Interpretation of new provident fund loans, new residential ceiling can only be "public loan".
Qilu Evening Newspaper
recently, the provincial capital of Ji'nan, Mr. Sun is very depressed, signed the commercial housing advance agreement soon, received the developer notice : we can't borrow money from the provident fund. The sudden change of developer put him in a dilemma: either to check out or to make loans. Is it reasonable for developers? Has the fund loan policy changed? Recently, the reporter made an in-depth investigation.
personal experience in the end of last year when the deposit can be made public loan, after three months said that no
recently, Mr. Sun told reporters about the depression of buying a house. Mr. Sun now lives in Shili River Road, taking into account the children's school. In September last year, he planned to buy a school district room. After some investigation, last December 1st in the middle of Olympic road near a suite, the house area of 124.6 square meters, the total housing more than 1 million 280 thousand yuan. Then, he signed a "pre-sale agreement with commercial housing" with developers. According to the agreement, Mr. Sun paid 300 thousand deposit before December 4, 2013.
taking into account the two suites Shoufu to pay 60%, in order to alleviate the pressure on buying houses, Mr. Sun decided to use the provident fund loans of 500 thousand yuan. When he paid the money, he waited for the remaining purchase procedures. In March 4th of this year, Mr. Sun suddenly received a telephone call from the Advisor: the adjustment of the provident fund policy, the house without the cap can not be used for the provident fund loan. .quot; they asked me to go to the sales center for commercial loans in March 15th. If they were not willing to take business loans, the developers could return the deposit, but they did not bear the liability for breach of contract. .quot; Mr. Sun is very unreasonable, when the payment of the deposit, the advisers promised the provident fund loans, why does it change?
Mr. Sun has calculated an account, and if you take business loans, he will pay more than more than 600 yuan a month. According to the 30 year loan period, it will be more than 30 yuan in the 30 years, and the repayment pressure will be great. .quot; who will compensate for these losses?.quot;
developers' policy adjustment is the force majeure, only commercial loans or refunds
signed agreement, why the three months, the provident fund will suddenly be unable to loan?
7 morning, the reporter came to the project sales center. For owners of the problem, sales office staff said, this is a policy adjustment, is a force majeure. .quot; it was promised to provident fund loans a few years ago, but in 2014 the new policy was implemented, and we could only deal with the ceiling buildings. .quot, a site advisor, said that the current solution, in addition to refunds and commercial loans, can also negotiate the replacement of a house with the top of the house, but it is less likely. .quot; if the owners insist on using the provident fund, they can wait for the roof of the house, but need to make up the market price difference after the capping. .quot; the other staff member said.
accumulation fund management center, October 1st policy formally implemented the policy of
accumulation fund loan policy adjustment? How to adjust?
7 days, Ji'nan housing provident fund management center of the relevant person in charge, according to the Chinese people's Bank on Further Strengthening the real estate letter The notifications of loan business management (silver hair [2003] No. 121) clearly stipulate that commercial banks can only grant individual housing loans to individuals who have the main structure to cover the house. This is based on previous regulations and has made stricter specifications. .quot; before Ji'nan's loan policy for new commercial housing was not strictly implemented according to the requirements of the state. The loan policy is relatively loose. .quot, the person in charge said that the new high-rise buildings could be loans only if the ceiling was above 2/3. But in October last year, Ji'nan put forward strict requirements for new high-rise buildings: it is necessary to cap the ceiling before going to provident fund loans.