The notice made it clear that the employees' families have no housing, no housing loan records or commercial housing loan records, and the corresponding loans have been settled. In order to improve living conditions, apply for housing provident fund loans to buy ordinary self-occupied housing, and implement the first suite policy, with the down payment ratio of loans not less than 30%.
If an employee owns 1 house in the name of his family, or has no house but has a record of housing provident fund loan and the corresponding loan has been settled, and applies for housing provident fund loan to buy ordinary self-occupied house again, the second suite policy shall be implemented, and the down payment ratio of the loan shall not be less than 40%.
Employees who have two or more houses or outstanding housing provident fund loans under their family names may not apply for housing provident fund loans.
The scope of adjustment 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.
This document shall take effect on 28 10, 2022. If the online signing date of the contract is on or after June, 2022165438+1October1day, it shall be implemented in accordance with the provisions of this document. The online signing date of the commercial housing sales contract shall prevail for new commercial housing, and the online signing date of the housing transfer contract shall prevail for second-hand housing. If the contract was signed before June165438+1October 1 1 in 2022, the original policy shall prevail. (Zhongxin Jingwei APP)