Wuxi's housing purchase policy is as follows:
1, the first set of housing, the original policy for 144 square meters above the tax rate of 3%, the new policy no longer divides the boundaries of 144 square meters, and uniformly stipulates that the tax rate of housing above 90 square meters is 1.5%. For the second set of improved housing, the original policy stipulated that the tax rate of 90 square meters and below was 3%, and the new policy was 1%. The original policy stipulated that the tax rate above 90 square meters was 3%, and the new policy was 2%.
2. The down payment for the second suite needs 4 floors, and the interest rate rises 10%. "If the loan of the first suite is paid off, the second suite can be counted as the first suite. The first home loan currently implements the benchmark interest rate. "
3. Newly purchased commercial housing (including newly-built commercial housing and second-hand housing) can only be transferred after obtaining the certificate of immovable property rights for 3 years. This means that the new house can only be traded after obtaining the real estate registration certificate for three years.
New Policy of Wuxi Provident Fund Loan 2022
According to the notice issued by Wuxi Housing Provident Fund Management Center on April 12, 2022, those who reduce the deposit ratio or apply for deferred payment of housing provident fund do not need to be overdue.
(1) Enterprises can reduce the contribution ratio of housing provident fund by themselves according to their own operating conditions, and the minimum contribution ratio can be reduced to 5% for units and 5% for employees. If an enterprise applies for holdover of housing provident fund, the holdover period shall not exceed 0.2 months from the date of examination and approval.
(2) Due to the epidemic situation, enterprises that failed to pay the housing provident fund in time before May 3, 20221day can be regarded as normal continuous payment after the unit pays the housing provident fund, which does not affect employees' application for provident fund loans. Before 3 1 May, 2022, if the housing provident fund loan cannot be repaid normally, after the unit explains the situation, it may not be overdue, and it will not be submitted to the credit information department as an overdue record to adjust the submitted loan.
The first and second sets of housing provident fund loans
It is reported that at present, the second-home provident fund loan in Wuxi is only for employees' families whose purchase area is less than 120 square meters when applying for the first-home provident fund loan, and the loan is only used to purchase ordinary self-occupied housing that improves living conditions. If the area of the first suite is above 120 square meters, the provident fund loan cannot be used again. In addition, the down payment ratio of the second-home provident fund loan shall not be less than 50%, and the loan interest rate shall be 1. 1 times of the first-home provident fund loan interest rate in the same period.
The second and third sets of housing provident fund loans
According to the regulations of Wuxi Housing Provident Fund Center, at present, all the three-suite provident fund loans in the city will be suspended.
The standard for determining the object of Wuxi housing provident fund loan is "recognizing the house and recognizing the loan". "House" refers to the house under the name of the employee's family (including husband and wife and minor children, the same below) registered in the real estate registration center (including Jiangyin and Yixing); "Loan" refers to the housing provident fund loan. "The first set of self-occupied housing" refers to the self-occupied housing purchased under the name of the employee's family without housing provident fund loan records and without housing in this city.
Legal basis: "Regulations on the Management of Housing Provident Fund" The municipalities directly under the central government, the cities where the people's governments of provinces and autonomous regions are located and other cities with districts (prefectures and leagues) should set up housing provident fund management centers to be responsible for the management and operation of housing provident fund according to the principle of simplification and efficiency. County (city) does not set up housing provident fund management center. The housing provident fund management center specified in the preceding paragraph may set up branches in counties (cities) where conditions permit. The housing provident fund management center and its branches shall implement unified rules and regulations and conduct unified accounting.
How to use provident fund loans
How to use provident fund loans, refer to Wuxi.
0 1, provident fund housing loan
Application conditions:
1. The loan applicant paid the housing provident fund to our center on time, in full and continuously within six months before the month of loan application, and did not owe the housing provident fund two years before the month of loan application;
2. The housing purchased by the loan applicant is self-occupied ordinary housing;
3. The loan applicant is the owner of the purchased owner-occupied house or the owner of the house (that is, the buyer on the purchase contract filed by the real estate management department);
4, a stable source of economic income and the ability to repay the principal and interest on time;
5. Provide the guarantee company recognized by the Center as repayment guarantee or the securities recognized by the bank as pledge;
6. Both husband and wife of the loan applicant shall not have outstanding provident fund loans.
Handling materials:
Both the husband and wife of the loan applicant and the owner of the house purchased must go through the relevant formalities of provident fund loan on the spot and provide the following information (original) according to the purchase situation:
(a) the purchase of local commercial housing and affordable housing:
1. Identity cards and household registration books of both husband and wife of the loan applicant and the owner of the house purchased (if the loan applicant or the owner of the house purchased is single, only personal materials are required);
2. Proof of marital status (if the loan applicant or the owner of the house purchased is single, a declaration of marital status must be filled out on the spot, and if he is single due to divorce or widowhood, a valid proof of divorce or widowhood must be submitted separately);
3 real estate management departments for the record of the purchase contract;
4. Purchase invoices;
5, low-income families to buy affordable housing, housing security departments should provide the "Wuxi affordable housing approval form";
6. Wuxi Housing Provident Fund Personal Housing Loan Housing Loan Application Form (filled in on the spot);
7. Letter of commitment on the proportion of the borrower's property rights (filled in on the spot);
8. Form of Individual Housing Loan Applicants and Family Members of Wuxi Housing Provident Fund (to be filled in on the spot).
(2) Purchase of local stock houses:
1. Identity cards and household registration books of both husband and wife of the loan applicant and the owner of the house purchased (if the loan applicant or the owner of the house purchased is single, only personal materials are required);
2. Proof of marital status (if the loan applicant or the owner of the house purchased is single, a declaration of marital status must be filled out on the spot, and if he is single due to divorce or widowhood, a valid proof of divorce or widowhood must be submitted separately);
3, the real estate management department for the record of the stock room sales contract;
4. The seller's immovable property certificate (or house ownership certificate, house ownership certificate and state-owned land use certificate);
5. Proof of paid house payment;
6. Wuxi Housing Provident Fund Personal Housing Loan Housing Loan Application Form (filled in on the spot);
7. Letter of commitment on the proportion of the borrower's property rights (filled in on the spot);
8. Form of Individual Housing Loan Applicants and Family Members of Wuxi Housing Provident Fund (to be filled in on the spot).
note:
1. If the building area of the purchased house is less than 90 square meters (inclusive) and the purchased house is the first suite, the Property Ownership Registration Information issued by the center after unified file search (Jiangyin Sub-center and Yixing Sub-center are issued by the local real estate management department) shall be submitted.
2. If the spouse of the loan applicant is an active serviceman, he/she shall provide the military officer's certificate and the original certificate of active serviceman issued by the political department of the army, the military affairs department or the organization and personnel department.
3. When employees who have paid in the administrative area of this Municipality (including Jiangyin and Yixing) apply for housing provident fund loans, they can provide the original detailed list of housing provident fund deposits issued by the housing provident fund management center of the transferred city and stamped with the official seal or professional seal (if they have not paid for 36 months, they should all be provided) (if both husband and wife have moved to other places, they must be provided).
4. From June 65438+1October 65438+1October 5, 2020, the interest rate of the second set of housing provident fund personal housing loan for employees' families will be 1. 1 times the interest rate of the first set of housing provident fund personal housing loan for the same period. The number of employee family self-occupied housing units is determined according to the loan information records of borrowers and their spouses in the housing provident fund management system of our city.
5. The second loan application can only be handled again in the next month after the first loan is paid off.
6. Other materials required by the Center shall be provided if the employee's family has other circumstances.
What are the housing loan policies in Wuxi?
As a city in the south of the Yangtze River, Wuxi has a relatively developed economy and a very good living environment, so many people choose to buy a house here. Nowadays, few people buy a house in full, often applying for a loan. What is the housing loan policy in Wuxi? Then let's take a look at the following!
The policy mainly requires provident fund loans. When buying a house in the urban area, the down payment of the first provident fund loan should be no less than 20% of the total house price. The down payment for the second use of provident fund loans shall not be less than 40% of the total house price, and the lender must meet the requirements that the provident fund has been paid for half a year or more before the application.
If you buy a house with a provident fund loan, no matter how big the first house is, the down payment shall not be less than 20% of the total house price. Before the policy is adjusted, the use of provident fund loans will often limit the housing area. Among them, the minimum down payment for a house within 90 square meters is only 20% of the total house price, and the minimum down payment for an area above 90 square meters is 30% of the total house price. In addition, the number of housing units is also limited. The down payment of the second suite will be higher than that of the first suite, like the existing property under the name, but in order to improve the living, the provident fund is used to buy a house, and the minimum down payment is 30% of the total house price. The size of the loan interest rate depends on the number of housing units, and the interest rate of the first suite is relatively low, so the pressure on lenders will not be so great.
Before using the provident fund loan, it is necessary to pay the provident fund for half a year continuously in the urban area, and there is no problem of default within 24 months before the application. If the applicant transfers the provident fund from other places, it must have been deposited continuously for 6 months before, and deposited the provident fund in this place for 1 month or more.
Among them, the application for provident fund loans should meet these conditions: first, the purchased property is an ordinary residence; Second, the applicant is the owner of the property; Third, the job is relatively fixed and there is a stable income; Fourth, it has good credit information and good repayment ability; Fifth, there is collateral; Sixth, if you have applied for a provident fund loan before, you must pay it off.
I hope the above answers are helpful to you.
How to calculate the interest rate of Wuxi first home provident fund loan?
The current interest rate of provident fund loans was adjusted and implemented on 20 15, 15124 October. The annual interest rate of provident fund loans for more than five years is 3.25%, and the annual interest rate of provident fund loans for five years and less is 2.75%, which is consistent throughout the country.
Provident fund loans refer to loans enjoyed by employees who pay housing provident fund. According to national regulations, all employees who have paid housing provident fund can apply for individual housing provident fund loans according to the relevant provisions of provident fund loans.
What conditions do individual housing provident fund loans need to meet? The main contents are as follows:
1. The borrower has full capacity for civil conduct;
2. Have the official residence or valid residence status in this city;
3. Have stable economic income, good credit and the ability to repay the principal and interest of the loan;
4. The housing provident fund shall be paid normally before the loan, and it shall be paid continuously for more than half a year;
5, can provide a valid contract or agreement for the purchase of owner-occupied housing;
6. In the purchase contract, the borrower and the purchaser must be consistent, and the person who purchases the property right (except the spouse) must issue a written commitment to agree to the mortgage of the house;
7, with not less than 30% of the purchase value of owner-occupied housing (second-hand housing more than 40%) of its own funds;
8. The borrower agrees to handle housing mortgage loan and insurance;
9, the purchase of commercial housing, developers should provide phased guarantee and report the relevant credit materials;
10. The borrower agrees to open a personal account with the loan undertaking bank, and agrees that the loan undertaking bank directly deducts the loan principal and interest from the account every month.
Let's stop here for the introduction of the first housing provident fund loan in Wuxi.