65438124 October, this newspaper learned from official website, Xiaogan Housing Provident Fund Center, Hubei Province that the adjusted housing provident fund use policy was implemented on124 October.
According to the Notice on Adjusting the Use Policy of Housing Provident Fund issued by Xiaogan Housing Provident Fund Management Committee on June 5438+00 19, Xiaogan increased the loan amount, reduced the down payment ratio, and expanded the scope of business to public.
Specifically, in terms of loan amount, "the maximum loan amount can reach 500,000 yuan if the borrower applies for using provident fund loans to buy self-occupied houses in Xiaogan for the first time, and 400,000 yuan in other cases" is adjusted to "the maximum loan amount can reach 600,000 yuan if the borrower applies for using provident fund loans to buy self-occupied houses in Xiaogan for the first time, and 500,000 yuan in other cases".
In terms of loan ratio, Xiaogan City adjusted "the minimum down payment ratio of the purchased house belonging to the first self-occupied house is 30% of the total price of the purchased house and the loanable amount is 70% of the total price of the purchased house" to "the purchased house belongs to the only self-occupied house, and the minimum down payment ratio of the first loan is 20% of the total price of the purchased house and the loanable amount is 80% of the total price of the purchased house".
"If the purchased house belongs to the second self-occupied house or applies for housing provident fund loan for the second time, the minimum down payment ratio of the loan is 40% and the loanable amount is 60% of the total price of the purchased house" is adjusted to "If the purchased house belongs to the second self-occupied house or applies for housing provident fund loan for the second time, the minimum down payment ratio of the loan is 30% and the loanable amount is 70% of the total price of the purchased house".
As for the target of corporate commercial loans, Xiaogan Municipal Public Management Committee stated that the target of corporate commercial loans is limited to the main borrower of the original commercial loans in Chapter II of the Interim Measures for the Administration of Converting Commercial Personal Housing Mortgage Loans to Housing Provident Fund Loans in Xiaogan City (Xiaogan Municipal Management Committee Zi [2022] No.5). If the main borrower of the original commercial loan has not paid the housing provident fund and the spouse has paid the housing provident fund, it is impossible to apply for a commercial loan. As a result, in the actual process of handling, the main borrowers of many employees' families did not pay the housing provident fund, and their spouses paid the housing provident fund, but did not handle the business of transferring business to public loans.
This time, the city's personal loan interest rate continued to run at a low level. At the same time, affected by the epidemic, the current downward pressure on the economy has increased, and the housing consumption market has cooled significantly. In order to improve the use efficiency of housing provident fund, the repayment pressure of some families with commercial loans has been alleviated. Expand "the original commercial loan principal borrower must be himself" to "the original commercial loan principal borrower is himself or his spouse", and it can be handled if it meets the loan conditions.
The New Deal is adjusted to "Where a housing provident fund account has been established in the provident fund center for six months or more, and the housing provident fund has been paid in full for six months or more every month, and the deposit has stopped for no more than six months before the employee applies for a loan, and I or my spouse has applied for a personal housing commercial loan in Xiaogan City, you can deposit the employee's own name to apply for a business-to-public loan".
In terms of extraction policy, Xiaogan City's "rental housing, the annual extraction amount shall not exceed the actually paid rent, and the maximum amount shall not exceed1.20 thousand yuan" is adjusted to "rental housing, and the annual extraction amount shall not exceed the actually paid rent, and the maximum amount shall not exceed1.50 thousand yuan".
On March 15, seven departments, including Xiaogan Housing and Urban-Rural Development Bureau, Municipal Provident Fund Center and Municipal Finance Bureau, jointly issued the Notice on Promoting the Stable and Healthy Development of the Real Estate Market in Xiaogan Central City, which involved four policies in the adjustment of provident fund loan policies: canceling the household registration restrictions of loan targets, limiting the proportion and amount of loans for the first and second suites, and limiting the early repayment of provident fund loans.
The "Notice" clarifies that on March 5, 2022 and March 4, 2023 14, the purchase of new commercial housing with an area not exceeding 144 square meters will be subsidized by the deed tax of 100%; The loan amount for the first set of self-occupied housing is 70% of the total price of the purchased housing, and the maximum loan amount for the first application for filial piety is 500,000 yuan; For the second set of owner-occupied housing or the second application for housing provident fund loans, the loan amount can be 60% of the total price of the purchased housing.
In addition, employees who meet the conditions of provident fund loans can apply for housing provident fund loans by canceling the household registration restrictions on provident fund loans. The down payment ratio for the first suite is adjusted to 30%, and the second suite is adjusted to 40%. Those who purchase new commercial housing will reach the delivery date agreed in the commercial housing filing contract and enjoy the policy of equal and compulsory education for citizens.
Strictly implement the pre-sale price filing system for new commercial housing, guide development enterprises to reasonably determine the average selling price, implement the price publicity and "one-price settlement" system, and stabilize the price of commercial housing.
According to the real estate market operation in Xiaogan City released by Xiaogan City Housing and Urban-Rural Development Bureau in June 5438+1October 65438+July 2022, 6,048 sets of new commercial residential buildings in Xiaogan were approved for pre-sale, with an approved pre-sale area of 830,800 square meters, down 23.68% from the previous month and 73. 1 1 year-on-year. Among them, 562 1 set of newly-built commercial housing was approved for pre-sale, and the approved pre-sale area was 65 1.3 million square meters, a decrease of 1.95% from the previous month and a decrease of 61.9% from the same period last year. 35 cases of land supply for real estate development, with a total area of 1, 2 1.94 hectares, up10.84% year-on-year; Among them, the supply of residential land is 2 1 plot, with a total area of 66.66 hectares, down 15.29% year-on-year.
Xiaogan sold 7 158 sets of new commercial housing, with a sales area of 8710.5 million square meters, down 65.60% from the previous month and 76.65% from the same period last year. Among them, 6279 sets of new commercial housing were sold, with a sales area of 736,600 square meters, down 65.97% from the previous month and 79.69% from the same period last year. The transaction volume of stock houses was 1396 sets, and the transaction area was 17.0 1 10,000 square meters, down 76.55% from the previous month and 78.66% from the same period last year. Among them, the residential transaction volume was 1.366 sets, and the transaction area was 1.475 million square meters, down 76.55% from the previous month and 78.62% from the same period last year.
By the end of September, 2022, 2076 1 set of unsold commercial housing with an area of 2,359,300 square meters has been approved for pre-sale.
Wuhan provident fund loan amount
Maximum amount of housing provident fund loan in Wuhan
1. If the paid employee's family uses the housing provident fund loan to purchase the first set of ordinary self-occupied housing (including business transfer), the maximum loan amount is 900,000 yuan;
2. Purchase a second set of improved self-occupied housing with a maximum loan of 700,000 yuan.
Loan ratio
1. The maximum loan ratio for purchasing a first-hand house is: if the construction area is below 144 square meters (inclusive), the maximum loan ratio shall not exceed 80% of the total price of the house purchased; If the construction area is above 144 square meters, the maximum proportion shall not exceed 70% of the total price of the purchased house.
2. The maximum loan ratio for purchasing the first second-hand house is: the completion time of the purchased house is within 10 years (inclusive), the maximum loan ratio is below 144 square meters (inclusive), the maximum loan ratio does not exceed 80% of the total price of the purchased house, and the maximum loan ratio does not exceed 144 square meters. The completion time of the purchased house is within 1 1-20 years (including 20 years), and the maximum loan ratio does not exceed 60% of the total house price; The completion time of the purchased house is within 2 1-30 years (including 30 years), and the maximum loan ratio does not exceed 50% of the total house price. The determination of the total housing price shall be based on the housing appraisal price, transaction price and the lowest price in taxable value.
3. The maximum loan ratio of the second-home provident fund loan is implemented with reference to the first-home loan ratio;
4. The loan amount transferred to the provident fund shall not be higher than the highest proportion of the above-mentioned first-hand housing and second-hand housing loans.
Can Wuhan provident fund borrow tens of thousands at most?
The maximum loan amount of Wuhan Provident Fund is determined according to the following circumstances:
1, the maximum amount of the first housing provident fund loan is 700,000 yuan;
2. The maximum amount of the second housing provident fund loan shall not exceed 500,000 yuan.
The specific loan amount will be affected by factors such as the balance of deposits, the length of deposits, the amount of monthly deposits, and the deposits of one or both parties. The parties can directly consult the local housing provident fund management center.
Regulations on the administration of housing provident fund
Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.
The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.
The risk of housing provident fund loans shall be borne by the housing provident fund management center.
This is the end of the introduction of Hubei provident fund loan quota and secondary provident fund loan quota. I wonder if you found the information you need from it?