the housing provident fund system, in order to apply for a housing provident fund personal housing loan, the following conditions must also be met: that is, the housing provident fund has been continuously paid for at least 6 months before applying for the loan. If the employee's behavior of paying housing provident fund is abnormal, it will be intermittent, indicating that his income is unstable and he is prone to risks after issuing loans.
Matters needing attention in individual house purchase
Property buyers must first understand the ownership of the houses they buy. Houses with unclear or unfinished property rights must be treated with caution when buying, and it is best not to set foot in them.
The location and environment of the house directly affect the convenience of life and the profit of the house. At present, in some remote places, if the government plans to vigorously develop, there is a lot of room for appreciation. If you move there immediately, you'd better choose an area with high development, convenient transportation, good greening and complete living service facilities, and pay attention to some details of price calculation.
How much is the down payment for the first housing provident fund?
If you handle personal provident fund loan business in China Bank,
(1) The down payment ratio of the housing provident fund loan shall not be less than 20% for families who purchase the first set of self-occupied housing with a floor area of 90 square meters or less; For families who purchase the first set of self-occupied housing with a floor area of over 90 square meters, the down payment ratio of housing provident fund loans shall not be less than 30%.
(two) in order to improve the living conditions of the purchase of a second house, the loan down payment ratio is adjusted to not less than 50% for ordinary housing; For the purchase of non-ordinary housing, the down payment ratio of the loan shall be adjusted to not less than 70%.
Note: If the online signing time of the house purchase contract is before 2016165438+128 (inclusive), the original policy shall prevail. Because there are differences in policies and requirements for individual housing provident fund loans in housing provident fund management centers around the country, you need to consult the provident fund loan business outlets in detail or consult the local provident fund management center.
The above contents are for your reference. Please refer to the actual business regulations.
Anqing, Anhui: 20% down payment for the first set of provident fund loans for new houses.
According to the news from the Natural Resources and Planning Bureau of Anqing City, Anhui Province on June 7, Anqing City issued "Several Measures on Responding to the Impact of Epidemic Situation and Promoting the Healthy Development of Real Estate Industry" (hereinafter referred to as "Measures"), and proposed measures such as increasing the amount of provident fund loans and reducing the personal housing consumption burden1.
Increase the amount of provident fund loans
The "Measures" show that Anqing City will adjust its housing provident fund policy. If both husband and wife pay the housing provident fund, the maximum loan amount will be raised from 450,000 yuan to 500,000 yuan, and the unilateral payment will be raised from 350,000 yuan to 400,000 yuan.
Where you apply for housing provident fund loans for the first time to purchase new commercial housing within the administrative area of Anqing City, the minimum down payment ratio is 20% (the minimum for second-hand housing is 30%); The first loan has been paid off. If you apply for a housing provident fund loan for the second time to buy a new commodity house, the minimum down payment ratio is 30% (the minimum second-hand house is 40%), and the loan interest rate is 1. 1 times the benchmark interest rate of the housing provident fund loan.
The "Measures" show that enterprises affected by the epidemic can apply for deferred payment of the housing provident fund from June to June, 2022 to 65,438+February, and pay it back after the expiration. During the period, the paid employees normally withdraw and apply for housing provident fund loans, which are not affected by the holdover; If the depositor affected by the epidemic cannot repay the housing provident fund loan normally from June 1 day to February 1 day in 2022, it is not overdue and will not be submitted to the credit information department as an overdue record. Increase the maximum withdrawal amount of the public accumulation fund for leased commercial housing, which is limited to 1.200 yuan per household per month, and be withdrawn according to the actual rental expenses within the maximum amount.
Credit policy: reasonably postpone the repayment period of buyers and flexibly adjust the repayment plan.
The "Measures" propose to reduce the burden of personal housing consumption, guide financial institutions to increase the supply of personal housing mortgage loans, and better support the demand for rigid and improved housing. For people who have temporarily lost their income sources due to the epidemic, financial institutions distinguish between repayment ability and repayment willingness, and support their existing personal housing loans by reasonably delaying the repayment period and flexibly adjusting the repayment plan.
Encourage financial institutions to simplify the examination and approval materials, optimize the examination and approval process, and strive to complete the examination and approval within 2 working days with complete information, and lend money on the same day after filing. Encourage financial institutions to waive contract change fees and other fees, and bear the fees such as mortgage registration fees for individual housing loan customers and assessment fees for second-hand housing mortgage collateral.
Anqing City also offered loans to support enterprise projects. All financial institutions are not allowed to borrow, cut off or suppress loans for no reason, so as to ensure the orderly delivery of housing loans for real estate development enterprises, construction enterprises and individuals. Encourage financial institutions to support enterprises that are seriously affected by the epidemic and have difficulties in repayment due in accordance with the principles of marketization and rule of law, and submit credit records in accordance with the adjusted repayment arrangements. Guide financial institutions across the country to maintain reasonable credit growth of real estate development enterprises and ease the liquidity difficulties of market players.
Optimize the supervision of pre-sale funds of commercial housing
Anqing also proposed a number of support measures for housing enterprises.
Optimize the commercial-residential ratio of newly transferred plots. Allow the overall balance of the construction capacity of newly transferred commercial plots. At the same time, if the adjacent plots in the same plot newly sold are all for business purposes, the building capacity can be comprehensively balanced between the permitted plots according to the maximum total capacity area, and the planning and construction plan can be submitted for approval simultaneously.
At the same time, delayed delivery is allowed. Due to the epidemic situation, the delivery period of commercial housing projects under construction for sale that have not been delivered can be extended by 30 days, unless otherwise agreed by both parties. If real estate development enterprises encounter difficulties in stages, local governments and relevant departments should actively help enterprises solve practical difficulties in accordance with the principle of "one enterprise, one policy" while adhering to market rules.
The "Measures" show that Anqing City will explore the way of project acceptance by stages. Establish and improve the acceptance criteria, and try to complete and accept the unit projects that have met the use function as far as possible under the premise of meeting the planning permission. Sales of residential, commercial, office and other development projects, not in a Zhang Jianshe city planning permit corresponding to the land within the scope of multiple planning verification.
Adjust the image progress of the pre-sale permit in stages. Before 65438+February 3, 20221,the project handled the pre-sale permit for commercial housing for the first time, and the image progress requirements still implemented the original standards. Re-apply for the pre-sale permit of commercial housing. If the following conditions are met, the construction can be adjusted below plus or minus zero: 1. If the sales volume of pre-sold commercial housing approved by the same project reaches more than 50%, the filing data of commercial housing sales contract shall prevail; 2. In the process of project pre-sale, strictly implement the provisions on the deposit and use of pre-sale funds of commercial housing, and there is no violation; 3. The construction progress of the project is normal and the production has not been stopped. The image progress of the "double-limited room" pre-sale permit is still implemented according to the original standard.
Optimize the supervision of pre-sale funds of commercial housing. Adjust the flexibility and adaptability of the allocation and use of regulatory funds appropriately. Before 65438+February 3, 20221,the control standard of key supervision funds will be appropriately lowered and allocated according to the actual progress of the project. If the same group company has several development projects in Anqing City (including counties and cities), it can make overall use of supervision funds according to the principle of one city and one policy on the premise of ensuring the development and construction of this project and ensuring the delivery of buildings. After the supervision account of pre-sale funds of commercial housing is frozen by the people, if real estate development enterprises, creditors of commercial housing construction project funds, creditors of materials funds and creditors of leased equipment funds request to use the funds in the supervision account of pre-sale funds to pay the funds needed for project construction, such as construction progress funds, materials funds, equipment funds, etc., or if the purchaser applies for refund of the purchase price due to the cancellation of the purchase contract, the commercial bank shall pay in time with the approval of the housing construction department.
Can provident fund loans be 20% down payment? After the loan comes down, 10% will be paid.
Not necessarily. Look at the local provident fund loan policy. Can the provident fund loan be down payment of 20%?
1.
The down payment of 20% for provident fund loans requires the relevant policies of the local provident fund center.
2.
If the local provident fund loan can achieve a down payment of 20%, then customers can naturally apply for a down payment of 20% when they buy a house with a loan. However, the amount of provident fund loans is limited. For customers, only 20%
Let's stop here for the introduction of 20% down payment for provident fund loans.