In Hengyang City, if employees or couples normally pay housing provident fund and apply for housing provident fund loans to buy ordinary self-occupied houses, the maximum loan amount will be adjusted from 500,000 yuan to 600,000 yuan. Workers' families who meet the national birth policy and the same couple gave birth to three children after May 3 1 20265438 (inclusive) can apply for housing provident fund loans by purchasing ordinary family-occupied housing, with the maximum loan amount of 800,000 yuan.
In addition, Hengyang gives special support to the introduction of talents to use the housing provident fund. For high-level talents (A, B, C, D, E), professional and technical talents with full and senior titles and doctoral students introduced from Hengyang City, the maximum loan amount is 6,543,800 yuan. For talents introduced in other forms and enjoying government subsidies, the maximum loan amount is 800,000 yuan. Hengyang also supports the above-mentioned talents from the following aspects:
1. If the deposit has been made in the original deposit place for more than six months (inclusive), the application for housing provident fund loan is not limited by Hengyang deposit time, but the deposit situation in the original deposit place needs to be verified.
2. For talents who come to Hengyang from other places for employment and whose families have no self-occupied housing within the administrative area of Hengyang City, the application for housing provident fund loans can be implemented according to the first suite policy.
3. For talents who have introduced foreign household registration and are employed in Hengyang, they can purchase the first set of family-occupied housing in the administrative area of Hengyang City. If parents pay Hengyang housing provident fund for employees, they can withdraw their own and spouse housing provident fund and their parents' housing provident fund.
The relevant person in charge of Hengyang Housing Provident Fund Management Center said that the maximum loan amount was raised from 500,000 yuan to 600,000 yuan, which was adjusted according to the changes in national macro policies and the needs of social development. Mainly based on the following two considerations: First, meet the demand for improved housing. In practice, we found that the loan amount of 500,000 can basically meet the rigid housing demand, but the improved housing demand and the housing demand of two-child families can not be fully met. According to the latest adjustment of the central government to the real estate market, in order to support the demand for improved housing, the maximum loan amount has been raised to 600,000 yuan. The second is to boost confidence in the real estate market. Through the adjustment of the maximum loan amount, we will actively play the role of housing provident fund, promote the positive release of reasonable demand, stabilize the relationship between supply and demand in the real estate market, and reduce the financial risks in the real estate market.
According to the data of Shell Housing Network, the average price of commercial housing in Hengyang is about 5459 yuan/square meter. According to the data of Hengyang Real Estate Information Network, in April 2022, the average price of new commercial housing in Hengyang was 5553 yuan/square meter, down 2.2% from March.
The person in charge said that in order to give full play to the housing security function of the housing provident fund and support the rigid housing needs of three-child families in the implementation of the national three-child birth policy, Hengyang raised the maximum loan amount for three-child families to 800,000 yuan. The reason why it is adjusted to 800,000 yuan is because the demand for housing area for three-child families is relatively large. According to the current average house price in Hengyang, after the minimum down payment is 20%-30%, the loan amount of 800,000 can fully meet the housing fund demand of three-child families, so that three-child families basically have no housing fund pressure.
In terms of relaxing employees' use of housing provident fund to buy a second set of self-occupied housing, (1) employees can apply for loans after buying a second set of self-occupied housing for their families. If the first suite and the second suite still need to apply for housing provident fund loans (including portfolio loans) after applying for housing provident fund loans, they should complete the housing extraction business before applying for housing provident fund loans, and may not apply for housing extraction after applying for loans. (II) Employees who purchase a second family-occupied house and have already gone through the house purchase withdrawal can also apply for annual withdrawal of housing provident fund for repayment of loans from commercial banks or housing provident fund in different places, as well as the final payment when the loan is settled. (3) The annual withdrawal (repayment) of housing provident fund is limited to the total monthly repayment of housing loans from commercial banks or housing provident fund in different places for nearly 65,438+02 months, excluding other one-time cash repayments.
Hengyang also shortened the processing time of personal loans, applied for existing home loans, and settled them on the spot; After applying for faster loan business, it will be shortened to 5 working days after the real estate registration certificate is in place; Accelerate the progress of mortgage loans: (1) If the projects of real estate development enterprises meet the requirements specified by the Center, the progress of housing image can reach more than one third, and priority can be given to access; (two) for high-quality development projects with good corporate reputation, good capital operation and good performance during the cooperation with the center, loans can be signed when the housing image progress reaches more than half; (three) other projects, housing image progress reached more than three quarters, you can sign a loan; (4) For projects with risks such as land mortgage, mortgage of projects under construction, bad credit, etc., under the condition that the risks are controllable, the enterprise commitment will be implemented, and the loan will be signed after the main project is capped.