I. Background setting
In order to give full play to the credit function of housing provident fund and support the reasonable housing demand of paid employees, the Hangzhou Housing Provident Fund Management Committee issued the Notice on Adjusting the Housing Provident Fund Loan Policy.
Second, the basis for formulation
1. Regulations of the State Council Municipality on the Administration of Housing Provident Fund
2. Regulations of Zhejiang Province on Housing Provident Fund
Third, the main content
(1) If employees' families have no housing, no housing loan records or commercial housing loan records, and the corresponding loans have been settled, they should apply for housing provident fund loans to purchase ordinary self-occupied housing in order to improve their living conditions, and implement the first suite policy, with the down payment ratio of the loans not less than 30%.
(2) If the employee owns 1 house under the family name, or has no house but has a housing provident fund loan record and the corresponding loan has been settled, the second-home policy shall be implemented, and the down payment ratio of the loan shall not be less than 40%.
(three) employees who have two or more sets of housing or housing provident fund loans under their family names are not allowed to apply for housing provident fund loans.
(4) The adjustment scope is to purchase ordinary self-occupied housing in Shangcheng District, Gongshu District, Xihu District, Binjiang District, Xiaoshan District, Yuhang District, Linping District, Qiantang District, Fuyang District and Lin 'an District.
Fourth, the implementation time of the document.
According to this document, the signing time of online sales contract shall prevail for newly-built commercial houses, and the signing time of online transfer contract shall prevail for second-hand houses.
Verb (short for verb) others
Other matters not covered shall be implemented in accordance with the relevant provisions of the municipal housing provident fund loan policy.