Workers' families (including borrowers, spouses and minor children) borrow money to buy new self-occupied housing, which belongs to the first housing provident fund loan, and the minimum down payment ratio is adjusted from 30% to 25%.
Previously, in order to give full play to the role of housing provident fund in supporting housing security and effectively reduce the pressure on home buyers to pay down payment, in August this year, Hainan Provincial Housing Provident Fund Administration and Hainan Provincial Department of Housing and Urban-Rural Development issued a document stating that housing provident fund can be withdrawn to pay down payment.
The purchaser and his spouse have no outstanding housing provident fund loans. After signing the contract and putting it on record, you can apply to the housing provident fund management institution of Hainan Province to withdraw the housing provident fund of the purchaser and his spouse to pay the down payment for the purchase.
The provident fund institution shall review the relevant information of the purchaser, and if it meets the extraction conditions, it shall extract the down payment agreed in the contract from the housing provident fund deposit balance of the purchaser and his spouse, and pay it directly to the development enterprise (if the house is pre-sold, it shall be paid to the pre-sale fund supervision account of the development enterprise).
Matters needing attention in buying a house in Hainan
1. Real estate policy: It is very important to understand Hainan's real estate policy, including the restrictions on purchasing houses, the qualification requirements for purchasing houses, and the property rights regulations. Be sure to understand the relevant policies before buying a house and avoid buying properties that do not meet the requirements.
2. Project selection: Choose a real estate project with good reputation and developer background. You can consult relevant real estate information and evaluation to understand the credit status, project quality and appreciation potential of developers.
3. Inspection of real estate license: When purchasing real estate, it is necessary to verify whether the seller has a legal real estate license and whether the information on the real estate license is consistent with the actual situation. You can consult relevant departments for confirmation.
4. Convenience of transportation: consider the convenience of transportation where the property is located, especially the distance from main roads, urban areas, commercial centers, medical institutions and schools. This is very important for life and daily travel.
5. Surrounding facilities: When buying a house, you should consider whether the surrounding education, medical care and living facilities are perfect, such as schools, hospitals, supermarkets and shopping centers. The perfection of surrounding facilities will affect the convenience of living and the quality of life.
6. Value investment: buying a house is not only a living demand, but also a long-term investment. Consider the appreciation potential, future development planning and industrial layout of the real estate to ensure that the purchased real estate can have good investment value.
Hainan Housing Provident Fund-Notice on Adjusting the Minimum Down Payment Ratio of the First Housing Provident Fund Personal Housing Loan