What is the housing provident fund loan situation in Changzhou? Is there any change in the loan policy that everyone is particularly concerned about? When can the intermediate loan fee come down? The municipal provident fund center said that Changzhou has not received the official documents yet, and is studying the implementation methods first, and will implement them as soon as it receives the notice from the relevant provincial departments.
Focus 1: the second suite can enjoy provident fund loans.
Pay off the provident fund loan for the first suite, and you can apply for a loan again if you buy a second suite in Changzhou.
The New Deal proposes that the housing provident fund loan target is the paid employees who purchase the first set of self-occupied housing or the second set of improved ordinary self-occupied housing.
Situation in Changzhou: There will be no change in the current criteria for determining the first and second suites of provident fund loans in Changzhou. To put it simply, Changzhou provident fund loan is recognized at present, and residents can apply for provident fund loan again as long as they also invite the provident fund loan for the first suite. However, paid workers' families who purchase the third and above houses cannot apply for provident fund loans.
Focus 2: You can apply for provident fund loans when buying a house in a different place.
How to implement Changzhou depends on the situation, and there is no clear opinion at present.
Nowadays, many people have great job mobility and have paid the provident fund in the employment city, but because of the high housing prices in big cities, they plan to go back to their hometown to buy a house. A friend of the reporter encountered this problem. He has worked in the construction industry in Shanghai for five years, and now he wants to go back to Changzhou to buy a house and help his parents improve the environment. The money he paid was wasted.
Therefore, the New Deal requires all localities to realize mutual recognition and transfer of housing provident fund deposits in different places, so that they can apply for loans from the housing provident fund management center where their household registration is located with the deposit certificate issued by the housing provident fund management center in their place of employment.
Situation in Changzhou: The relevant person in charge of the Municipal Housing Provident Fund Center said that the policy is mainly aimed at cities with loan issuance rate below 85%. In order to improve the utilization rate of provident fund, it can also play a certain role in promoting property market transactions. When and how to implement it depends on the situation. At present, there is no clear opinion in Changzhou.
However, the personal loan rate of Changzhou provident fund has been very high, which has remained above 90% for eight consecutive years and is still above 95% at present, ranking first in the country.
Focus 3: The loan deposit requirement is shortened to 6 months.
Changzhou has long implemented two policies: loans for more than six months, deposits in different places, and local continuous calculation.
In order to let more people use the provident fund to buy houses, the New Deal proposes that employees can apply for personal housing provident fund loans if they pay the housing provident fund in full for more than 6 months (inclusive), compared with 12 months before. If the provident fund is deposited in different places and the deposit is less than 6 months, the deposit time can be calculated according to the deposit certificate issued by the housing provident fund management institution of the original deposit place.
Situation in Changzhou: Changzhou has implemented two policies for a long time, that is, loans can be paid for more than six months, and the deposit period can be continuously calculated after being transferred from different places to the local area.
Not only that, Changzhou has also implemented measures such as increasing the loan amount and strengthening the issuance of portfolio loans mentioned in the document. At present, the maximum loan amount of Changzhou Provident Fund is 500,000 yuan. If you choose an interest-bearing loan from a Volkswagen dealer, the maximum loan amount can reach 600,000 yuan.
Focus four: the cancellation of intermediate fees when provident fund loans are made.
The most important cost involved in Changzhou is the guarantee fee charged for permanent housing replacement, which has been actively communicated at present.
The New Deal requires the cancellation of insurance, notarization, new house evaluation and compulsory agency guarantee when housing provident fund loans are made.
Situation in Changzhou: Changzhou Personal Provident Fund Loan Association involves two expenses: guarantee service fee and evaluation fee. According to the person in charge of the city provident fund center, the most important intermediate cost at present is the guarantee fee charged by the regular housing replacement guarantee company in the city.
In 2000, provident fund loans were introduced into house purchase guarantee. At present, the guarantee fee in Changzhou is calculated according to the loan amount. Specifically, if the loan period of housing provident fund is within one to five years (including five years), the guarantee rate is 0.5% of the loan amount; Housing provident fund loans within six to fifteen years (including fifteen years), the guarantee rate is 0.55%; If the loan period of housing provident fund is within 16 to 30 years (including 30 years), the guarantee rate is 0.6%. Suppose employees apply for a provident fund loan of 500,000 yuan for 20 years, and only the guarantee fee will be 3,000 yuan. The Provident Fund Center immediately discussed with the relevant institutions and departments undertaking loan risk guarantee and implemented the work plan required by the document.
Another cancelled project is the new house evaluation fee. Changzhou citizens applying for provident fund loans to buy new houses do not need to be evaluated. When applying for a second-hand housing loan, not all of them need to be evaluated. Only when the loan amount is more than 60% (excluding) of the deed tax payment price, the loan applicant is required to issue a mortgage real estate appraisal report provided by a housing appraisal agency with corresponding qualifications, and these appraisal agencies will charge corresponding appraisal fees.
Once the fees are cancelled, it will not only reduce the cost of buying a house, but also simplify many procedures and links, saving time for the citizens.
(The above answers were published on 20 15- 12-05. Please refer to the actual situation for the current purchase policy. )
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