On September 20th, according to the official account of WeChat published by Yinchuan, Yinchuan Provident Fund in Ningxia Autonomous Region will usher in new adjustments and trials, including "one family buying a house". When employees buy a house from their own homes, they can withdraw their immediate family housing provident fund to pay the purchase price, and when they repay their own housing loans, they can withdraw their immediate family housing provident fund to repay the loan principal and interest.
In order to reduce the pressure on employees to buy houses, many places have introduced the measure of "one person buying a house to help the whole family", and Yinchuan's new provident fund policy also involves this aspect. According to the news released by Yinchuan, the specific content of this policy is that employees and their spouses' immediate family members (parents, children) purchase self-occupied housing outside the district (including cities and counties in the district), and the balance paid in the employee's and spouse's housing provident fund account can be used to pay for the immediate family members' purchase, and the accumulated withdrawal amount shall not exceed the total price of the purchased housing. In addition, employees can withdraw the housing provident fund to repay the principal and interest of their immediate family members' self-occupied housing loans outside the district (including cities and counties in the district).
It is worth noting that within the maximum loan limit, the loanable amount of housing provident fund loans is increased from 20 times to 25 times of the balance of employee housing provident fund accounts; Within the maximum loan limit, the loanable amount of employees' family housing provident fund loans will be increased from 20 times to 25 times of the sum of the balance of employees' husband and wife housing provident fund accounts.
Judging from the specific loan amount, the maximum loan amount for employees to purchase self-occupied housing and use housing provident fund loans is 600,000 yuan; If both husband and wife normally deposit the housing provident fund, the maximum loan amount for the employee's family housing provident fund will be increased from 700,000 yuan to 800,000 yuan.
In addition, the new policy intends to extend the access period of housing provident fund loans for re-traded housing (second-hand housing). When employees buy re-traded housing (second-hand housing) and use housing provident fund loans, they are required to extend the service life of housing from 20 years to no more than 25 years.
Yinchuan: Apply for provident fund loan again after the first settlement, and the minimum down payment ratio will be adjusted to 30%.
On April 20th, according to Yinchuan Release, Yinchuan's housing provident fund policy will be adjusted from now on to encourage employees to use the provident fund and reduce their burden of buying houses.
After the policy adjustment, if the loan applicant (including the same applicant) has no record of housing provident fund personal housing loan nationwide, the application for housing provident fund personal housing loan shall be implemented according to the first home loan policy.
For loan applicants (including the same applicant) who have a record of housing provident fund personal housing loan in the National Housing Provident Fund Management Center and have settled, the application for housing provident fund personal housing loan shall be implemented according to the second home loan policy.
The New Deal makes it clear that loan applicants (including the same applicant) who use the housing provident fund twice will not be accepted.
At the same time, the New Deal makes it clear that the minimum down payment ratio is adjusted to 30% for individuals who have used the housing provident fund and have settled their housing loans, and for those who apply for the housing provident fund again to purchase new self-occupied housing loans in Yinchuan area in order to improve their living conditions.
For the purchase of commercial housing (second-hand housing), the minimum down payment ratio shall be adjusted to 40%, and the loan interest rate shall be 1. 1 times of the benchmark interest rate of individual housing loan of housing accumulation fund in the same period.
The maximum loan amount is adjusted to 700,000 yuan if the main loan applicant normally deposits the housing provident fund in Yinchuan Center and the spouse normally deposits the housing provident fund outside Ningxia District.
If the employee loan applicant and both spouses normally deposit the housing provident fund, the maximum loan amount will be adjusted to 700,000 yuan. Other off-site loan application conditions shall be implemented according to the original policy.
How much can Ningxia provident fund loan 1 10,000 yuan be loaned?
The provisions of Yinchuan provident fund loan in Ningxia are: the minimum balance of provident fund account is 1 10,000, and now it is 1:20, 1 10,000, and the maximum loan is 200,000.
The maximum loan amount of Yinchuan provident fund is raised to 800,000, which is helpful for citizens to buy houses?
The maximum loan amount of Yinchuan provident fund is raised to 800,000, which is helpful for citizens to buy houses? When everyone saw the news about the provident fund increasing the loan amount, very excited netizens said in the comment area that such behavior can alleviate the economic pressure of many people and enable many people to buy a house. This is a very good thing for most property buyers, and it is also a very meaningful thing, because the economic environment has been very bad in recent years, and many people are under great economic pressure, but it is also a terrible thing to have no house, so this policy can make many people afford to buy a house.
At the same time, the increase in the amount of provident fund loans indirectly promoted the development of the whole real estate industry, so it also benefited the real estate industry to some extent. Although the implementation of the quality inspection policy can not promote the qualitative leap of the real estate industry, I think it can still play a very good role in helping to a certain extent, especially for the quality of life of citizens, so that many people have their own houses to live in and alleviate the housing anxiety of many people.
Of course, everyone needs a reasonable arrangement behind this matter. If your economic strength permits, you can use these policies to buy a house quickly and solve the housing problem. If their financial strength is still difficult, then don't buy a house blindly, because after buying a house, they will face the pressure of repaying the loan. If their financial strength is tight, it will be dangerous not to repay the loan later. If the loan is not repaid for a long time, the house will become a legal auction house. It is very difficult for many people at this time. I hope you can make arrangements according to your actual situation and don't blindly follow suit.
Buy a house by one person and help the whole family! The maximum loan amount of Yinchuan provident fund has been raised to 800,000 yuan. What is the positive impact of this move?
Yinchuan provident fund loan introduced the policy of one person buying a house and helping the whole family. A child in the family can use his parents' provident fund loan to buy a house, and the maximum amount is raised to 800,000, which liberates some future income. On the other hand, it also overdraws the future income, which is really helpful for those rigid property buyers.
There are two kinds of people who buy houses in the market. One kind of people buy a house to improve their lives, and the other is a rigid house. He can only rent this house, but he doesn't have his own house. Such people must buy it. Not to mention, has the price of this house dropped? Is this policy really relative to the cost of buying a house? It reduces the difficulty of buying a house. You're sure of that. Then this is a good change, because even if we don't lower the threshold for buying houses, it will have a little impact on real estate developers, but it will have a greater impact on those rigid buyers.
Because rigid property buyers mean that he must own a house of his own, whether for marriage or to meet the housing needs, he has the necessity to buy a house. He wants to buy it, but his money is limited now. I still have a little balance in my provident fund account, and my parents still have some, but my parents have already bought a house and are not eligible for withdrawal. I can't take the money out. Parents' provident fund accounts can also provide some help for their children to buy a house, so this will reduce the difficulty of buying a house for rigid buyers. It is easier to buy a house with the same cash.
Stimulating the development of the local real estate market is also helpful to stimulate the local economic development, because the economy in many places is inseparable from the development of real estate. For those who need to buy a house urgently, it also reduces the difficulty of buying a house, which is a good thing. It should be said that it is impossible to expect house prices to drop rapidly in a short time. The ideal is beautiful. We expect house prices to really go down and effectively reduce the cost of buying a house, but that is very difficult, basically not as much as we thought, and it is useless.
The introduction of Yinchuan provident fund loan amount ends here.