1, adjust the maximum amount of individual housing provident fund loans. The maximum loan amount for employees with double deposits will be raised from 400,000 yuan to 500,000 yuan; The maximum loan amount for single-paying employees will be raised from 300,000 yuan to 400,000 yuan. 2. Adjust the down payment ratio of individual housing provident fund loans. If the depositor applies for a personal housing provident fund loan for the first time for purchasing commercial housing, affordable housing, housing built by the unit through fund-raising, housing converted from business to public, or housing traded again, and the construction area is below 144 square meters, the down payment ratio shall not be less than 20%; If the construction area is above 144 square meters, the down payment ratio shall not be less than 25%; If the depositor applies for a personal housing provident fund loan for the second time, and the construction area is below 144 square meters, the down payment ratio shall not be less than 25%; If the construction area is above 144 square meters, the down payment ratio shall not be less than 35%. 3, adjust the housing provident fund rental withdrawal amount. If employees who have no owner-occupied housing pay the rent of leased commercial housing, the withdrawal amount will be increased from 1 10,000 yuan per year to10.2 million yuan. 4. Adjust the time. The above adjustments shall be implemented as of the date of promulgation. Among them, the maximum amount of housing provident fund loans is adjusted to a phased policy, which will be dynamically adjusted according to the liquidity risk of funds. According to the decision of the People's Bank of China on September 30, 2022, since June 65438+ 10/day, the interest rate of the first individual housing provident fund loan in our city has been lowered by 0. 1 5 percentage point, and the interest rates for less than five years (including five years) and more than five years have been adjusted to 2.6% and 3./kloc respectively. The interest rate of the second set of personal housing provident fund loans remains unchanged, that is, the interest rates for less than 5 years (including 5 years) and more than 5 years are not less than 3.025% and 3.575% respectively. The staff of the Municipal Housing Provident Fund Management Center told the reporter: "Take the maximum loan amount of 400,000 yuan paid by the provident fund for 20 years as an example. After the interest rate is lowered, it will be less than 7,200 yuan per month in 30 yuan; Take the maximum loan amount of 500,000 yuan for employees who have paid the provident fund for 30 years as an example. After the interest rate adjustment, it is less than 40 yuan every month, and the total is less than14,700 yuan. " Legal basis: Measures for the Administration of Personal Housing Loan of Baoji Housing Provident Fund Article 2 These Measures are applicable to the administration of personal housing loan of housing provident fund within the administrative area of Baoji City. Third Baoji City Housing Provident Fund Management Committee (hereinafter referred to as the CMC) is responsible for the decision-making of individual housing loan policies and related major issues of the city housing provident fund; Baoji City Housing Provident Fund Management Center (hereinafter referred to as the Provident Fund Center) is responsible for the organization, implementation and daily management of the housing provident fund personal housing loan business in this Municipality; The management department of the provident fund center (hereinafter referred to as the management department) is responsible for handling specific business according to the authorization of the provident fund center. Article 4 Baoji housing provident fund personal housing loan (hereinafter referred to as provident fund loan) refers to the loan that the provident fund center entrusts a commercial bank (hereinafter referred to as the entrusted bank) to the employees who normally pay the housing provident fund for the purchase of ordinary self-occupied housing within the administrative area of this Municipality. Article 5 The provident fund center is the mortgagee; The borrower is the mortgagor; A real estate development enterprise or house selling unit with guarantee qualification is the guarantor; The entrusted bank is the lender. Loan amount: if both the borrower and the spouse pay, the maximum loan amount is 400,000 yuan; If the borrower repays unilaterally, the maximum loan amount is 300,000 yuan. 1. If the balance of the borrower's deposit account is small, the following criteria shall apply: account balance ≤0.5 million loan amount ≤10.5 million.